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Company Analysis

Northpointe Bancshares, Inc. NPB

A comprehensive view of key metrics, scores, and financial health for Northpointe Bancshares, Inc.

Overview of Northpointe Bancshares, Inc.

NPB NYQ
Financial Services Banks - Regional Small Cap
Northpointe Bancshares, Inc. (NPB), is a Small Cap company, in the Banks - Regional industry, last closed at $17.54, about 4.8% undervalued vs fair value, +19.8% 1Y return, ranked 566/1004 in sector.
$17.54
-1.57%
As of March 13, 2026
Previous close • Vol 90d: 29.8%
52-Week Range
Market Cap
$626.07M
Enterprise Value
$1.67B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.northpointe.com
HQ Grand Rapids, MI
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$10
$18
$34
Current: $17.54 +5% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$317.5M
18.8%%
Interest Expense
$229.5M
Net Interest Income
$114.2M
12.8%%
Total Revenue
$471.2M
151.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.2%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$23.9M
50.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Northpointe Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
36
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
52
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NPB's balance between Growth (37.9%), Profitability (28.5%), and Safety (33.6%). Growth 38% Safety 34% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

85th percentile vs peers
85
Key Signals
Rev Growth YoY 1.52 93p Asset Growth YoY 34.4% 93p Revenue CAGR 3Y 22.3% 65p
Strengths
  • Growth performance in top 20% of peers (percentile: 85)
  • Rev Growth Yoy in top 20% of peers (1.52, 93th percentile)
  • Asset Growth Yoy in top 20% of peers (34.4%, 93th percentile)
  • Roe in top 20% of peers (12.3%, 80th percentile)
  • Roe in top 20% of peers (12.3%, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

64th percentile vs peers
64
Key Signals
Strengths
Risks
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Safety

75th percentile vs peers
75
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Northpointe Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$18.39
- - -
+4.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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