Northpointe Bancshares, Inc. (NPB) Key Metrics
NPB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $536.7M
- Enterprise value
- $1.63B
- P/E (TTM)
- 6.7
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 2.1
- Price / book
- 0.9
- EV / EBITDA
- —
- Dividend yield
- 0.77% $0.12 a year
- Beta
- —
NPB key metrics, 2020–2025
Fiscal year ended December 31, 2025 · U.S. dollarsNPB returns How much profit the business earns on the capital it uses.
NPB per-share figures Results divided by the shares outstanding at year-end.
NPB financial health Debt, liquidity and how easily interest is covered.
NPB efficiency & capital use Working capital cycle and where the cash goes.
NPB valuation history
NPB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
NPB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
NPB cash returned to shareholders
NPB price vs earnings per share
NPB key metrics
2020–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| Market capitalization | $568.2M | — | — | — | — | — |
| Enterprise value | $1.61B | — | — | — | — | — |
| P/E ratio | 6.8 | — | — | — | — | — |
| Price / sales | 1.2 | — | — | — | — | — |
| Price / book | 1.0 | — | — | — | — | — |
| Price / free cash flow | 13.7 | — | — | — | — | — |
| Price / operating cash flow | 12.8 | — | — | — | — | — |
| EV / sales | 3.4 | — | — | — | — | — |
| EV / EBITDA | 14.2 | — | — | — | — | — |
| EV / free cash flow | 38.7 | — | — | — | — | — |
| Earnings yield | 14.7% | — | — | — | — | — |
| Free cash flow yield | 7.3% | — | — | — | — | — |
| Dividend yield | 2.0% | — | — | — | — | — |
| Shareholder yield (dividends + buybacks) | 16.5% | — | — | — | — | — |
| Share price at fiscal year-end | $16.78 | — | — | — | — | — |
| Per share | ||||||
| Revenue per share | $13.91 | $11.38 | $10.56 | $9.45 | $0.03 | $0.53 |
| Earnings per share | $2.46 | $1.61 | $0.98 | $0.68 | −$0.76 | $0.16 |
| Operating cash flow per share | $1.31 | $0.58 | −$0.70 | −$2.32 | −$1.99 | $0.92 |
| Free cash flow per share | $1.23 | $0.55 | −$0.78 | −$2.42 | −$2.05 | $0.90 |
| Cash per share | $14.66 | $11.22 | $66.59 | $100.67 | $8.83 | $10.71 |
| Book value per share | $16.80 | $13.48 | $50.08 | $84.81 | $9.42 | $12.59 |
| Tangible book value per share | $16.21 | $12.98 | $46.64 | $76.61 | $8.83 | $11.95 |
| Dividends per share | $0.34 | $0.34 | $0.36 | $0.51 | — | — |
| Capex per share | $0.08 | $0.03 | $0.08 | $0.10 | $0.06 | $0.02 |
| Debt per share | $45.37 | $37.97 | $3.90 | $2.19 | $0.23 | $0.03 |
| Shares outstanding | 33.9M | 34.3M | 34.3M | 34.3M | 76.0M | 68.4M |
| Change in shares outstanding | −1.3% | 0.0% | 0.0% | −54.8% | +11.1% | — |
| Returns & profitability | ||||||
| Return on equity (ROE) | 16.2% | 5.1% | 1.5% | 1.3% | −7.3% | 1.3% |
| Return on invested capital (ROIC) | 5.6% | 11.6% | — | — | −42.0% | 2.7% |
| Return on assets (ROA) | 1.4% | 1.4% | 1.0% | 0.9% | −6.2% | 1.1% |
| Return on tangible assets | 1.2% | 1.1% | 1.4% | 0.6% | −6.9% | 1.2% |
| Free cash flow margin | 8.8% | 4.8% | −7.4% | −25.6% | — | 170.4% |
| Income quality (OCF / net income) | 0.53 | 0.36 | −0.71 | −3.42 | — | 5.69 |
| Financial health | ||||||
| Total debt | $1.54B | $1.30B | $133.9M | $75.0M | $17.6M | $2.1M |
| Cash & short-term investments | $496.5M | $384.9M | $2.28B | $3.45B | $671.0M | $732.5M |
| Net debt | $1.04B | $917.8M | −$2.15B | −$3.38B | −$653.3M | −$730.4M |
| Debt / equity | 2.70 | 2.82 | 0.08 | 0.03 | 0.02 | 0.00 |
| Debt / assets | 0.22 | 0.25 | 0.05 | 0.02 | 0.02 | 0.00 |
| Net debt / EBITDA | 9.17 | 11.97 | −44.16 | −89.60 | — | −61.41 |
| Current ratio | 0.10 | 0.11 | 5.67 | 4.78 | 7.66 | 9.28 |
| Quick ratio | 0.10 | 0.11 | 5.60 | 4.89 | 7.62 | 9.28 |
| Interest coverage | 0.5 | 0.4 | 0.3 | 0.5 | — | 162.6 |
| Working capital | −$4.37B | −$3.04B | $1.92B | $2.87B | $652.3M | $729.0M |
| Invested capital | $1.61B | $1.38B | −$432.6M | −$469.1M | $62.0M | $130.0M |
| Tangible asset value | $549.0M | $445.3M | $1.60B | $2.63B | $671.0M | $817.2M |
| Net current asset value | −$5.96B | −$4.38B | $1.44B | $2.46B | $586.8M | $709.0M |
| Graham number | $30.52 | $22.08 | $33.30 | $35.95 | — | $6.76 |
| Graham net-net per share | −$175.30 | −$127.54 | $40.97 | $65.69 | $7.31 | $9.92 |
| Capital allocation | ||||||
| Dividends paid | $11.4M | $11.6M | $12.2M | $17.4M | — | — |
| Share buybacks (net) | $82.2M | $12.3M | $616,000 | $1.5M | — | $5.1M |
| Dividend payout ratio | 13.7% | 21.0% | 36.2% | 74.9% | — | — |
| Dividends + buybacks / free cash flow | 225.4% | 127.5% | — | — | — | 8.2% |
| Capex / revenue | 0.6% | 0.3% | 0.8% | 1.0% | 214.0% | 3.2% |
| Capex / operating cash flow | 6.2% | 5.3% | — | — | — | 1.8% |
| Capex / depreciation | 0.90 | 0.28 | 0.70 | 0.84 | 0.95 | 0.36 |
| Stock-based compensation / revenue | — | −0.5% | 53.2% | 110.1% | 28,065.6% | 1,364.2% |
| R&D / revenue | — | 40.7% | 31.6% | 48.0% | 1,378.0% | 63.8% |
| SG&A / revenue | 19.9% | 19.9% | 28.8% | 49.3% | 1,022.4% | 26.1% |
| Efficiency | ||||||
| Days sales outstanding | 11.4 | 1.4 | 3.3 | 37.0 | 11,125.2 | 718.9 |
| Days of inventory on hand | — | — | -56.9 | -201.3 | 1,363.5 | — |
| Receivables turnover | 31.98 | 259.87 | 109.10 | 9.86 | 0.03 | 0.51 |
| Inventory turnover | — | — | — | — | 0.27 | — |
| Asset turnover | 0.08 | 0.10 | 0.11 | 0.13 | 0.00 | 0.04 |
| Average receivables | $14.7M | $1.5M | $3.3M | $32.9M | $66.1M | $71.2M |
| Average inventory | — | — | −$25.7M | −$38.0M | $4.3M | — |
| Intangibles / total assets | 0.3% | 0.3% | 4.5% | 6.9% | 5.0% | 4.5% |
Computed from NPB's annual financial statements (latest annual report filed April 7, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
NPB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Northpointe Bancshares traded at 6.8 times earnings. Based on the latest twelve months, the trailing P/E is 6.7. Northpointe Bancshares earned a return on equity of 16.2% and a return on invested capital of 5.6% in fiscal 2025. It ended the year with $1.5 billion of debt and $496.5 million in cash and short-term investments, net debt of $1.0 billion. It returned $93.6 million to shareholders: $11.4 million in dividends and $82.2 million in share buybacks, 225% of free cash flow. The share count fell 50.5% from 68.4M to 33.9M over 5 years.
See the NPB income statement, the NPB chart for price history, or the NPB stock overview for the latest quote and news.
NPB key metrics FAQ
What is Northpointe Bancshares's P/E ratio?
Northpointe Bancshares's trailing P/E ratio is 6.7 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 6.8.
What is Northpointe Bancshares's EV/EBITDA?
Northpointe Bancshares's enterprise value was 14.2 times EBITDA at the end of fiscal 2025 (enterprise value $1.6 billion, EBITDA $113.5 million).
What is Northpointe Bancshares's return on equity?
Northpointe Bancshares's return on equity (ROE) was 16.2% in fiscal 2025: net income of $83.4 million on average shareholders' equity of $515.8 million.
What is Northpointe Bancshares's ROIC?
Northpointe Bancshares's return on invested capital was 5.6% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Northpointe Bancshares have?
Northpointe Bancshares had total debt of $1.5 billion at the end of fiscal 2025, a debt-to-equity ratio of 2.70 and $1.0 billion of net debt (9.17 times EBITDA).
What is Northpointe Bancshares's dividend yield?
Northpointe Bancshares's forward dividend yield is 0.77%. Northpointe Bancshares paid $11.4 million in dividends in fiscal 2025 ($0.34 per share), a payout ratio of 13.7%.
Does Northpointe Bancshares buy back its shares?
Yes. Northpointe Bancshares spent $82.2 million on net share repurchases in fiscal 2025 Shares outstanding changed −1.3% over the year, to 33.9M..
What is Northpointe Bancshares's free cash flow yield?
Northpointe Bancshares generated $41.5 million of free cash flow in fiscal 2025, a free cash flow yield of 7.3% on its market value at year-end ($568.2 million).
What is Northpointe Bancshares's current ratio?
Northpointe Bancshares's current ratio was 0.10 at the end of fiscal 2025: current assets were 0.10 times current liabilities.