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Northpointe Bancshares (NPB) Financials

Northpointe Bancshares logo
$18.37 +0.23 (+1.29%)
Closing price 03:59 PM Eastern
Extended Trading
$18.40 +0.02 (+0.11%)
As of 05:21 PM Eastern
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Annual Income Statements for Northpointe Bancshares

Annual Income Statements for Northpointe Bancshares

This table shows Northpointe Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 24 47 72
Consolidated Net Income / (Loss)		 34 55 83
Net Income / (Loss) Continuing Operations		 34 55 83
Total Pre-Tax Income 		45 73 110
Total Revenue		 196 187 242
Net Interest Income / (Expense)		 101 114 151
Total Interest Income		 267 318 380
Loans and Leases Interest Income		 237 292 358
Investment Securities Interest Income		 0.92 0.64 0.46
Deposits and Money Market Investments Interest Income		 - 25 22
Total Interest Expense		 166 203 229
Deposits Interest Expense		 124 151 177
Long-Term Debt Interest Expense		 42 52 53
Total Non-Interest Income		 95 73 91
Other Service Charges		 17 16 14
Net Realized & Unrealized Capital Gains on Investments		 78 57 77
Provision for Credit Losses		 -1.49 -0.33 2.10
Total Non-Interest Expense		 153 115 129
Salaries and Employee Benefits		 104 78 90
Net Occupancy & Equipment Expense		 18 13 12
Other Operating Expenses		 31 23 27
Income Tax Expense		 11 18 27
Preferred Stock Dividends Declared		 9.65 8.00 12
Basic Earnings per Share		 $0.94 $1.83 $2.14
Weighted Average Basic Shares Outstanding		 - 34.30M 34.49M
Diluted Earnings per Share		 $0.93 $1.83 $2.11
Weighted Average Diluted Shares Outstanding		 - 34.30M 34.49M
Weighted Average Basic & Diluted Shares Outstanding		 - 34.30M 34.49M
Cash Dividends to Common per Share		 $0.10 $0.10 $0.10

Quarterly Income Statements for Northpointe Bancshares

This table shows Northpointe Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 9.84 11 17 8.84 15 18 20 18 22
Consolidated Net Income / (Loss)		 12 13 19 11 17 20 22 24 22
Net Income / (Loss) Continuing Operations		 12 13 19 11 17 20 22 24 22
Total Pre-Tax Income 		16 17 25 15 23 27 29 32 29
Total Revenue		 44 46 54 44 53 59 64 65 63
Net Interest Income / (Expense)		 27 29 28 30 30 37 40 43 41
Total Interest Income		 73 79 83 83 79 93 102 106 102
Loans and Leases Interest Income		 65 72 77 78 74 88 96 102 97
Investment Securities Interest Income		 1.67 0.16 0.16 -1.34 0.15 0.16 0.09 -1.56 0.06
Deposits and Money Market Investments Interest Income		 - 6.40 6.52 - 5.30 5.12 6.10 - 4.79
Total Interest Expense		 45 50 55 53 49 57 62 63 60
Deposits Interest Expense		 34 38 41 39 36 44 48 49 44
Long-Term Debt Interest Expense		 12 13 14 14 12 13 13 14 16
Total Non-Interest Income		 17 17 26 14 23 22 24 22 22
Other Service Charges		 5.30 3.19 1.17 6.58 4.29 3.09 3.08 3.33 5.60
Net Realized & Unrealized Capital Gains on Investments		 11 14 25 7.03 19 19 21 18 17
Provision for Credit Losses		 -0.36 0.30 0.18 -0.45 1.30 0.58 0.83 -0.61 -0.45
Total Non-Interest Expense		 28 28 29 29 29 32 34 34 34
Salaries and Employee Benefits		 18 20 21 19 20 22 24 23 24
Net Occupancy & Equipment Expense		 3.79 3.49 3.22 2.91 3.08 3.07 3.00 3.02 3.17
Other Operating Expenses		 6.17 4.30 5.37 7.55 5.85 6.42 7.02 7.60 6.91
Income Tax Expense		 3.96 4.18 5.91 3.66 5.35 6.31 7.00 8.33 7.27
Preferred Stock Dividends Declared		 2.41 1.84 1.60 2.14 2.21 2.30 2.04 5.25 0.45
Basic Earnings per Share		 $0.38 $0.44 $0.67 $0.34 $0.50 $0.52 $0.58 $0.54 $0.63
Weighted Average Basic Shares Outstanding		 - - - 34.30M 34.36M 34.36M 34.36M 34.49M 34.58M
Diluted Earnings per Share		 $0.38 $0.44 $0.66 $0.35 $0.49 $0.51 $0.57 $0.54 $0.62
Weighted Average Diluted Shares Outstanding		 - - - 34.30M 34.36M 34.36M 34.36M 34.49M 34.58M
Weighted Average Basic & Diluted Shares Outstanding		 - - - 34.30M 34.36M 34.36M 34.36M 34.49M 34.58M
Cash Dividends to Common per Share		 $0.03 $0.03 $0.03 - $0.03 $0.03 $0.03 - $0.03

Annual Cash Flow Statements for Northpointe Bancshares

This table details how cash moves in and out of Northpointe Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 78 24 120
Net Cash From Operating Activities		 504 20 44
Net Cash From Continuing Operating Activities		 504 20 44
Net Income / (Loss) Continuing Operations		 34 55 83
Consolidated Net Income / (Loss)		 34 55 83
Provision For Loan Losses		 -1.49 -0.33 2.10
Depreciation Expense		 3.00 2.83 2.49
Amortization Expense		 1.39 1.43 0.88
Non-Cash Adjustments to Reconcile Net Income		 465 -17 -71
Changes in Operating Assets and Liabilities, net		 2.29 -22 26
Net Cash From Investing Activities		 -751 -458 -1,630
Net Cash From Continuing Investing Activities		 -751 -458 -1,630
Purchase of Property, Leasehold Improvements and Equipment		 -2.81 -1.05 -2.77
Purchase of Investment Securities		 -757 -553 -1,636
Sale and/or Maturity of Investments		 11 92 9.90
Other Investing Activities, net		 -1.57 4.12 -1.10
Net Cash From Financing Activities		 324 463 1,706
Net Cash From Continuing Financing Activities		 324 463 1,706
Net Change in Deposits		 4.26 497 1,447
Issuance of Debt		 350 379 1,282
Issuance of Common Equity		 - 0.00 117
Repayment of Debt		 -17 -390 -1,047
Repurchase of Preferred Equity		 0.00 -12 -82
Repurchase of Common Equity		 -0.62 -0.77 0.00
Payment of Dividends		 -12 -12 -11
Other Financing Activities, Net		 0.00 0.16 0.04
Cash Interest Paid		 164 202 221
Cash Income Taxes Paid		 3.28 43 29

Quarterly Cash Flow Statements for Northpointe Bancshares

This table details how cash moves in and out of Northpointe Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -107 109 87 -64 -55 94 3.50 77 -8.84
Net Cash From Operating Activities		 -0.94 -34 45 9.56 54 -72 90 -28 38
Net Cash From Continuing Operating Activities		 -0.94 -34 45 9.56 54 -72 90 -28 38
Net Income / (Loss) Continuing Operations		 12 13 19 11 17 20 22 24 22
Consolidated Net Income / (Loss)		 12 13 19 11 17 20 22 24 22
Provision For Loan Losses		 -0.36 0.30 0.18 -0.45 1.30 0.58 0.83 -0.61 -0.45
Depreciation Expense		 0.74 0.72 0.70 0.68 0.66 0.61 0.62 0.60 0.59
Amortization Expense		 0.27 0.27 0.61 0.28 0.37 0.17 0.17 0.17 0.23
Non-Cash Adjustments to Reconcile Net Income		 -22 -45 31 19 3.21 -88 63 -49 2.35
Changes in Operating Assets and Liabilities, net		 8.62 -2.97 -6.23 -21 32 -6.14 3.38 -2.80 13
Net Cash From Investing Activities		 -189 -185 -172 87 -716 -386 -474 -55 -389
Net Cash From Continuing Investing Activities		 -189 -185 -172 87 -716 -386 -474 -55 -389
Purchase of Property, Leasehold Improvements and Equipment		 -0.56 0.03 -0.44 -0.09 -0.32 -1.14 -0.79 -0.51 -0.42
Purchase of Investment Securities		 -196 -273 -172 87 -717 -386 -478 -54 -389
Sale and/or Maturity of Investments		 8.12 88 0.95 -5.49 2.70 1.68 5.09 0.43 0.89
Other Investing Activities, net		 -0.21 -0.58 -0.28 5.18 -0.40 -0.32 -0.23 -0.14 -0.32
Net Cash From Financing Activities		 82 327 214 -161 606 552 387 160 342
Net Cash From Continuing Financing Activities		 82 327 214 -161 606 552 387 160 342
Net Change in Deposits		 -11 382 235 -109 400 651 296 100 132
Issuance of Debt		 50 230 24 75 215 273 485 445 455
Issuance of Common Equity		 0.00 - - - 114 0.42 - 1.72 0.00
Repayment of Debt		 46 -278 -35 -123 -115 -369 -391 -307 -243
Repurchase of Preferred Equity		 0.00 -4.84 -6.73 - -4.84 - -0.06 -77 0.00
Payment of Dividends		 -3.06 -2.48 -3.26 -2.79 -2.85 -3.16 -2.84 -2.59 -1.31
Other Financing Activities, Net		 0.00 - - 0.16 0.01 - - 0.02 0.00
Cash Interest Paid		 44 51 54 53 42 52 61 66 59

Annual Balance Sheets for Northpointe Bancshares

This table presents Northpointe Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Total Assets		 4,758 5,224 7,023
Cash and Due from Banks		 352 376 496
Trading Account Securities		 367 226 314
Loans and Leases, Net of Allowance		 3,769 4,417 6,011
Loans and Leases		 3,781 4,428 6,022
Allowance for Loan and Lease Losses		 12 11 10
Premises and Equipment, Net		 29 27 28
Intangible Assets		 4.54 2.10 1.51
Other Assets		 235 175 171
Total Liabilities & Shareholders' Equity		 4,758 5,224 7,023
Total Liabilities		 4,328 4,762 6,454
Non-Interest Bearing Deposits		 253 209 276
Interest Bearing Deposits		 2,672 3,214 4,594
Long-Term Debt		 1,314 1,303 1,536
Other Long-Term Liabilities		 88 36 48
Total Equity & Noncontrolling Interests		 431 462 569
Total Preferred & Common Equity		 431 462 569
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 431 462 569
Common Stock		 180 167 205
Retained Earnings		 251 296 364
Accumulated Other Comprehensive Income / (Loss)		 -0.80 -0.32 -0.20

Quarterly Balance Sheets for Northpointe Bancshares

This table presents Northpointe Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 5,860 6,431 6,840 7,396
Cash and Due from Banks		 321 416 419 488
Trading Account Securities		 216 340 265 302
Loans and Leases, Net of Allowance		 5,135 5,484 5,955 6,401
Loans and Leases		 5,147 5,497 5,967 6,411
Allowance for Loan and Lease Losses		 12 12 12 9.70
Premises and Equipment, Net		 27 27 28 27
Intangible Assets		 1.95 1.81 1.66 1.37
Other Assets		 157 160 170 175
Total Liabilities & Shareholders' Equity		 5,860 6,431 6,840 7,396
Total Liabilities		 5,273 5,827 6,216 6,806
Non-Interest Bearing Deposits		 233 201 236 277
Interest Bearing Deposits		 3,590 4,273 4,534 4,724
Long-Term Debt		 1,400 1,304 1,398 1,748
Other Long-Term Liabilities		 50 48 48 56
Total Equity & Noncontrolling Interests		 587 604 624 590
Total Preferred & Common Equity		 587 604 624 590
Preferred Stock		 0.00 0.00 0.00 0.00
Total Common Equity		 587 604 624 590
Common Stock		 276 277 277 205
Retained Earnings		 310 328 347 385
Accumulated Other Comprehensive Income / (Loss)		 -0.31 -0.16 -0.19 -0.09

Annual Metrics And Ratios for Northpointe Bancshares

This table displays calculated financial ratios and metrics derived from Northpointe Bancshares' official financial filings.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - 34,364,659.00
DEI Adjusted Shares Outstanding		 - - 34,364,659.00
DEI Earnings Per Adjusted Shares Outstanding		 - - 2.43
Growth Metrics		 - - -
Revenue Growth		 0.00% -4.66% 29.17%
EBITDA Growth		 0.00% 57.17% 47.48%
EBIT Growth		 0.00% 63.08% 51.48%
NOPAT Growth		 0.00% 63.38% 51.22%
Net Income Growth		 0.00% 63.38% 51.22%
EPS Growth		 0.00% 96.77% 15.30%
Operating Cash Flow Growth		 0.00% -96.07% 123.59%
Free Cash Flow Firm Growth		 0.00% 0.00% -834.47%
Invested Capital Growth		 0.00% 1.16% 19.28%
Revenue Q/Q Growth		 0.00% 0.00% 9.77%
EBITDA Q/Q Growth		 0.00% 0.00% 17.73%
EBIT Q/Q Growth		 0.00% 0.00% 18.62%
NOPAT Q/Q Growth		 0.00% 0.00% 17.89%
Net Income Q/Q Growth		 0.00% 0.00% 17.89%
EPS Q/Q Growth		 0.00% 0.00% 9.90%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% -46.06%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 0.00% 0.00% 4.14%
Profitability Metrics		 - - -
EBITDA Margin		 25.00% 41.22% 47.06%
EBIT Margin		 22.77% 38.94% 45.67%
Profit (Net Income) Margin		 17.20% 29.48% 34.51%
Tax Burden Percent		 75.55% 75.69% 75.56%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 24.45% 24.31% 24.44%
Return on Invested Capital (ROIC)		 1.93% 3.14% 4.31%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.93% 3.14% 4.31%
Return on Net Nonoperating Assets (RNNOA)		 5.91% 9.21% 11.86%
Return on Equity (ROE)		 7.84% 12.35% 16.17%
Cash Return on Invested Capital (CROIC)		 0.00% 1.99% -13.27%
Operating Return on Assets (OROA)		 0.94% 1.46% 1.80%
Return on Assets (ROA)		 0.71% 1.11% 1.36%
Return on Common Equity (ROCE)		 7.84% 12.35% 16.17%
Return on Equity Simple (ROE_SIMPLE)		 7.84% 11.93% 14.66%
Net Operating Profit after Tax (NOPAT)		 34 55 83
NOPAT Margin		 17.20% 29.48% 34.51%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 62.32% 48.74% 42.34%
Operating Expenses to Revenue		 77.99% 61.23% 53.46%
Earnings before Interest and Taxes (EBIT)		 45 73 110
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 49 77 114
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.35 0.33 1.01
Price to Tangible Book Value (P/TBV)		 0.35 0.33 1.02
Price to Revenue (P/Rev)		 0.77 0.81 2.39
Price to Earnings (P/E)		 6.27 3.20 8.06
Dividend Yield		 0.00% 0.00% 0.45%
Earnings Yield		 15.96% 31.21% 12.41%
Enterprise Value to Invested Capital (EV/IC)		 0.64 0.61 0.77
Enterprise Value to Revenue (EV/Rev)		 5.67 5.76 6.69
Enterprise Value to EBITDA (EV/EBITDA)		 22.69 13.97 14.22
Enterprise Value to EBIT (EV/EBIT)		 24.92 14.79 14.65
Enterprise Value to NOPAT (EV/NOPAT)		 32.98 19.53 19.39
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.21 54.39 36.51
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 30.81 0.00
Leverage & Solvency		 - - -
Debt to Equity		 3.05 2.82 2.70
Long-Term Debt to Equity		 3.05 2.82 2.70
Financial Leverage		 3.05 2.93 2.75
Leverage Ratio		 11.05 11.18 11.87
Compound Leverage Factor		 11.05 11.18 11.87
Debt to Total Capital		 75.32% 73.80% 72.97%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 75.32% 73.80% 72.97%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 24.68% 26.20% 27.03%
Debt to EBITDA		 26.78 16.89 13.51
Net Debt to EBITDA		 19.61 12.01 9.14
Long-Term Debt to EBITDA		 26.78 16.89 13.51
Debt to NOPAT		 38.93 23.62 18.42
Net Debt to NOPAT		 28.51 16.79 12.47
Long-Term Debt to NOPAT		 38.93 23.62 18.42
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 0.00 35 -257
Operating Cash Flow to CapEx		 17,948.31% 1,882.98% 1,601.84%
Free Cash Flow to Firm to Interest Expense		 0.00 0.17 -1.12
Operating Cash Flow to Interest Expense		 3.03 0.10 0.19
Operating Cash Flow Less CapEx to Interest Expense		 3.02 0.09 0.18
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 6.70 6.61 8.81
Capital & Investment Metrics		 - - -
Invested Capital		 1,745 1,765 2,105
Invested Capital Turnover		 0.11 0.11 0.12
Increase / (Decrease) in Invested Capital		 0.00 20 340
Enterprise Value (EV)		 1,114 1,077 1,617
Market Capitalization		 151 151 577
Book Value per Share		 $41.33 $13.48 $16.56
Tangible Book Value per Share		 $40.89 $13.42 $16.51
Total Capital		 1,745 1,765 2,105
Total Debt		 1,314 1,303 1,536
Total Long-Term Debt		 1,314 1,303 1,536
Net Debt		 962 926 1,040
Capital Expenditures (CapEx)		 2.81 1.05 2.77
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,314 1,303 1,536
Total Depreciation and Amortization (D&A)		 4.39 4.26 3.37
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $0.00 $1.83 $2.14
Adjusted Weighted Average Basic Shares Outstanding		 0.00 34.30M 34.49M
Adjusted Diluted Earnings per Share		 $0.00 $1.83 $2.11
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 34.30M 34.49M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 34.30M 34.49M
Normalized Net Operating Profit after Tax (NOPAT)		 34 55 83
Normalized NOPAT Margin		 17.20% 29.48% 34.51%
Pre Tax Income Margin		 22.77% 38.94% 45.67%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.27 0.36 0.48
NOPAT to Interest Expense		 0.20 0.27 0.36
EBIT Less CapEx to Interest Expense		 0.25 0.35 0.47
NOPAT Less CapEx to Interest Expense		 0.19 0.27 0.35
Payout Ratios		 - - -
Dividend Payout Ratio		 36.20% 20.99% 13.71%
Augmented Payout Ratio		 38.03% 22.39% 13.71%

Quarterly Metrics And Ratios for Northpointe Bancshares

This table displays calculated financial ratios and metrics derived from Northpointe Bancshares' official financial filings.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 0.00 0.00 0.00 0.00 34,304,560.00 34,364,659.00 34,364,659.00 34,364,659.00 34,494,116.00
DEI Adjusted Shares Outstanding		 0.00 0.00 0.00 0.00 34,304,560.00 34,364,659.00 34,364,659.00 34,364,659.00 34,494,116.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 0.00 0.00 0.50 0.59 0.65 0.69 0.64
Growth Metrics		 - - - - - - - - -
Revenue Growth		 0.00% 0.00% 0.00% 0.00% 21.49% 29.57% 18.83% 49.29% 19.07%
EBITDA Growth		 0.00% 0.00% 0.00% 0.00% 37.19% 49.17% 15.59% 109.82% 28.01%
EBIT Growth		 0.00% 0.00% 0.00% 0.00% 39.35% 53.14% 18.53% 118.32% 30.24%
NOPAT Growth		 0.00% 0.00% 0.00% 0.00% 40.78% 53.88% 18.57% 115.21% 28.45%
Net Income Growth		 0.00% 0.00% 0.00% 0.00% 40.78% 53.88% 18.57% 115.21% 28.45%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 28.95% 15.91% -13.64% 54.29% 26.53%
Operating Cash Flow Growth		 0.00% 0.00% 0.00% 0.00% 5,895.95% -113.41% 100.65% -395.65% -30.74%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 83.28%
Invested Capital Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 19.28% 17.69%
Revenue Q/Q Growth		 0.00% 3.79% 19.03% -19.44% 22.07% 10.69% 9.16% 1.21% -2.64%
EBITDA Q/Q Growth		 0.00% 6.79% 40.90% -39.80% 51.45% 16.11% 9.19% 9.28% -7.60%
EBIT Q/Q Growth		 0.00% 7.33% 41.42% -40.50% 54.30% 17.96% 9.46% 9.59% -7.95%
NOPAT Q/Q Growth		 0.00% 7.92% 41.44% -41.25% 56.98% 17.96% 8.99% 6.64% -6.31%
Net Income Q/Q Growth		 0.00% 7.92% 41.44% -41.25% 56.98% 17.96% 8.99% 6.64% -6.31%
EPS Q/Q Growth		 0.00% 15.79% 50.00% -46.97% 40.00% 4.08% 11.76% -5.26% 14.81%
Operating Cash Flow Q/Q Growth		 0.00% -3,508.09% 233.03% -78.79% 469.35% -232.85% 225.07% -131.25% 233.37%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 4.14% -5.91% 84.16% -4.02%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 12.56% -3.95% 5.94% 4.14% 11.06%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 39.29% 40.42% 47.85% 35.76% 44.36% 46.53% 46.55% 50.26% 47.70%
EBIT Margin		 36.99% 38.25% 45.44% 33.56% 42.42% 45.21% 45.33% 49.08% 46.40%
Profit (Net Income) Margin		 27.94% 29.06% 34.53% 25.18% 32.38% 34.51% 34.45% 36.30% 34.93%
Tax Burden Percent		 75.55% 75.97% 75.98% 75.03% 76.33% 76.33% 76.00% 73.96% 75.28%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.45% 24.03% 24.02% 24.97% 23.67% 23.67% 24.00% 26.04% 24.72%
Return on Invested Capital (ROIC)		 0.00% 0.00% 0.00% 2.67% 6.41% 7.59% 7.51% 4.53% 4.07%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 2.67% 6.41% 7.59% 7.51% 4.53% 4.07%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 7.52% 15.30% 16.39% 16.83% 12.48% 10.89%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 10.19% 21.70% 23.98% 24.33% 17.01% 14.96%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 1.98% 0.00% 0.00% 0.00% -13.27% -12.17%
Operating Return on Assets (OROA)		 0.00% 0.00% 0.00% 1.26% 1.42% 1.48% 1.46% 1.94% 1.76%
Return on Assets (ROA)		 0.00% 0.00% 0.00% 0.94% 1.09% 1.13% 1.11% 1.43% 1.33%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 10.19% 21.70% 23.98% 24.33% 17.01% 14.96%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 0.00% 0.00% 10.26% 11.13% 11.35% 0.00% 14.97%
Net Operating Profit after Tax (NOPAT)		 12 13 19 11 17 20 22 24 22
NOPAT Margin		 27.94% 29.06% 34.53% 25.18% 32.38% 34.51% 34.45% 36.30% 34.93%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.75% 51.66% 44.31% 50.16% 44.16% 42.92% 42.48% 40.19% 43.40%
Operating Expenses to Revenue		 63.83% 61.10% 54.23% 67.46% 55.15% 53.80% 53.38% 51.85% 54.30%
Earnings before Interest and Taxes (EBIT)		 16 17 25 15 23 27 29 32 29
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 17 18 26 16 24 27 30 33 30
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.33 0.84 0.78 0.94 1.01 1.01
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.33 0.84 0.78 0.94 1.02 1.01
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.81 2.50 2.24 2.66 2.39 2.37
Price to Earnings (P/E)		 0.00 0.00 0.00 3.20 9.40 7.97 9.44 8.06 7.62
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.18% 0.29% 0.45% 0.58%
Earnings Yield		 0.00% 0.00% 0.00% 31.21% 10.64% 12.55% 10.59% 12.41% 13.13%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.61 0.79 0.71 0.77 0.77 0.79
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 5.76 7.99 6.47 7.11 6.69 7.37
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 13.97 18.81 14.68 16.20 14.22 15.43
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 14.79 19.82 15.35 16.82 14.65 15.84
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 19.53 26.12 20.20 22.12 19.39 21.03
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 54.39 20.90 36.97 19.06 36.51 67.38
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 2.82 2.39 2.16 2.24 2.70 2.96
Long-Term Debt to Equity		 0.00 0.00 0.00 2.82 2.39 2.16 2.24 2.70 2.96
Financial Leverage		 0.00 0.00 0.00 2.82 2.39 2.16 2.24 2.75 2.68
Leverage Ratio		 0.00 0.00 0.00 11.18 9.99 10.64 10.97 11.87 11.27
Compound Leverage Factor		 0.00 0.00 0.00 11.18 9.99 10.64 10.97 11.87 11.27
Debt to Total Capital		 0.00% 0.00% 0.00% 73.80% 70.48% 68.34% 69.16% 72.97% 74.77%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 73.80% 70.48% 68.34% 69.16% 72.97% 74.77%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 0.00% 0.00% 26.20% 29.52% 31.66% 30.84% 27.03% 25.23%
Debt to EBITDA		 0.00 0.00 0.00 16.89 16.76 14.09 14.47 13.51 14.52
Net Debt to EBITDA		 0.00 0.00 0.00 12.01 12.91 9.60 10.13 9.14 10.47
Long-Term Debt to EBITDA		 0.00 0.00 0.00 16.89 16.76 14.09 14.47 13.51 14.52
Debt to NOPAT		 0.00 0.00 0.00 23.62 23.28 19.38 19.76 18.42 19.80
Net Debt to NOPAT		 0.00 0.00 0.00 16.79 17.93 13.21 13.84 12.47 14.28
Long-Term Debt to NOPAT		 0.00 0.00 0.00 23.62 23.28 19.38 19.76 18.42 19.80
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 0.00 0.00 0.00 -1,970 -1,888 -2,000 -317 -329
Operating Cash Flow to CapEx		 -168.58% 0.00% 10,289.73% 10,621.11% 16,901.86% -6,336.72% 11,389.17% -5,563.19% 9,038.85%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 -40.39 -33.37 -32.51 -5.06 -5.47
Operating Cash Flow to Interest Expense		 -0.02 -0.67 0.82 0.18 1.12 -1.28 1.47 -0.45 0.63
Operating Cash Flow Less CapEx to Interest Expense		 -0.03 -0.67 0.81 0.18 1.11 -1.30 1.46 -0.46 0.62
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.00 0.00 0.00 0.04 0.03 0.03 0.03 0.04 0.04
Fixed Asset Turnover		 0.00 0.00 0.00 6.61 7.29 7.64 7.96 8.81 9.27
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 0.00 0.00 0.00 1,765 1,987 1,908 2,022 2,105 2,338
Invested Capital Turnover		 0.00 0.00 0.00 0.11 0.20 0.22 0.22 0.12 0.12
Increase / (Decrease) in Invested Capital		 0.00 0.00 0.00 0.00 1,987 1,908 2,022 340 352
Enterprise Value (EV)		 0.00 0.00 0.00 1,077 1,571 1,359 1,565 1,617 1,857
Market Capitalization		 151 151 151 151 492 470 586 577 596
Book Value per Share		 $0.00 $0.00 $0.00 $13.48 $17.10 $17.58 $18.14 $16.56 $17.10
Tangible Book Value per Share		 $0.00 $0.00 $0.00 $13.42 $17.04 $17.53 $18.10 $16.51 $17.06
Total Capital		 0.00 0.00 0.00 1,765 1,987 1,908 2,022 2,105 2,338
Total Debt		 0.00 0.00 0.00 1,303 1,400 1,304 1,398 1,536 1,748
Total Long-Term Debt		 0.00 0.00 0.00 1,303 1,400 1,304 1,398 1,536 1,748
Net Debt		 0.00 0.00 0.00 926 1,079 888 979 1,040 1,261
Capital Expenditures (CapEx)		 0.56 -0.03 0.44 0.09 0.32 1.14 0.79 0.51 0.42
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 1,303 1,400 1,304 1,398 1,536 1,748
Total Depreciation and Amortization (D&A)		 1.01 0.99 1.30 0.96 1.03 0.78 0.78 0.77 0.82
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $0.34 $0.50 $0.52 $0.58 $0.54 $0.63
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 0.00 34.30M 34.36M 34.36M 34.36M 34.49M 34.58M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.35 $0.49 $0.51 $0.57 $0.54 $0.62
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 0.00 34.30M 34.36M 34.36M 34.36M 34.49M 34.58M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 0.00 34.30M 34.36M 34.36M 34.36M 34.49M 34.58M
Normalized Net Operating Profit after Tax (NOPAT)		 12 13 19 11 17 20 22 24 22
Normalized NOPAT Margin		 27.94% 29.06% 34.53% 25.18% 32.38% 34.51% 34.45% 36.30% 34.93%
Pre Tax Income Margin		 36.99% 38.25% 45.44% 33.56% 42.42% 45.21% 45.33% 49.08% 46.40%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 0.36 0.35 0.45 0.28 0.46 0.47 0.47 0.51 0.49
NOPAT to Interest Expense		 0.27 0.26 0.34 0.21 0.35 0.36 0.36 0.38 0.37
EBIT Less CapEx to Interest Expense		 0.35 0.35 0.44 0.28 0.46 0.45 0.46 0.50 0.48
NOPAT Less CapEx to Interest Expense		 0.26 0.26 0.33 0.21 0.35 0.34 0.35 0.37 0.36
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 20.99% 18.90% 17.91% 16.44% 13.71% 11.21%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 22.39% 18.90% 17.91% 16.44% 13.71% 11.21%

Financials Breakdown Chart

Key Financial Trends

Northpointe Bancshares (NYSE: NPB) posted a strong start to 2026, with first-quarter earnings and cash generation remaining solid, though the quarter also showed some pressure from balance-sheet growth and heavier investing activity.

  • Q1 2026 net income rose to $22.2 million, up from $17.2 million in Q1 2025 and $23.6 million in Q4 2025. Earnings remain healthy and above last year’s first quarter.
  • Operating cash flow was strong at $37.7 million in Q1 2026, indicating the core banking business continued to generate cash even after a profitable quarter.
  • Net interest income improved to $41.3 million in Q1 2026 from $30.4 million in Q1 2025, helped by much higher asset yields and stronger loan interest income.
  • Total revenue increased to $63.4 million from $53.3 million a year ago, showing continued top-line expansion.
  • Loan balances continued to grow, with loans and leases rising to $6.41 billion from $5.15 billion in Q1 2025, which supports future interest income.
  • Book equity increased to $590.0 million from $586.5 million in Q1 2025, indicating modest retained earnings growth.
  • Common shareholders’ net income improved to $21.7 million versus $15.0 million in Q1 2025, while EPS climbed to $0.63 from $0.50.
  • Non-interest income remained an important contributor at $22.1 million, though much of it came from capital gains on investments, which can be less predictable quarter to quarter.
  • NPB continued to use debt and deposits to fund growth, with deposits up $131.8 million and debt issuance of $454.9 million in Q1 2026, offset by $243.0 million of debt repayment.
  • Net cash and equivalents decreased by $8.8 million in Q1 2026, after a much larger cash build in prior quarters, suggesting cash was deployed into the balance sheet and investments.
  • Investment securities purchases were very heavy at $389.0 million, which helped long-term asset positioning but pressured near-term cash.
  • Interest expense remains elevated, with Q1 2026 cash interest paid of $58.5 million, reflecting a still-costly funding environment.
  • Provision for credit losses was a modest drag at $445,000, and while small, it signals the bank is still reserving against potential loan risk.

Bottom line: Northpointe Bancshares is still showing strong earnings power and good operating cash generation, with loan growth and improving net interest income supporting the story. The main watch item is funding and liquidity management, since the bank is growing assets aggressively and relying on a mix of deposits and debt to do it. For retail investors, NPB looks fundamentally profitable, but it is worth keeping an eye on cash trends, funding costs, and whether investment income remains as strong in coming quarters.

07/09/26 10:50 PM ETAI Generated. May Contain Errors.

Northpointe Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Northpointe Bancshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Northpointe Bancshares' net income appears to be on an upward trend, with a most recent value of $83.41 million in 2025, rising from $33.76 million in 2023. The previous period was $55.16 million in 2024. Find out what analysts predict for Northpointe Bancshares in the coming months.

Over the last 2 years, Northpointe Bancshares' total revenue changed from $196.29 million in 2023 to $241.72 million in 2025, a change of 23.1%.

Northpointe Bancshares' total liabilities were at $6.45 billion at the end of 2025, a 35.5% increase from 2024, and a 49.1% increase since 2023.

In the past 2 years, Northpointe Bancshares' cash and equivalents has ranged from $351.89 million in 2023 to $496.46 million in 2025, and is currently $496.46 million as of their latest financial filing in 2025.

Over the last 2 years, Northpointe Bancshares' book value per share changed from 41.33 in 2023 to 16.56 in 2025, a change of -59.9%.


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Financial statements for NYSE:NPB last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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