Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
NPB
HoldUnloved QualityNorthpointe Bancshares, Inc. · Financial Services · United States · $589M · Avg Vol: $3M/d
50
StockRankGet insider-trade alerts
Q
55
V
61
M
29
P/E (TTM)
7.4x
ROE
14.8%
D/E
2.7x
Dividend %
0.6%
COMPANY DESCRIPTION
Northpointe 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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 257.6M | 196.3M | 187.1M | 241.7M | -2.1% | 257.2M | 258.5M | 282.5M | 8.1% |
| EPS | 0.40 | 0.70 | 1.37 | 2.14 | 75.5% | 2.32 | 2.50 | 2.78 | 14.0% |
| Shares | 34.3M | 34.3M | 34.3M | 34.5M | +0.5% | 34.6M | — | — | — |
| Debt | 981.3M | 1.3B | 1.3B | 1.5B | 16.1% | 1.6B | — | — | — |
| Equity | 417.3M | 430.6M | 462.5M | 569.0M | 10.9% | — | — | — | — |
| Op CF | 1.4B | 504.2M | 19.8M | 44.3M | -68.0% | 103.7M | — | — | — |
| Inv CF | -1.2B | -750.7M | -458.2M | -1.6B | — | — | — | — | — |
| Fin CF | -354.8M | 324.2M | 462.8M | 1.7B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-1.6%
SMA 50SMA 200
Close
$17.00
RSI (14)
42.5
52W High
$19.68
From 52W High
0.9%
SCORE BREAKDOWN
Quality
55
ROIC (ROA)
1.3%*44.7
ROE
14.8%73.3
GP/Assets
3.7%N/A
Op. Margin
45.1%64.3
FCF/Assets
0.3%N/A
Piotroski
446.2
Int. Cover
—50.0
D/E Ratio
2.70xN/A
Current Ratio
bankN/A
Value
61
P/E (TTM)
7.4x81.2
EV/EBITDA
bankN/A
P/FCF
24.1xN/A
P/B
1.0x63.3
P/S
2.3x71.3
Div Yield
0.6%5.3
Momentum
29
52W High %
86%37.2
RS 6M
-17%16.2
SMA 50/200
1.00x31.0
EPS Rev 4W
-5.0%5.8
EPS Rev 12W
—N/A
EPS Improve
+18%47.5
Q Growth
7%35.6
FUNDAMENTALS
Market Cap
$589M
P/E (Forward)
6.3x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of NPB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| NPB | Northpointe Bancshares, Inc.(you) | $589M | 50 | Hold |
| CBAN | Colony Bankcorp, Inc. | $453M | 50 | Hold |
| BSVN | Bank7 Corp. | $497M | 54 | Hold |
| BSRR | Sierra Bancorp | $516M | 55 | Hold |
| CWBC | Community West Bancshares | $701M | 45 | Hold |
| SBSI | Southside Bancshares, Inc. | $950M | 50 | Hold |
| BWB | Bridgewater Bancshares, Inc. | $594M | 61 | Hold |
| AVBC | Avidia Bancorp, Inc. | $408M | 47 | Hold |
| PDLB | Ponce Financial Group, Inc. | $495M | 58 | Hold |
| BRBS | Blue Ridge Bankshares, Inc. | $352M | 48 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%