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Northpointe Bancshares, Inc. logo

Northpointe Bancshares, Inc.

NPB

NYSEFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$17.21

−$0.11 · -0.64%

Aug 21, 4:00 PM ET

NPB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

80

Undervalued

Momentum

45

Neutral

Sentiment

63

Bullish

Risk resilience

78

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Northpointe Bancshares, Inc. serves as the parent company for Northpointe Bank, offering a broad spectrum of financial products and banking services throughout the United States. The organization's activities are structured into two main divisions: its Mortgage Purchase Program and Retail Banking. Customers can access digital deposit solutions such as non-interest-bearing accounts, savings accounts, money market demand accounts, and certificates of deposit. Furthermore, the company extends services to individual and business clients, provides health savings accounts, facilitates home financing, manages a dedicated mortgage purchase program, engages in residential mortgage lending, and offers custodial deposit services. Founded in 1998, Northpointe Bancshares, Inc. is based in Grand Rapids, Michigan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Charles A. Williams
Listed since
Feb 18, 2025
Employees
483

Market position

Day range

Current $17.21

52-week range

Current $17.21

Open
$17.38
Previous close
$17.32
Volume
166.24K
0.95× average
Average volume
174.8K
Average daily volume
Market cap
593.64M USD
Beta
0.06
Market reference 1
50-day average
$17.9448
-4.09% below average
200-day average
$17.5863
-2.14% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.6B USD
P/E (TTM)
7.32×
P/B (TTM)
0.98×
P/S (TTM)
1.34×
EV / EBITDA
14.11×
Earnings yield
14.87%
Free cash flow yield
7.40%
Dividend yield
0.58%

Profitability & efficiency

Gross margin
44.95%
Operating margin
13.80%
Net margin
20.25%
Return on equity
14.66%
Return on assets
1.19%
Return on invested capital
3.87%

Financial health

Debt / equity
2.66×
Current ratio
0.1×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends351%-739%-1830%-2921%Gross margin, FY2021: 47.25%Gross margin, FY2022: 78.75%Gross margin, FY2023: 54.57%Gross margin, FY2024: 48.01%Gross margin, FY2025: 50.86%Operating margin, FY2021: -2353.06%Operating margin, FY2022: 10.39%Operating margin, FY2023: 12.33%Operating margin, FY2024: 18.66%Operating margin, FY2025: 23.43%Net margin, FY2021: -2648.70%Net margin, FY2022: 7.17%Net margin, FY2023: 9.31%Net margin, FY2024: 14.13%Net margin, FY2025: 17.70%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 47.25%. Gross margin FY2022 78.75%. Gross margin FY2023 54.57%. Gross margin FY2024 48.01%. Gross margin FY2025 50.86%. Operating margin FY2021 -2353.06%. Operating margin FY2022 10.39%. Operating margin FY2023 12.33%. Operating margin FY2024 18.66%. Operating margin FY2025 23.43%. Net margin FY2021 -2648.70%. Net margin FY2022 7.17%. Net margin FY2023 9.31%. Net margin FY2024 14.13%. Net margin FY2025 17.70%.

Income trends

Revenue

471.18M USD+20.68%

Operating income

110.39M USD+51.48%

Net income

83.41M USD+51.22%
Income trends across reported periods524.05M USD312.6M USD101.15M USD−110.3M USDRevenue, FY2021: 2.17M USDRevenue, FY2022: 324.24M USDRevenue, FY2023: 362.45M USDRevenue, FY2024: 390.46M USDRevenue, FY2025: 471.18M USDOperating income, FY2021: −51.03M USDOperating income, FY2022: 33.69M USDOperating income, FY2023: 44.69M USDOperating income, FY2024: 72.88M USDOperating income, FY2025: 110.39M USDNet income, FY2021: −57.44M USDNet income, FY2022: 23.24M USDNet income, FY2023: 33.76M USDNet income, FY2024: 55.16M USDNet income, FY2025: 83.41M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 2.17M USD. Revenue FY2022 324.24M USD. Revenue FY2023 362.45M USD. Revenue FY2024 390.46M USD. Revenue FY2025 471.18M USD. Operating income FY2021 −51.03M USD. Operating income FY2022 33.69M USD. Operating income FY2023 44.69M USD. Operating income FY2024 72.88M USD. Operating income FY2025 110.39M USD. Net income FY2021 −57.44M USD. Net income FY2022 23.24M USD. Net income FY2023 33.76M USD. Net income FY2024 55.16M USD. Net income FY2025 83.41M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue471.18M USD390.46M USD362.45M USD324.24M USD2.17M USD
Cost of goods sold231.56M USD202.99M USD164.68M USD68.9M USD1.14M USD
Gross profit239.62M USD187.47M USD197.77M USD255.34M USD1.02M USD
Research and development————29.88M USD
Selling, general, and administrative93.62M USD77.79M USD104.29M USD159.88M USD22.17M USD
Operating expenses129.23M USD114.59M USD153.08M USD221.65M USD52.05M USD
Interest income380.2M USD317.53M USD267.38M USD166.12M USD525.54K USD
Interest expense229.47M USD203.32M USD166.16M USD66.69M USD—
Depreciation and amortization3.07M USD3.8M USD4.02M USD4.02M USD840.94K USD
Operating income110.39M USD72.88M USD44.69M USD33.69M USD−51.03M USD
Net income83.41M USD55.16M USD33.76M USD23.24M USD−57.44M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
40%
4 beats, 4 misses, 2 met estimates
Average EPS surprise
+5.01%
10 comparable reports
Latest EPS result
0.6
Estimate 0.68 · Miss by 11.37%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.730.470.2-0.06Q1 '25MetQ2 '25BeatQ3 '25MetQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 31, 2025: actual -0.008, estimate -0.008, surprise 0.00%, Met estimate. Q2 2025, reported Apr 22, 2025: actual 0.49, estimate 0.48, surprise +2.08%, Beat. Q3 2025, reported Jul 22, 2025: actual 0.51, estimate 0.51, surprise 0.00%, Met estimate. Q4 2025, reported Oct 21, 2025: actual 0.57, estimate 0.56, surprise +1.79%, Beat. Q1 2026, reported Jan 20, 2026: actual 0.52, estimate 0.6, surprise -13.33%, Miss. Q2 2026, reported Apr 21, 2026: actual 0.62, estimate 0.625, surprise -0.80%, Miss. Q3 2026, reported Jul 21, 2026: actual 0.6, estimate 0.677, surprise -11.37%, Miss. Q4 2026, reported Oct 20, 2026: actual —, estimate 0.62, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates104M69.39M34.78M175.11KQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 31, 2025: actual 96.31M USD, estimate 206.01K USD, surprise +46652.10%, Beat. Q2 2025, reported Apr 22, 2025: actual 7.3M USD, estimate 6.71M USD, surprise +8.87%, Beat. Q3 2025, reported Jul 22, 2025: actual 8.23M USD, estimate 7.91M USD, surprise +4.02%, Beat. Q4 2025, reported Oct 21, 2025: actual 9.04M USD, estimate 8.84M USD, surprise +2.27%, Beat. Q1 2026, reported Jan 20, 2026: actual 9.37M USD, estimate 9.42M USD, surprise -0.58%, Miss. Q2 2026, reported Apr 21, 2026: actual 63.42M USD, estimate 63.76M USD, surprise -0.53%, Miss. Q3 2026, reported Jul 21, 2026: actual 64.32M USD, estimate 66.5M USD, surprise -3.29%, Miss. Q4 2026, reported Oct 20, 2026: actual —, estimate 9.66M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$22.00

27.83% upside
Past 12 months12-month forecastHigh $22.00Average $22.00Low $22.00

NPB news

seekingalpha.com

Northpointe Bancshares, Inc. (NPB) Q2 2026 Earnings Call Transcript

Northpointe Bancshares, Inc. (NPB) Q2 2026 Earnings Call Transcript

Read source
marketbeat.com

Northpointe Bancshares Q2 Earnings Call Highlights

Northpointe Bancshares NYSE: NPB reported second-quarter 2026 net income to common stockholders of $21.3 million, or $0.60 per diluted share, as management pointed to continued growth in its Mortgage Purchase Program,…

Read source
zacks.com

Northpointe Bancshares, Inc. (NPB) Q2 Earnings and Revenues Lag Estimates

Northpointe Bancshares, Inc. (NPB) came out with quarterly earnings of $0.6 per share, missing the Zacks Consensus Estimate of $0.68 per share. This compares to earnings of $0.51 per share a year ago.

Read source
zacks.com

Northpointe Bancshares, Inc. (NPB) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

Although the revenue and EPS for Northpointe Bancshares, Inc. (NPB) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street…

Read source
businesswire.com

Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results

GRAND RAPIDS, Mich.--(BUSINESS WIRE)-- #Earnings--Northpointe Bancshares, Inc. reported net income to common stockholders of $21.3 million, or $0.60 per diluted share, for the second quarter of 2026.

Read source
zacks.com

Northpointe Bancshares, Inc. (NPB) Earnings Expected to Grow: What to Know Ahead of Next Week's Release

Northpointe Bancshares, Inc. (NPB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Read source

Corporate actions

Corporate action history

Dividend

Ex-dividend Jul 15, 2026

$0.025

Quarterly

Record Jul 15, 2026 · Payment Aug 4, 2026

Dividend

Ex-dividend Apr 15, 2026

$0.025

Quarterly

Record Apr 15, 2026 · Payment May 5, 2026

Dividend

Ex-dividend Jan 15, 2026

$0.025

Quarterly

Record Jan 15, 2026 · Payment Feb 3, 2026

Dividend

Ex-dividend Oct 15, 2025

$0.025

Quarterly

Record Oct 15, 2025 · Payment Nov 3, 2025

Dividend

Ex-dividend Jul 15, 2025

$0.025

Quarterly

Record Jul 15, 2025 · Payment Aug 4, 2025

Dividend

Ex-dividend Apr 15, 2025

$0.025

Quarterly

Record Apr 15, 2025 · Payment May 2, 2025

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ETFs holding NPB

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
13.38M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24—
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
10.87M
Weight
0.04%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45—
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
9.47M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96—
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
3.56M
Weight
0.02%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81—
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
2.11M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53—
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
2.04M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25—
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
1.26M
Weight
0.08%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39—
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
1.18M
Weight
0.05%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62—

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