NORTHPOINTE BANCSHARES INC (NPB) Fundamental Analysis & Valuation

NYSE:NPB • US66661N8864

Current stock price

18.5 USD
-0.31 (-1.65%)
At close:
18.5 USD
0 (0%)
After Hours:

This NPB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. NPB Profitability Analysis

1.1 Basic Checks

  • NPB had positive earnings in the past year.
  • In the past year NPB had a positive cash flow from operations.
NPB Yearly Net Income VS EBIT VS OCF VS FCFNPB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • NPB's Return On Assets of 1.02% is in line compared to the rest of the industry. NPB outperforms 56.23% of its industry peers.
  • NPB has a better Return On Equity (12.59%) than 83.55% of its industry peers.
Industry RankSector Rank
ROA 1.02%
ROE 12.59%
ROIC N/A
ROA(3y)0.81%
ROA(5y)N/A
ROE(3y)9.46%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
NPB Yearly ROA, ROE, ROICNPB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 29.63%, NPB is doing good in the industry, outperforming 72.68% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NPB has grown nicely.
  • NPB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.63%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y77.78%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
NPB Yearly Profit, Operating, Gross MarginsNPB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 2025 5 10 15 20 25

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2

2. NPB Health Analysis

2.1 Basic Checks

  • NPB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, NPB has more shares outstanding
  • The debt/assets ratio for NPB is higher compared to a year ago.
NPB Yearly Shares OutstandingNPB Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 2025 10M 20M 30M
NPB Yearly Total Debt VS Total AssetsNPB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of NPB is 2.35, which is a good value as it means it would take NPB, 2.35 years of fcf income to pay off all of its debts.
  • NPB's Debt to FCF ratio of 2.35 is in line compared to the rest of the industry. NPB outperforms 44.30% of its industry peers.
  • NPB has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • NPB has a Debt to Equity ratio (0.17) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.35
Altman-Z N/A
ROIC/WACCN/A
WACC12.2%
NPB Yearly LT Debt VS Equity VS FCFNPB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. NPB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 53.86% over the past year.
  • The Earnings Per Share has been growing by 74.83% on average over the past years. This is a very strong growth
  • Looking at the last year, NPB shows a very strong growth in Revenue. The Revenue has grown by 29.17%.
  • Measured over the past years, NPB shows a decrease in Revenue. The Revenue has been decreasing by -2.09% on average per year.
EPS 1Y (TTM)53.86%
EPS 3Y74.83%
EPS 5YN/A
EPS Q2Q%105.59%
Revenue 1Y (TTM)29.17%
Revenue growth 3Y-2.09%
Revenue growth 5YN/A
Sales Q2Q%49.28%

3.2 Future

  • Based on estimates for the next years, NPB will show a very strong growth in Earnings Per Share. The EPS will grow by 20.73% on average per year.
  • Based on estimates for the next years, NPB will show a quite strong growth in Revenue. The Revenue will grow by 10.04% on average per year.
EPS Next Y32.65%
EPS Next 2Y20.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.98%
Revenue Next 2Y10.04%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
NPB Yearly Revenue VS EstimatesNPB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
NPB Yearly EPS VS EstimatesNPB Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 1 2 3

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6

4. NPB Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.85, the valuation of NPB can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of NPB indicates a rather cheap valuation: NPB is cheaper than 89.66% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.53. NPB is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 6.67, the valuation of NPB can be described as very cheap.
  • NPB's Price/Forward Earnings ratio is rather cheap when compared to the industry. NPB is cheaper than 94.43% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of NPB to the average of the S&P500 Index (37.95), we can say NPB is valued rather cheaply.
Industry RankSector Rank
PE 8.85
Fwd PE 6.67
NPB Price Earnings VS Forward Price EarningsNPB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, NPB is valued a bit more expensive than the industry average as 64.19% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.48
EV/EBITDA N/A
NPB Per share dataNPB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • NPB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as NPB's earnings are expected to grow with 20.73% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y20.73%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. NPB Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.53%, NPB is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.53, NPB's dividend is way lower than its industry peers. On top of this 84.35% of the companies listed in the same industry pay a better dividend than NPB!
  • With a Dividend Yield of 0.53, NPB pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.53%

5.2 History

  • NPB is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
NPB Yearly Dividends per shareNPB Yearly Dividends per shareYearly Dividends per share 2025 2026 0.02 0.04 0.06 0.08

5.3 Sustainability

DPN/A
EPS Next 2Y20.73%
EPS Next 3YN/A
NPB Yearly Income VS Free CF VS DividendNPB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2022 2023 2024 2025 200M 400M 600M 800M 1B

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NPB Fundamentals: All Metrics, Ratios and Statistics

NORTHPOINTE BANCSHARES INC

NYSE:NPB (4/16/2026, 8:04:00 PM)

After market: 18.5 0 (0%)

18.5

-0.31 (-1.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-21
Inst Owners50.32%
Inst Owner Change0%
Ins Owners17.88%
Ins Owner Change7.44%
Market Cap638.07M
Revenue(TTM)241.72M
Net Income(TTM)71.62M
Analysts80
Price Target21.93 (18.54%)
Short Float %1.52%
Short Ratio1.4
Dividend
Industry RankSector Rank
Dividend Yield 0.53%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date04-15
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-9.94%
Min EPS beat(2)-15.53%
Max EPS beat(2)-4.35%
EPS beat(4)1
Avg EPS beat(4)-4.04%
Min EPS beat(4)-15.53%
Max EPS beat(4)6.63%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.32%
Min Revenue beat(2)-0.98%
Max Revenue beat(2)0.35%
Revenue beat(4)2
Avg Revenue beat(4)-0.81%
Min Revenue beat(4)-3.13%
Max Revenue beat(4)0.52%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)7.95%
EPS NQ rev (1m)2.46%
EPS NQ rev (3m)5.22%
EPS NY rev (1m)1.1%
EPS NY rev (3m)3.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.84%
Valuation
Industry RankSector Rank
PE 8.85
Fwd PE 6.67
P/S 2.64
P/FCF 15.48
P/OCF 14.41
P/B 1.12
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)2.09
EY11.3%
EPS(NY)2.77
Fwd EY14.99%
FCF(TTM)1.2
FCFY6.46%
OCF(TTM)1.28
OCFY6.94%
SpS7.01
BVpS16.5
TBVpS15.96
PEG (NY)0.27
PEG (5Y)N/A
Graham Number27.8542 (50.56%)
Profitability
Industry RankSector Rank
ROA 1.02%
ROE 12.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.63%
GM N/A
FCFM 17.06%
ROA(3y)0.81%
ROA(5y)N/A
ROE(3y)9.46%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y77.78%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.35
Debt/EBITDA N/A
Cap/Depr 99.64%
Cap/Sales 1.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 57.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC12.2%
ROIC/WACCN/A
Cap/Depr(3y)88.34%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.55%
Cap/Sales(5y)N/A
Profit Quality(3y)721.78%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.86%
EPS 3Y74.83%
EPS 5YN/A
EPS Q2Q%105.59%
EPS Next Y32.65%
EPS Next 2Y20.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)29.17%
Revenue growth 3Y-2.09%
Revenue growth 5YN/A
Sales Q2Q%49.28%
Revenue Next Year11.98%
Revenue Next 2Y10.04%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y119.81%
FCF growth 3Y-68.72%
FCF growth 5YN/A
OCF growth 1Y123.59%
OCF growth 3Y-68%
OCF growth 5YN/A

NORTHPOINTE BANCSHARES INC / NPB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for NORTHPOINTE BANCSHARES INC?

ChartMill assigns a fundamental rating of 4 / 10 to NPB.


What is the valuation status of NORTHPOINTE BANCSHARES INC (NPB) stock?

ChartMill assigns a valuation rating of 6 / 10 to NORTHPOINTE BANCSHARES INC (NPB). This can be considered as Fairly Valued.


How profitable is NORTHPOINTE BANCSHARES INC (NPB) stock?

NORTHPOINTE BANCSHARES INC (NPB) has a profitability rating of 3 / 10.


What is the financial health of NORTHPOINTE BANCSHARES INC (NPB) stock?

The financial health rating of NORTHPOINTE BANCSHARES INC (NPB) is 2 / 10.


What is the earnings growth outlook for NORTHPOINTE BANCSHARES INC?

The Earnings per Share (EPS) of NORTHPOINTE BANCSHARES INC (NPB) is expected to grow by 32.65% in the next year.