NPB Stock Overview

Operates as the bank holding company for Northpointe Bank provides various banking products and services in the United States. More details

NPB fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	4/6
Past Performance	3/6
Financial Health	4/6
Dividends	0/6

Rewards

Trading at 48.7% below our estimate of its fair value

Earnings are forecast to grow 33.26% per year

Earnings grew by 95.6% over the past year

Risk Analysis

Significant insider selling over the past 3 months

Northpointe Bancshares, Inc. Competitors

Capital Bancorp

NasdaqGS:CBNK

US$435.7m

CNB Financial

NasdaqGS:CCNE

US$428.9m

Farmers National Banc

NasdaqCM:FMNB

US$448.4m

Peapack-Gladstone Financial

NasdaqGS:PGC

US$435.6m

Price History & Performance

Summary of share price highs, lows and changes for Northpointe Bancshares
Historical stock prices
Current Share Price	US$12.71
52 Week High	US$14.98
52 Week Low	US$12.43
Beta	0
1 Month Change	-8.50%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-12.34%

Recent updates

Shareholder Returns

	NPB	US Banks	US Market
7D	-0.8%	3.9%	5.8%
1Y	n/a	10.6%	4.8%

Return vs Industry: Insufficient data to determine how NPB performed against the US Banks industry.

Return vs Market: Insufficient data to determine how NPB performed against the US Market.

Price Volatility

Is NPB's price volatile compared to industry and market?
NPB volatility
NPB Average Weekly Movement	5.2%
Banks Industry Average Movement	4.6%
Market Average Movement	7.7%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	4.1%

Stable Share Price: NPB has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine NPB's volatility change over the past year.

Community vs My Fair Value

Select a narrative for quick price alerts from the community, or create your own.

About the Company

Founded	Employees	CEO	Website
1998	496	Chuck Williams	www.northpointe.com

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. Fundamentals Summary

How do Northpointe Bancshares's earnings and revenue compare to its market cap?
NPB fundamental statistics
Market cap	US$436.01m
Earnings (TTM)	US$47.16m
Revenue (TTM)	US$185.77m

9.2x

P/E Ratio

0.9x

P/B Ratio

Is NPB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
NPB income statement (TTM)
Revenue	US$185.77m
Cost of Revenue	US$0
Gross Profit	US$185.77m
Other Expenses	US$138.60m
Earnings	US$47.16m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

Apr 22, 2025

Earnings per share (EPS)	1.37
Gross Margin	100.00%
Net Profit Margin	25.39%
Debt/Equity Ratio	281.7%

How did NPB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/04/14 07:58
End of Day Share Price	2025/04/11 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Northpointe Bancshares, Inc. is covered by 2 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Damon DelMonte	Keefe, Bruyette, & Woods
Crispin Love	Piper Sandler Companies