NPB Financial Services

Northpointe Bancshares, Inc.

$15.75-0.88%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 544.7M USD
Full-time employees: 483

Overall health

Strength: more profitable than most peersmore profitable than peers
Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Ranks #69 of 791 banks & insurance companies (top 9%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Fast revenue growth. Revenue grew 29% in the 12 months to June 2026 vs the 12 months before, faster than 87% of peers.
Revenue grew 29% in the 12 months to June 2026 vs the 12 months before, faster than 87% of its peers.

StockQuotient Score

73/ 100

Oct 5 74 → Nov 4 73 (-1)

Valuation

Is the price right?

86/100

Strong

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Stronger than most peers on:

▲ Earnings yield
▲ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield112.3%

SEC filings · latest balance sheetReported value40% base weight · Z-score 1.15Sector median: 0.7950 · MAD: 0.2843

Earnings yield16.5%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 3.39Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield18.7%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

71/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth32.5%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 0.93Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth-2.1%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth29.2%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

63/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.2%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.03Sector median: 0.0117 · MAD: 0.0062

Return on equity14.7%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 1.01Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Northpointe Bancshares

Is Northpointe Bancshares getting weaker?: Its latest SEC filing (Aug 13, 2026) showed no major changes. Its overall score is unchanged at 73/100 since Oct 28, 2026.
How is Northpointe Bancshares valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 86/100 against 950 banks & insurance peers. Earnings yield 16.5% vs a peer median of 7.9% (stronger than 90% of peers).Earnings yield 16.5% vs peers 7.9% (stronger than 90% of peers).
Is Northpointe Bancshares growing?: Yes, faster than most of its peers. Growth scores 71/100 against 950 banks & insurance peers. Earnings per share growth 32.5% vs a peer median of 16.0% (stronger than 71% of peers).Earnings per share growth 32.5% vs peers 16.0% (stronger than 71% of peers).
How profitable is Northpointe Bancshares?: More profitable than most of its peers. Profitability scores 63/100 against 950 banks & insurance peers. Return on equity 14.7% vs a peer median of 10.7% (stronger than 74% of peers).Return on equity 14.7% vs peers 10.7% (stronger than 74% of peers).
How risky is Northpointe Bancshares?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 13, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Net income (12 months)	88.3M USD	89.7M USD	+1.6%
Free cash flow (12 months)	24.7M USD	101.8M USD	+312.3%
Cash	487.6M USD	538.4M USD	+10.4%
Shares outstanding	34.6M	34.6M	0.0%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	0.7%	1.1%	1.2%	▲ 0.1 pts
Return on equity (ROE)	7.8%	11.9%	14.7%	▲ 2.7 pts

NPB price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Ranks #69 of 791 banks & insurance companies (top 9%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Northpointe Bancshares

Is Northpointe Bancshares getting weaker?

Its latest SEC filing (Aug 13, 2026) showed no major changes. Its overall score is unchanged at 73/100 since Oct 28, 2026.

How is Northpointe Bancshares valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 86/100 against 950 banks & insurance peers. Earnings yield 16.5% vs a peer median of 7.9% (stronger than 90% of peers).Earnings yield 16.5% vs peers 7.9% (stronger than 90% of peers).

Is Northpointe Bancshares growing?

Yes, faster than most of its peers. Growth scores 71/100 against 950 banks & insurance peers. Earnings per share growth 32.5% vs a peer median of 16.0% (stronger than 71% of peers).Earnings per share growth 32.5% vs peers 16.0% (stronger than 71% of peers).

How profitable is Northpointe Bancshares?

More profitable than most of its peers. Profitability scores 63/100 against 950 banks & insurance peers. Return on equity 14.7% vs a peer median of 10.7% (stronger than 74% of peers).Return on equity 14.7% vs peers 10.7% (stronger than 74% of peers).

How risky is Northpointe Bancshares?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Net income (12 months)

88.3M USD

89.7M USD

+1.6%

Free cash flow (12 months)

24.7M USD

101.8M USD

+312.3%

Cash

487.6M USD

538.4M USD

+10.4%

Shares outstanding

34.6M

34.6M

0.0%

Key ratios

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

0.7%

1.1%

1.2%

▲ 0.1 pts

Return on equity (ROE)

7.8%

11.9%

14.7%

▲ 2.7 pts