Northpointe Bancshares Inc
NPB NYSE State Commercial Banks Financials FY2023–FY2025
Last close · Oct 23, 2026
$15.44
0.1%What Northpointe Bancshares Inc does
No business description yet.
- Legal name
- NORTHPOINTE BANCSHARES INC
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 27, 2026
- Accession · CIK
- 0001336706-26-000020
0001336706
Revenue and margins
Northpointe Bancshares Inc had $242M of revenue in fiscal 2025, up 29.2% on the year before.
Net income and earnings per share
From fiscal 2023 to 2025, diluted EPS grew 50.6% a year. Loss periods are shown in red.
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
Dividends, buybacks and share count
Northpointe Bancshares Inc returned $3.2M to shareholders in fiscal 2025, 8% of free cash flow. The diluted share count rose 31.1%.
Balance sheet
Loans, deposits and capital at each fiscal year end.
| Fiscal year end | FY23 | FY24 | FY25 |
|---|---|---|---|
| Loans, net | $3.8B | $4.4B | $6.0B |
| Deposits | $2.9B | $3.4B | $4.9B |
| Loans / deposits | 128.8% | 129.0% | 123.4% |
| Total assets | $4.8B | $5.2B | $7.0B |
| Shareholders' equity | $431M | $462M | $569M |
| Intangible assets | $4.5M | $2.1M | $1.5M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
3 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Income statement | |||
| Revenue | $196M | $187M | $242M |
| Net interest income | $101M | $114M | $151M |
| Noninterest income | $95.1M | $72.9M | $91.0M |
| Noninterest expense | $153M | $115M | $129M |
| Pretax income | $44.7M | $72.9M | $110M |
| Income tax | $10.9M | $17.7M | $27.0M |
| Net income | $33.8M | $55.2M | $83.4M |
| Net income to common | $24.1M | $47.2M | $71.6M |
| Diluted EPS | $0.93 | $1.83 | $2.11 |
| Diluted shares | 0.03B | 0.03B | 0.03B |
| Cash flow | |||
| Cash from operations | $504M | $19.8M | $44.3M |
| Capital expenditure | $2.8M | $1.1M | $2.8M |
| Free cash flow | $501M | $18.8M | $41.5M |
| Depreciation and amortization | $3.0M | $2.8M | $2.5M |
| Share buybacks | $0.6M | $0.8M | $0.0M |
| Dividends paid | $2.6M | $2.6M | $3.2M |
| Dividends and buybacks | $3.2M | $3.3M | $3.2M |
| Balance sheet | |||
| Cash and short-term investments | $352M | $376M | $496M |
| Loans, net | $3.8B | $4.4B | $6.0B |
| Deposits | $2.9B | $3.4B | $4.9B |
| Property and equipment, net | $29.3M | $27.3M | $27.6M |
| Intangible assets | $4.5M | $2.1M | $1.5M |
| Total assets | $4.8B | $5.2B | $7.0B |
| Total liabilities | $4.3B | $4.8B | $6.5B |
| Shareholders' equity | $431M | $462M | $569M |
| Margins | |||
| Net margin | 17.2% | 29.5% | 34.5% |
| FCF margin | 255.4% | 10.0% | 17.2% |
| Net interest share of revenue | 51.6% | 61.0% | 62.4% |
| Efficiency ratio | 78.0% | 61.2% | 53.5% |
| Returns | |||
| Return on equity | 7.8% | 12.4% | 16.2% |
| Return on assets | 0.7% | 1.1% | 1.4% |
| Return on tangible equity | 5.7% | 10.2% | 12.6% |
| Growth | |||
| Revenue growth | — | −4.7% | 29.2% |
| Net income growth | — | 63.4% | 51.2% |
| EPS growth | — | 96.8% | 15.3% |
| FCF growth | — | −96.3% | 121.4% |
| Share count change | — | 0.1% | 31.1% |
| Financial health | |||
| Loans / deposits | 128.8% | 129.0% | 123.4% |
| Capital allocation | |||
| Capex / revenue | 1.4% | 0.6% | 1.1% |
| Payouts / FCF | 0.6% | 17.8% | 7.8% |
| Quality scores | |||
| Accruals ratio | −9.9% | 0.7% | 0.6% |
Source: SEC EDGAR XBRL filings (CIK 0001336706). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.