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NORTHPOINTE BANCSHARES INC

Data quality: 83%

NPB

NYSE Financial Services Depository Institutions

$18.60

▼ $0.15 (-0.80%)

Mkt Cap: 643.66 M

Price

$18.66

Mkt Cap

643.66 M

Day Range

—

52-Week Range

—

Volume

—

Open —

50D / 200D Avg

—

50D / 200D Avg

—

Quick Summary

Key Takeaways

Earnings grew 51.22% over the past year

ROE of 13.59% — decent returns on equity

Generating 41.53 M in free cash flow

P/E of 7.72 — trading at a low valuation

Growth

Revenue Growth (5Y)

N/A

Revenue (1Y)N/A

Earnings (1Y)51.22%

FCF Growth (3Y)N/A

Quality

Return on Equity

13.59%

Above sector avg (9.23%)

ROICN/A

Net MarginN/A

Op. MarginN/A

Safety

Debt / Equity

N/A

Current RatioN/A

Interest CoverageN/A

Valuation

PE (TTM|NTM|2027)

7.72 | 6.17 | 6.19

Below sector avg (11.11)

P/B Ratio1.03

EV/EBITDAN/A

Dividend Yield0.54%

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2698 peers)

Metric	Stock	Sector Median
P/E	7.7	11.1
P/B	1.0	1.2
ROE %	13.6	9.2
Net Margin %	—	9.4
Rev Growth 5Y %	—	5.8
D/E	—	0.5

Analyst Price Target

2 analysts

Strong Buy

Current

$18.60

+15.6%

Target

$21.50

$21.00

$21.50

$22.00

Forecast

Forward P/E 6.17

Forward EPS $3.02

EPS Growth (est.) +9.8%

Est. Revenue 291.23 M

Earnings Estimates

Period	EPS Est.	Revenue Est.	Analysts
FY2027	$3.02 $3.00 – $3.03	291.23 M	2
FY2026	$2.75 $2.70 – $2.79	270.90 M	2

Period	EPS Est.	Revenue Est.	Analysts
2026 Q2	$0.69 $0.67 – $0.70	67.79 M	2
2026 Q1	$0.63 $0.58 – $0.67	63.76 M	2

Earnings Surprises

Last 4 quarters

Quarter	Est. EPS	Actual EPS	Surprise
Q42025	$0.60	$0.52	-13.8%
Q32025	$0.56	$0.57	+1.8%
Q22025	$0.51	$0.51	+1.0%
Q12025	$0.46	$0.49	+7.7%

ETFs Holding This Stock

RMBLX RMBLX

1.20% weight

RMBNX RMBNX

1.20% weight

RMBKX RMBKX

1.20% weight

HRNIX HRNIX

0.68% weight

AMAJX AMAJX

0.53% weight

AMAHX AMAHX

0.53% weight

AMAEX AMAEX

0.53% weight

AMALX AMALX

0.53% weight

AMAKX AMAKX

0.53% weight

AMAFX AMAFX

0.53% weight

Dividend History

1 yr streak

Yield

0.54%

Payout Ratio

4.74%

Growth (3Y)

N/A

Growth (5Y)

N/A

Ex-Date	Payment Date	Amount	Yield
Jan 15, 2026	—	$0.03	N/A
Oct 15, 2025	—	$0.03	N/A
Jul 15, 2025	—	$0.03	N/A
Apr 15, 2025	—	$0.03	N/A

All Fundamental Metrics

Growth
Revenue Growth (1Y)	N/A	Revenue Growth (3Y)	N/A
Earnings Growth (1Y)	51.22%	Earnings Growth (3Y)	N/A
Revenue Growth (5Y)	N/A	Earnings Growth (5Y)	N/A
Profitability
Revenue (TTM)	N/A	Net Income (TTM)	83.41 M
ROE	13.59%	ROA	1.26%
Gross Margin	N/A	Operating Margin	N/A
Net Margin	N/A	Free Cash Flow (TTM)	41.53 M
ROIC	N/A	FCF Growth (3Y)	N/A
Safety
Debt / Equity	N/A	Current Ratio	N/A
Interest Coverage	N/A	Asset Turnover	N/A
Working Capital	N/A	Tangible Book Value	621.87 M
Dividends
Dividend Yield	0.54%	Payout Ratio	4.74%
Dividend Growth (3Y)	N/A	Dividend Growth (5Y)	N/A
Consecutive Div Years	1 yrs
Valuation
P/E Ratio	7.72	Forward P/E	6.17
P/B Ratio	1.03	P/S Ratio	N/A
PEG Ratio	N/A	Forward PEG	0.63
EV/EBITDA	N/A	Fwd EV/EBITDA	N/A
Forward P/S	2.21	Fwd Earnings Yield	16.21%
FCF Yield	6.45%
Market Cap	643.66 M	Enterprise Value	224.50 M
Per Share
EPS (Diluted TTM)	2.11	Revenue / Share	N/A
FCF / Share	1.20	OCF / Share	1.28
EPS CAGR (1Y)	15.30%	EPS CAGR (5Y)	N/A
EPS CAGR (10Y)	N/A
Efficiency
CapEx / Revenue	N/A	FCF Conversion	49.79%
SBC-Adj. FCF	N/A	Growth Momentum	N/A

Income Statement

Annual, most recent first

Metric	FY2025	FY2024
Revenue	—	—
Net Income	83.41 M	55.16 M
EPS (Diluted)	2.11	1.83
Gross Profit	—	—
Operating Income	—	—
EBITDA	—	—
R&D Expenses	—	—
SG&A Expenses	—	—
D&A	—	—
Interest Expense	150.74 M	114.22 M
Income Tax	26.98 M	17.72 M

Balance Sheet

Annual, most recent first

Metric	FY2025	FY2024
Total Assets	7.02 B	5.22 B
Total Liabilities	6.45 B	4.76 B
Shareholders' Equity	569.04 M	462.49 M
Total Debt	—	—
Cash & Equivalents	496.46 M	376.30 M
Current Assets	—	—
Current Liabilities	—	—