Northpointe Bancshares Inc
NPB NYSE· State Commercial Banks
Last close · Oct 23, 2026
$15.44
KIRA · Stoqly’s AI analyst, in plain words
- Northpointe Bancshares Inc had $242M of revenue in fiscal 2025, up 29.2% on the year before.
- Northpointe Bancshares Inc made $83.4M of net profit in fiscal 2025. From fiscal 2023 to 2025, diluted EPS grew 50.6% a year.
- Northpointe Bancshares Inc returned $3.2M to shareholders in fiscal 2025, 8% of free cash flow. The diluted share count rose 31.1%.
- It earned 16.2% on shareholders’ money. Running costs took 53.5% of revenue (the efficiency ratio; lower is better).
Market cap
$547M
P/E
6.6x
Revenue
$242M
Net income
$83.4M
Return on equity
16.2%
Efficiency ratio
53.5%
Northpointe Bancshares Inc in 30 seconds · fiscal 2025
Are sales growing?
+29.2%
Yes. Sales grew 29.2% last year.
Does it make a profit?
34.5%
Yes. It keeps 34.5% of every sale as profit.
How lean are its costs?
53.5%
Lean. Running costs take 53.5% of revenue.
How much does it earn on its capital?
16.2%
Good. It earns 16.2% a year on shareholders’ money.
How is the share priced?
6.6x
One share costs 6.6 times its yearly profit per share.
What Northpointe Bancshares Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 27, 2026
- Legal name
- NORTHPOINTE BANCSHARES INC
- CIK
- 0001336706
Northpointe Bancshares Inc · NPB
Results and finances
The last 3 fiscal years. Amounts in USD.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Sales and profit | |||
| Revenue | $196M | $187M | $242M |
| Revenue growth | — | −4.7% | 29.2% |
| Net interest income | $101M | $114M | $151M |
| Net income | $33.8M | $55.2M | $83.4M |
| Net margin | 17.2% | 29.5% | 34.5% |
| Diluted EPS | $0.93 | $1.83 | $2.11 |
| Cash | |||
| Cash from operations | $504M | $19.8M | $44.3M |
| Capital expenditure | $2.8M | $1.1M | $2.8M |
| Free cash flow | $501M | $18.8M | $41.5M |
| FCF margin | 255.4% | 10.0% | 17.2% |
| Dividends paid | $2.6M | $2.6M | $3.2M |
| Share buybacks | $0.6M | $0.8M | $0.0M |
| Share count change | — | 0.1% | 31.1% |
| Debt and strength | |||
| Cash and short-term investments | $352M | $376M | $496M |
| Loans, net | $3.8B | $4.4B | $6.0B |
| Deposits | $2.9B | $3.4B | $4.9B |
| Shareholders' equity | $431M | $462M | $569M |
| Returns and quality | |||
| Return on equity | 7.8% | 12.4% | 16.2% |
| Return on tangible equity | 5.7% | 10.2% | 12.6% |
| Efficiency ratio | 78.0% | 61.2% | 53.5% |
Insiders bought, 12 months
$4.3M
3 insiders
Insiders sold, 12 months
$1.8M
3 insiders
Of sales under plans
29%
$0.5M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Northpointe Bancshares Inc · NPB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $15.44 a share, the company is worth $547M: 6.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001336706). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.