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Northpointe Bancshares, Inc.(NPB)Earnings, Financials & Key Ratios
NPB•NYSE•Banking & Credit
$18.35
3.8× P/E·Price updated Jul 7, 2026
AboutNorthpointe Bancshares, Inc. operates as the bank holding company for Northpointe Bank provides various banking products and services in the United States. It operates through two segments: Mortgage Purchase Program and Retail Banking. The company offers digital deposit banking, such as noninterest-bearing accounts, savings, money-market demand accounts, and certificates of deposits; personal and business banking; and health saving accounts; home loans; mortgage purchase program; residential mortgage lending; and custodial deposit services. Northpointe Bancshares, Inc. was incorporated in 1998 and is headquartered in Grand Rapids, Michigan.Show more
- Net Interest Income$151M+32.0%
- Total Revenue$471M+20.7%
- Net Income$83M+51.2%
- Return on Equity8.19%+136.5%
- Net Interest Margin2.15%-70.8%
- Efficiency Ratio27.43%-6.5%
- ROA1.95%-26.5%
- Equity / Assets8.1%-91.4%
- Book Value per Share38.65-60.7%
NPB Price & Volume
Northpointe Bancshares, Inc. (NPB) stock price & volume — 10-year historical chart
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Rapid Warehouse Expansion Drives Scalable Revenue Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Mortgage warehouse asset concentration
Key Thesis Takeaways
- Northpointe Bancshares is aggressively scaling its mortgage warehouse operations, evidenced by a total asset expansion from $2.6 billion in 2023Q4 to $7.4 billion in 2026Q1.
- While the bank has successfully improved its efficiency ratio from 39.0% to 28.0% over this period, investors should remain cautious regarding the extreme volatility in net interest margins and operating cash flows.
- The current valuation, trading at a 0.49 P/B ratio, appears to reflect significant market skepticism regarding the long-term sustainability of its specialized lending model and potential duration risks within its $6.8 billion investment securities portfolio.
Verdict Logic
while the stock trades at a compelling 0.49 P/B ratio and 3.90 P/E TTM, the extreme volatility in quarterly cash flows and NIM suggests that the underlying earnings quality warrants further investigation before committing capital.
NPB Growth Metrics
Northpointe Bancshares, Inc. (NPB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years67.1%
3 Years13.27%
TTM-
Profit CAGR
10 Years-
5 Years49.84%
3 Years53.11%
TTM46.8%
EPS CAGR
10 Years-
5 Years14.73%
3 Years74.04%
TTM40.38%
Return on Capital
10 Years1.26%
5 Years1.43%
3 Years3.88%
Last Year6.06%
NPB Recent Earnings
Northpointe Bancshares, Inc. (NPB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (50%)●Beat Revenue 4/12 qtrs (67%)
Q2 2026Latest
Apr 21, 2026Metric
Actual
Est
EPS
$0.62-6.1%
$0.66
Rev
$9M-0.5%
$9M
Q1 2026
Jan 20, 2026Metric
Actual
Est
EPS
$0.52-13.3%
$0.60
Rev
$9M-0.6%
$9M
Q4 2025
Oct 21, 2025Metric
Actual
Est
EPS
$0.57+1.8%
$0.56
Rev
$64M+628.4%
$9M
Q3 2025
Jul 22, 2025Metric
Actual
Est
EPS
$0.51+0.0%
$0.51
Rev
$59M+645.6%
$8M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $0.62vs $0.66-6.1% | $9Mvs $9M-0.5% |
| Q1 2026 | Jan 20, 2026 | $0.52vs $0.60-13.3% | $9Mvs $9M-0.6% |
| Q4 2025 | Oct 21, 2025 | $0.57vs $0.56+1.8% | $64Mvs $9M+628.4% |
| Q3 2025 | Jul 22, 2025 | $0.51vs $0.51+0.0% | $59Mvs $8M+645.6% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Northpointe Bancshares, Inc. (NPB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $18.35 | $275.9M | 3.78 | 20.68% | 17.7% | 8.19% | 1.19% | |
| $57.41 | $991.72M | 10.51 | 2.74% | 24.23% | 13.36% | — | |
| $35.76 | $736.88M | 10.94 | -0.3% | 22.54% | 14.15% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $57.40 | $457.66M | 12.90 | 6.13% | 18.69% | 13.31% | — | |
| $37.65 | $2.78B | 14.32 | -1.58% | 18.26% | 8.36% | — |
Compare NPB vs Peers
Northpointe Bancshares, Inc. (NPB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NPB SEC Filings & Documents
Northpointe Bancshares, Inc. (NPB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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NPB Frequently Asked Questions
Northpointe Bancshares, Inc. (NPB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Northpointe Bancshares, Inc. growing?
Northpointe Bancshares, Inc. (NPB) grew revenue by 20.7% over the past year. This is strong growth.
Is NPB profitable?
Yes, Northpointe Bancshares, Inc. (NPB) is profitable, generating $88.3M in net income for fiscal year 2025 (17.7% net margin).
Dividend & Returns
Does NPB pay dividends?
Yes, Northpointe Bancshares, Inc. (NPB) pays a dividend with a yield of 1.19%. This makes it attractive for income-focused investors.
What is NPB's return on equity?
Northpointe Bancshares, Inc. (NPB) has a return on equity (ROE) of 8.2%. This is below average, suggesting room for improvement.
Industry Metrics
What is Northpointe Bancshares, Inc.'s net interest margin?
Northpointe Bancshares, Inc. (NPB) has a net interest margin (NIM) of 2.1%. NIM has been under pressure due to interest rate environment.
What is Northpointe Bancshares, Inc.'s efficiency ratio?
Northpointe Bancshares, Inc. (NPB) has an efficiency ratio of 27.4%. This is excellent, indicating strong cost control.