YOLFTbeta
Northpointe Bancshares, Inc.

Northpointe Bancshares, Inc.

NPB · NYSE · Financial Services / Banks - Regional

15.43USD-0.01 (-0.06%)

Price History

Full chart

Market Stats

Previous Close15.44
Open15.52
Day Range15.31 – 15.77
52-Week Range15.09 – 19.68
Volume127.24K
Market Cap531.52M
P/E (TTM)6.63
Forward P/E0.00
EPS2.32
Dividend Yield0.65%
50-Day Avg17.15
200-Day Avg17.60

About

Northpointe Bancshares, Inc. operates as the bank holding company for Northpointe Bank provides various banking products and services in the United States. It operates through two segments: Mortgage Purchase Program and Retail Banking. The company offers digital deposit banking, such as noninterest-bearing accounts, savings, money-market demand accounts, and certificates of deposits; personal and business banking; and health saving accounts; home loans; mortgage purchase program; residential mortgage lending; and custodial deposit services. Northpointe Bancshares, Inc. was incorporated in 1998 and is headquartered in Grand Rapids, Michigan.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Charles A. Williams
  • Employees483
  • Headquarters3333 Deposit Drive Northeast, Grand Rapids, MI, United States, 49546-1467, USA
  • Websitehttps://www.northpointe.com

Leadership

  • Mr. Charles A. WilliamsFounder, Chairman & CEO · b. 1963
  • Mr. Kevin J. CompsPresident & Secretary · b. 1982
  • Mr. David J. ChristelPresident of Mortgage Purchase Program - Northpointe Bank · b. 1966
  • Mr. Bradley T. HowesExecutive VP & CFO · b. 1980

Financials

Income Statement

Currency: USD2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue36.17M2.17M324.24M362.45M390.45M471.18M
Growth (%)--94.00%+14852.26%+11.78%+7.73%+20.68%
Cost of Revenue-1.14M68.90M164.68M202.99M231.56M
Gross Profit36.17M1.02M255.34M197.77M187.47M239.62M
Gross Margin100.00%47.25%78.75%54.57%48.01%50.86%
Operating Expense32.52M52.05M221.65M153.08M114.59M129.23M
Operating Income3.65M-51.03M33.69M44.69M72.88M110.39M
Operating Margin10.08%-2353.06%10.39%12.33%18.66%23.43%
EBITDA11.89M-56.67M37.71M48.70M76.68M113.47M
EBITDA Margin32.88%-2613.50%11.63%13.44%19.64%24.08%
Net Income11.04M-57.44M23.24M33.76M55.16M83.41M
Net Income Margin30.53%-2648.70%7.17%9.31%14.13%17.70%
R&D23.09M29.88M155.51M114.36M158.90M-
R&D as % of Total Revenue63.83%1377.95%47.96%31.55%40.70%-
Interest Expense22.44K-66.69M166.16M203.32M229.47M
Interest Expense % of Total Revenue0.06%-20.57%45.84%52.07%48.70%

Balance Sheet

Currency: USD2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets968.50M878.74M4.07B2.61B5.22B7.02B
Total Liabilities108.05M163.42M1.16B894.81M4.76B6.45B
Total Equity860.45M715.33M2.91B1.72B462.49M569.04M
Cash727.66M552.80M3.21B2.14B376.30M496.46M
Total Debt2.08M17.64M74.98M133.87M1.30B1.54B
Net Debt-725.58M-535.16M-3.14B-2.01B926.39M1.04B

Cash Flow

Currency: USD2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow62.81M-150.88M-79.52M-24.11M19.81M44.29M
Investing Cash Flow-29.25M-112.76M255.90M-222.41M-458.24M-1.63B
Financing Cash Flow498.46M92.09M-354.76M324.17M462.83M1.71B
Capital Expenditure1.16M4.64M3.39M2.81M1.05M2.77M
Free Cash Flow61.65M-155.52M-82.91M-26.92M18.76M41.53M
Dividends Paid--17.41M12.22M11.58M11.43M
FCF to OCF98.15%103.08%104.27%111.65%94.69%93.76%
Dividend Paid to FCF---21.00%-45.41%61.74%27.53%

Earnings

Report DateMar 28, 2025Apr 22, 2025Jul 22, 2025Oct 21, 2025Jan 20, 2026Apr 21, 2026Jul 21, 2026Oct 20, 2026
EPS Estimate0.340.460.510.560.600.630.680.62
EPS Actual0.340.490.510.570.520.620.60-
Surprise0.00%6.52%0.00%1.79%-13.33%-1.59%-11.76%-
Timing-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap531.52M
Enterprise Value1.62B
Trailing P/E6.63
Forward P/E0.00
Price / Sales2.07
Price / Book0.88
EPS2.32
Book Value17.69
Revenue (TTM)257.25M
Gross Profit (TTM)257.25M
Profit Margin34.88%
Operating Margin45.06%
Return on Equity14.76%
Return on Assets1.29%
Shares Outstanding34.58M
Shares Float13.38M
Dividend Yield0.65%
Dividend Rate0.10
Payout Ratio4.33%

Analyst Ratings

Buy
Based on 2 analystsTarget 20.38
  • Buy
    2

Ownership Breakdown

Institutions
75.89%
Insiders
33.24%
Retail / Other
0.00%

Top Institutional Holders

  • Wellington Management Company LLP
    3.65M10.56%
  • Adage Capital Partners Gp LLC
    2.84M8.21%
  • BlackRock Inc
    1.39M4.02%
  • Boston Partners Global Investors, Inc
    1.25M3.60%
  • Morgan Stanley - Brokerage Accounts
    1.01M2.92%
  • Vanguard Capital Management, LLC
    926.04K2.68%
  • Hotchkis & Wiley Capital Management LLC
    737.37K2.13%
  • American Century Companies Inc
    684.13K1.98%
  • Maltese Capital Management LLC
    497.60K1.44%
  • Algebris Investment Management (UK) LLP
    471.91K1.36%
  • Two Sigma Investments LLC
    464.36K1.34%
  • The Goldman Sachs Group Inc
    399.10K1.15%
  • Geode Capital Management, LLC
    360.78K1.04%
  • Jacobs Asset Management, LLC
    350.00K1.01%
  • State Street Corp
    334.93K0.97%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    764.58K2.21%
  • Avantis US Small Cap Value ETF
    638.11K1.85%
  • Algebris Financial Equity BM EUR Acc
    556.32K1.61%
  • iShares Russell 2000 ETF
    546.80K1.58%
  • Column Small Cap Select
    416.69K1.20%

Dividends

20264×
0.03Oct 15, 20260.03Jul 15, 20260.03Apr 15, 20260.03Jan 15, 2026
20253×
0.03Oct 15, 20250.03Jul 15, 20250.03Apr 15, 2025