Northpointe Bancshares, Inc. (NPB) AI Stock Analysis

Northpointe Bancshares, Inc. operates as the bank holding company for Northpointe Bank, providing various banking products and services in the United States. Incorporated in 1998 and based in Grand Rapids, Michigan, the company operates across two main segments: Mortgage Purchase Program and Retail Banking. Its offerings include digital deposit banking such as noninterest-bearing accounts, savings, money-market demand accounts, and certificates of deposit. In addition, it provides personal and business banking, health savings accounts, home loans, residential mortgage lending, and custodial deposit services, alongside its specialized mortgage purchase program.

Revenue increased from $2.2M in FY2021 to $471.2M in FY2025, representing a 5-year revenue CAGR of 67.1% from FY2020 to FY2025. Annual operating margin improved from -2353.1% in FY2021 to 23.4% in FY2025, while net margin rose from -2648.7% to 17.7%. In FY2025, net income reached $83.4M with EPS of $2.09, and free cash flow turned positive to $41.5M compared to -$155.5M in FY2021. For the trailing twelve months ended June 30, 2026, revenue stood at $257.2M with an operating margin of 45.1% and a profit margin of 34.9%. In the latest quarter ended June 30, 2026, quarterly revenue grew 9.8% year-over-year and quarterly earnings rose 17.6%.

As of June 30, 2026, Northpointe Bancshares held $543.2M in cash and short-term investments against total debt of $1.63B, resulting in net debt of $1.09B. Total assets stood at $7.53B and shareholders' equity was $611.6M, representing a debt-to-equity ratio of 2.66. In FY2025, the company generated $44.3M in operating cash flow and directed $2.8M to capital expenditures, $82.2M to share buybacks, and $11.4M to dividends paid. Its share count fell 55.0% over 5 years.

Northpointe Bancshares has a market capitalization of $536.7M and an enterprise value of $1.63B. The stock trades at a trailing P/E of 6.7x, below the 12.1x median of its US-listed Financial Services peers. Its price-to-sales ratio of 2.1x compares to the peer median of 3.2x, while its price-to-book ratio is 0.9x and EV-to-revenue is 8.4x. Over the past year, the stock returned -6.7%, trailing the S&P 500 (SPY) return of 16.8%.

NPB pays a quarterly dividend with an annual forward payout of $0.12, equating to a dividend yield of 0.77% as of October 16, 2026. The payout ratio is 4.5%, and the company has paid dividends for 2 consecutive years. Its last ex-dividend date was October 15, 2026.

Wall Street analysts cover the stock with 2 Buy ratings and 1 Hold rating. The mean price target is $19.22, which is 23.8% above the last close of $15.52. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $2.43 on revenue of $253.1M. For the next fiscal year, 3 analysts estimate EPS of $2.69 on revenue of $273.6M. Over the last four quarters, the company beat EPS estimates 1 time. The next earnings date is October 20, 2026.

This page is an AI-written research summary of Northpointe Bancshares, Inc. (NPB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: NPB income statement, NPB balance sheet, NPB key metrics, NPB analyst forecast, NPB chart. See the NPB stock overview for the latest quote and news.