NPB logo

NORTHPOINTE BANCSHARES INC

NPBNYSE
πŸ† #2790 by market capEarnings Jan 18US Equity
$16.19β–² $0.43 (+2.73%)
πŸŒ… Pre-market$16.42β–² 1.42%Regular close Β· extended-hours price shown
πŸ””
Track NPB
Get earnings, price moves & breaking news on Telegram
Track
24hβ–² 2.7%
7dβ–² 4.9%
14dβ–² 3.5%
30dβ–² 9.1%
ytdβ–Ό 3.4%
1yβ–² 2.8%
🏦Market Cap
$560M
Small Cap
πŸ“ˆRevenue Growth (YoY)
20.7%
Healthy
πŸ“ŠGross Margin
43.3%
Healthy
πŸ’΅FCF Margin
2.0%
Thin
βš–οΈP/S Ratio
1.3x
Cheap
Otter Score
68
Fair

Trading Snapshot

Day Range
$15.74 – $16.22
52-Week Range
$13.80 – $19.71
Volume (shares)
429,895
Avg Volume (shares)
β€”
Shares Outstanding
34.6M
Next Earnings
2027-01-18

Fundamentals Snapshot

Annual Revenue
$471M
Last Q Revenue
$123M
P/E Ratio
7.5
P/S Ratio
1.3x
EPS (TTM)
$2.36
Dividend Yield
0.65%
Dilution (1yr)
+2.3%
NPB logo

NORTHPOINTE BANCSHARES INC

NPB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$471Mβ–² +20.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
50.9%β–² +5.9% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$110Mβ–² +51.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$42Mβ–² +121.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
35.1Mβ–² +2.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$1.0Bβ–Ό βˆ’$114M YoY
StockOtter Β· stockotter.space

About NORTHPOINTE BANCSHARES INC

Northpointe Bancshares, Inc. serves as the parent company for Northpointe Bank, offering a broad spectrum of financial products and banking services throughout the United States. The organization's activities are structured into two main divisions: its Mortgage Purchase Program and Retail Banking. Customers can access digital deposit solutions such as non-interest-bearing accounts, savings accounts, money market demand accounts, and certificates of deposit. Furthermore, the company extends services to individual and business clients, provides health savings accounts, facilitates home financing, manages a dedicated mortgage purchase program, engages in residential mortgage lending, and offers custodial deposit services. Founded in 1998, Northpointe Bancshares, Inc. is based in Grand Rapids, Michigan.

🦦

Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Ratings

β“˜
Consensus
Buy
7 analysts
Strong Buy1
Buy4
Hold2
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

The Motley FoolΒ·11h ago

Northpointe: 3 Key Takeaways for Long-Term Investors

Northpointe agreed to sell its residential mortgage origination channels to CMG. Mortgage Purchase Program balances grew by $262.7 million from last quarter.

Business WireΒ·1d ago

Northpointe Bancshares, Inc. Announces Completion of Definitive Agreement with CMG to Sell Mortgage Origination Channels

GRAND RAPIDS, Mich.--(BUSINESS WIRE)---- $NPB #PublicRelations--Northpointe Bancshares, Inc. Announces Completion of Definitive Agreement with CMG to Sell Mortgage Origination Channels.

Business WireΒ·2d ago

Northpointe Bancshares, Inc. Announces Common Stock Repurchase Program

GRAND RAPIDS, Mich.--(BUSINESS WIRE)-- #InvestorRelations--Northpointe Bancshares announced today that its Board of Directors authorized a new common stock repurchase program.

Seeking AlphaΒ·7d ago

Northpointe Bancshares, Inc. (NPB) Q3 2026 Earnings Call Transcript

Northpointe Bancshares, Inc. ( NPB ) Q3 2026 Earnings Call October 21, 2026 10:00 AM EDT Company Participants Bradley Howes - Executive VP & CFO Charles Williams - Founder, Chairman & CEO Kevin Comps - President & Secret

MarketBeatΒ·7d ago

Northpointe Bancshares Q3 Earnings Call Highlights

Northpointe Bancshares NYSE: NPB reported third-quarter net income of $13.9 million, or $0.39 per diluted share, while outlining a planned exit from its distributed retail and consumer direct mortgage origination channel

Seeking AlphaΒ·7d ago

Q3 Appears To Be A Transition Period For Northpointe Bancshares (Downgrade)

Northpointe Bancshares, Inc. reported Q3 2026 EPS of $0.39, missing consensus and reflecting asset fair value declines and isolated deposit fraud. I downgrade NPB to Hold, citing persistent headwinds in the U.S. housing