Northpointe Bancshares, Inc. (NPB)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 36 | 2 | 258 | 196 | 187 | 242 | 194 | - |
| Operating profit | $m | 110 | 61 | ||||||
| Net profit | $m | 11 | -57 | 23 | 34 | 55 | 83 | 90 | 84 |
| EPS reported | $ | 2.11 | 2.31 | ||||||
| Operating cashflow per share | $ | 1.32 | 2.88 | ||||||
| Capex per share | $ | 0.08 | 0.04 | ||||||
| FCF per share | $ | 1.24 | 2.84 | ||||||
| Free cash flow | $m | 42 | 99 | ||||||
| Net debt | $m | 1,040 | 1,086 | ||||||
| Book value equity | $m | 569 | 612 | ||||||
| Book value per share | $ | 16.80 | 17.31 | ||||||
| Number of shares | m | 33.86 | 35.34 | ||||||
| DPS (TTM paid) | $ | 0.08 | 0.10 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.95 | 6.65 | ||||||
| P/B LTM | x | 0.99 | 0.92 | ||||||
| P/S LTM | x | 2.32 | 2.89 | ||||||
| P/FCF LTM | x | 13.51 | 5.69 | ||||||
| EV/EBITDA LTM | x | 14.11 | 25.56 | ||||||
| EV/Sales LTM | x | 3.40 | 3.82 | ||||||
| Earnings Yield LTM | % | +12.58% | +15.04% | ||||||
| FCF Yield | % | +7.40% | +17.57% | ||||||
| Quality | |||||||||
| ROE | % | +14.66% | +14.99% | ||||||
| ROIC | % | +3.87% | +0.61% | ||||||
| Operating margin | % | +23.43% | +13.80% | ||||||
| Gross margin | % | +50.86% | +44.95% | ||||||
| FCF/Sales | % | +8.81% | +22.24% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +54.01% | +68.61% | ||||||
| Sales Growth YoY | % | +29.17% | +3.74% | ||||||
| Net Income Growth YoY | % | +51.22% | +62.65% | ||||||
| FCF Growth | % | +121.39% | +425.45% | ||||||
| Operating Profit Growth | % | +51.48% | -16.11% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.04% | +0.57% | ||||||
| Dividend Growth | % | -77.78% | -70.37% | ||||||
| Payout Ratio | % | +16.00% | +7.72% | ||||||
| FCF/Debt | x | 0.03 | 0.06 | ||||||
| Net Debt/EBITDA | x | 9.17 | 17.42 | ||||||
| EBIT/Net interest | x | 0.48 | 0.25 | ||||||
| Net debt/market cap | % | +2.74% | +2.70% | ||||||
| Net debt/Equity | x | 1.83 | 1.78 | ||||||
| Gross debt/equity | x | 2.70 | 2.66 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Northpointe Bancshares, Inc. (NPB)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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