NPB · Northpointe Bancshares Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - |
| D&A | $594.0K | - | $697.0K | $716.0K | $736.0K | - | - | - |
| Operating Income | $29.43M | - | $29.17M | $26.65M | $16.21M | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - |
| Income Tax | $7.27M | - | $7.00M | $6.31M | $3.96M | - | - | - |
| Net Income | $22.15M | - | $22.17M | $13.22M | $12.25M | - | - | - |
| EPS - Basic | $0.63 | - | $0.67 | $0.44 | $0.38 | - | - | - |
| EPS - Diluted | $0.62 | - | $0.57 | $0.51 | $0.38 | - | - | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $487.62M | $496.46M | $419.16M | $415.66M | $321.50M | $376.30M | $351.89M | $274.23M |
| Accounts Receivable | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - |
| Total Assets | $7.40B | $7.02B | $5.39B | $5.22B | $4.87B | $5.22B | $4.76B | - |
| Current Liabilities | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - |
| Total Liabilities | $6.81B | $6.45B | $6.22B | $5.83B | $5.27B | $4.76B | $4.33B | - |
| Stockholders' Equity | $589.99M | $569.04M | $454.78M | $445.78M | $586.52M | $462.49M | $430.62M | $417.31M |
| Retained Earnings | $385.21M | $364.37M | $346.83M | $327.56M | $310.37M | $295.97M | $251.38M | - |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $37.69M | - | - | - | ($939.0K) | - | - | - |
| Investing Cash Flow | ($388.84M) | - | - | - | ($188.65M) | - | - | - |
| Financing Cash Flow | $342.31M | - | - | - | $82.45M | - | - | - |
| CapEx | $417.0K | - | - | - | $557.0K | - | - | - |
| Free Cash Flow | $37.27M | - | - | - | ($1.50M) | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||
| Gross margin | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.68 | - | - | - | -0.12 | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - |
| Effective tax rate | 24.7% | - | 24.0% | 32.3% | 24.4% | - | - | - |
| Return on assets | 0.3% | - | 0.4% | 0.3% | 0.3% | - | - | - |
| Return on equity | 3.8% | - | 4.9% | 3.0% | 2.1% | - | - | - |
| Return on invested capital | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||
| Current ratio | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - |
| Leverage | ||||||||
| Debt / Equity | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - |
| Equity multiplier | 12.54 | 12.34 | 11.84 | 11.72 | 8.30 | 11.30 | 11.05 | - |
| Liabilities / Assets | 0.92 | 0.92 | 1.15 | 1.12 | 1.08 | 0.91 | 0.91 | - |
| Efficiency | ||||||||
| Asset turnover | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - |
| Valuation | ||||||||
| P / E | 27.8x | - | 30.0x | 26.9x | 38.0x | - | - | - |
| P / B | 1.0x | - | 1.0x | 0.8x | 0.6x | - | - | - |
| P / S | - | - | - | - | - | - | - | - |
| EV / EBITDA | 4.0x | - | 0.7x | -2.3x | 3.0x | - | - | - |
| Growth | ||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 81.5% | - | - | - | - | - | - | - |
| Net income growth (YoY) | 80.8% | - | - | - | - | - | - | - |
| EPS growth (YoY) | 63.2% | - | - | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 0.6% | 23.0% | - | - | - | 7.4% | 3.2% | - |
Peer comparison
Same SIC group: State Commercial Banks
Comparing NORTHPOINTE BANCSHARES INC against the 5 most active filers in the same SIC group.
Dividends
$0.10/share trailing 12 months · +300.0% YoY
| Ex-date | Per share |
|---|---|
| Apr 15, 2026 | $0.0250 |
| Jan 15, 2026 | $0.0250 |
| Oct 15, 2025 | $0.0250 |
| Jul 15, 2025 | $0.0250 |
| Apr 15, 2025 | $0.0250 |