Northpointe Bancshares, Inc. (NPB)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 17.50 $ — 63% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 13.3% failed
- More than 10% revenue growth is expected for the coming year 8.2% failed
- Share count grows by less than 3% a year -0.4% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 29.5% failed
- Gross margin at 40% or higher and without meaningful erosion 50.9% failed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 9.2 x EBITDA failed
- Operating cash flow covers the profits of the last three years -132 m failed
- Return on capital at 15% or higher, or up versus two years ago 5.1% passed
- Insiders hold at least 10% or are net buyers 31.8% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 19.5% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 2
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.47 | 2.44 – 2.50 | 259 | 17.1% | 2 |
| 12/31/2027 | 2.89 | 2.80 – 3.05 | 283 | 16.9% | 3 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.63 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.32 | 563.20 | 96 | 25.70 | 11.40 | 11 | 11 |
| 2025: Q1 | 0.50 | 40.80 | 102 | 14.30 | 16.90 | 54 | 54 |
| 2025: Q2 | 0.59 | 53.90 | 116 | 20.60 | 17.60 | -72 | -73 |
| 2025: Q3 | 0.64 | 18.60 | 126 | 15.40 | 17.60 | 90 | 90 |
| 2025: Q4 | 0.68 | 115.10 | 128 | 32.70 | 18.50 | -28 | -29 |
| 2026: Q1 | 0.64 | 28.50 | 124 | 21.40 | 17.90 | 38 | 38 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2020 | 36 | 4 | 11 | 0.37 | 63 | 860 | 969 |
| 2021 | 2 | -51 | -57 | -1.74 | -151 | 715 | 879 |
| 2022 | 324 | 34 | 23 | 0.68 | -80 | 2,910 | 4,074 |
| 2023 | 362 | 45 | 34 | 0.98 | -24 | 1,718 | 2,613 |
| 2024 | 390 | 73 | 55 | 1.61 | 20 | 462 | 5,224 |
| 2025 | 471 | 110 | 83 | 2.46 | 44 | 569 | 7,023 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Northpointe Bancshares, Inc. ist die Bankholding der Northpointe Bank, die in den USA verschiedene Bankprodukte und -dienstleistungen anbietet.
| Employees | 483 |
|---|---|
| Headquarters | Grand Rapids, MI |
| Address | 3333 Deposit Drive Northeast, 49546-1467 Grand Rapids, United States |
| Phone | 616 940 9400 |
| Website | northpointe.com |
| IPO Date | 14. Feb 2025 |
| ISIN | US66661N8864 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Charles A. Williams | Founder, Chairman & CEO | 1963 |
| Kevin J. Comps | President & Secretary | 1982 |
| David J. Christel | President of Mortgage Purchase Program - Northpointe Bank | 1966 |
| Bradley T. Howes | Executive VP & CFO | 1980 |
| Gary Dykstra | Senior VP, Controller & Principal Accounting Officer | 1964 |
| Amy M. Butler | Executive Vice President of National Sales of Northpointe Bank | 1977 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.