Price Alert

Northpointe Bancshares In... (NPB)

NYSE: NPB · Real-Time Price · USD

16.18

-0.17 (-1.04%)

At close: Aug 15, 2025, 3:59 PM

16.19

0.06%

After-hours: Aug 15, 2025, 05:29 PM EDT

Northpointe Bancshares Statistics

Share Statistics

Northpointe Bancshares has 34.36M shares outstanding. The number of shares has increased by null% in one year.

Shares Outstanding	34.36M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Institutions (%)	39.65%
Shares Floating	n/a
Failed to Deliver (FTD) Shares	1,254
FTD / Avg. Volume	0.86%

Short Selling Information

The latest short interest is 708.25K, so 2.06% of the outstanding shares have been sold short.

Short Interest	708.25K
Short % of Shares Out	2.06%
Short % of Float	3.18%
Short Ratio (days to cover)	4.48

Valuation Ratios

The PE ratio is 9.02 and the forward PE ratio is 5.42. Northpointe Bancshares's PEG ratio is 0.06.

PE Ratio	9.02
Forward PE	5.42
PS Ratio	1.27
Forward PS	1.9
PB Ratio	1.08
P/FCF Ratio	26.52
PEG Ratio	0.06

Financial Ratio History

Enterprise Valuation

Northpointe Bancshares has an Enterprise Value (EV) of 1.42B.

EV / Sales	3.65
EV / EBITDA	18.57
EV / EBIT	71.88
EV / FCF	75.91

Financial Position

The company has a current ratio of 0.11, with a Debt / Equity ratio of 2.82.

Current Ratio	0.11
Quick Ratio	0.11
Debt / Equity	2.82
Debt / EBITDA	16.99
Debt / FCF	69.45
Interest Coverage	0.36

Financial Efficiency

Return on Equity is 11.93% and Return on Invested Capital is 2.82%.

Return on Equity	11.93%
Return on Assets	1.06%
Return on Invested Capital	2.82%
Revenue Per Employee	$795.22K
Profits Per Employee	$112.34K
Employee Count	491
Asset Turnover	0.07
Inventory Turnover	n/a

Taxes

Income Tax	17.72M
Effective Tax Rate	24.31%

Stock Price Statistics

The stock price has increased by null% in the last 52 weeks. The beta is 0.14, so Northpointe Bancshares's price volatility has been higher than the market average.

Beta	0.14
52-Week Price Change	n/a
50-Day Moving Average	14.15
200-Day Moving Average	n/a
Relative Strength Index (RSI)	53.63
Average Volume (20 Days)	145,711

Income Statement

In the last 12 months, Northpointe Bancshares had revenue of 390.45M and earned 55.16M in profits. Earnings per share was 1.83.

Revenue	390.45M
Gross Profit	187.47M
Operating Income	72.88M
Net Income	55.16M
EBITDA	76.68M
EBIT	72.88M
Earnings Per Share (EPS)	1.83

Full Income Statement

Balance Sheet

The company has 376.3M in cash and 1.3B in debt, giving a net cash position of -926.39M.

Cash & Cash Equivalents	376.3M
Total Debt	1.3B
Net Cash	-926.39M
Retained Earnings	295.97M
Total Assets	n/a
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 19.81M and capital expenditures -1.05M, giving a free cash flow of 18.76M.

Operating Cash Flow	19.81M
Capital Expenditures	-1.05M
Free Cash Flow	18.76M
FCF Per Share	0.55

Full Cash Flow Statement

Margins

Gross margin is 48.01%, with operating and profit margins of 18.66% and 14.13%.

Gross Margin	48.01%
Operating Margin	18.66%
Pretax Margin	18.66%
Profit Margin	14.13%
EBITDA Margin	19.64%
EBIT Margin	18.66%
FCF Margin	4.8%

Dividends & Yields

NPB does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Payout Ratio	n/a
Earnings Yield	11.09%
FCF Yield	3.77%

Dividend Details

Analyst Forecast

The average price target for NPB is $17.75, which is 18.8% higher than the current price. The consensus rating is "Buy".

Price Target	$17.75
Price Target Difference	18.8%
Analyst Consensus	Buy
Analyst Count	2

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	22.08
Graham Upside	47.79%

Scores

Altman Z-Score	n/a
Piotroski F-Score	n/a