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    Northpointe Bancshares, Inc. (NPB)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $15.54
    -0.28 (-1.77%)

    Market Cap: $537.40M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    57%(4/7)
    Avg Surprise
    -2.63%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.61
    Range$0.60 - $0.63
    3 analysts
    EPS RevisionsNo revisions (7d)
    0
    3
    30d
    EPS Estimate DriftChange to current
    90d ago$0.70-12.8%
    60d ago$0.62-1.1%
    30d ago$0.62-1.1%
    7d ago$0.62-1.1%
    Current$0.61
    Revenue Consensus
    $64M
    Range$63M - $65M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.54
    Range$0.48 - $0.58
    3 analysts
    Revenue Consensus
    $62M
    Range$59M - $65M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.54---
    Sep 26EST
    		-$0.61---
    Jun 26
    Reported Jul 21
    		$0.60$0.68-11.76%Miss+17.6%
    Mar 26
    Reported Apr 21
    		$0.62$0.63-1.59%Miss+26.5%
    Dec 25
    Reported Jan 20
    		$0.52$0.60-13.33%Miss+52.9%
    Sep 25
    Reported Oct 21
    		$0.57$0.56+1.79%Beat-
    Jun 25
    Reported Jul 22
    		$0.51$0.51+0.00%Beat-
    Mar 25
    Reported Apr 4
    		$0.49$0.46+6.52%Beat-
    Dec 24
    Reported Mar 28
    		$0.34$0.34+0.00%Beat-

    Dividends

    Dividend Metrics

    Forward Yield0.64%
    Forward Annual Dividend$0.10
    Payout Ratio3.85%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Key Metrics

    Valuation
    P/E Ratio6.73EV/EBITDA13.28x
    Price/FCF5.28xFCF Yield18.95%
    Profitability
    Profit Margin34.90%Operating Margin45.10%
    ROE14.80%ROIC4.00%
    Financial Health
    Debt/Equity2.66xInterest Coverage0.48x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    BetaN/AAvg Volume293.95K
    52-Week High$19.6552-Week Low$14.18

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$15.54
    SMA 20$15.57
    SMA 50$16.49
    SMA 200$17.42
    EMA 10$15.62
    EMA 20$15.76
    EMA 50$16.35
    EMA 200$16.95

    MACD

    Line: -0.26Signal: -0.37Hist: 0.11

    ADX

    ADX: 31.1+DI: 19.3-DI: 33.4

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down64.0
    PSAR$15.02

    Bollinger Bands

    Upper Band$16.62
    Lower Band$14.52
    %B Position1344%(Upper)
    Band Width0.49

    RSI (14-Day)

    Neutral
    42.0

    Momentum Oscillators

    Stoch %K81.2
    Stoch %D79.5
    Williams %R-30.5
    ROC (10d)6.7%
    Momentum0.97
    CCI (20d)-0.6
    MFI (14d)51.1

    Volatility Measures

    ATR (14d)$0.44(2.8%)
    StdDev (20d)0.52
    Hist Vol23.9%(Moderate)

    Volume Flow

    VWAP$15.58
    OBV1.1M
    AD Line-17.4M
    CMF (20d)-0.259

    Volume Metrics

    Avg Vol (20d)298.4K
    Vol Ratio0.7x
    VWMA (20d)$15.69

    Pivot Points

    R3$16.52
    R2$16.32
    R1$16.07
    Pivot Point$15.88
    S1$15.63
    S2$15.43
    S3$15.18

    Advanced Oscillators

    TSI-19.97
    Ultimate Osc55.1
    KST-79.57

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$64.32M$63.42M$65.14M$64.36M$58.96M$53.26M$43.63M$54.16M$45.50M$43.84M$76.61M$315,000
    Cost of RevenueN/A$59.78M$62.02M$62.33M$57.16M$50.06M$52.23M$55.13M$50.60M$45.03M$44.45MN/A
    Gross ProfitN/A$64.05M$65.82M$63.53M$58.38M$51.97M$44.08M$53.98M$45.20M$44.20M$32.17M$315,000
    Operating Expenses$35.22M$34.44M$33.78M$34.36M$31.72M$29.37M$29.44M$29.37M$27.80M$27.98M$29.86M$10.95M
    R&D$0$0$0$0$0$0$0$0$0$0$0$5.09M
    SG&A$0$0$0$0$0$0$0$0$0$0$18.48M$5.86M
    Operating IncomeN/A$29.43M$31.97M$29.17M$26.65M$22.59M$14.65M$24.61M$17.40M$16.21M$2.31M$-10,634,000
    Interest Income$107.04M$101.50M$106.13M$101.84M$93.09M$79.15M$82.70M$83.35M$78.90M$72.58M$71.92M$0
    Interest Expense$64.62M$60.23M$62.63M$61.51M$56.57M$48.76M$52.68M$54.95M$50.30M$45.39M$45.59M$0
    Income Before Tax$28.89M$29.43M$31.97M$29.17M$26.65M$22.59M$14.64M$24.61M$17.40M$16.21M$2.31M$-8,221,000
    Income Tax Expense$7.14M$7.27M$8.33M$7.00M$6.31M$5.35M$3.66M$5.91M$4.18M$3.96M$649,000$0
    Net Income$21.75M$22.15M$23.64M$22.17M$20.34M$17.25M$10.99M$18.70M$13.22M$12.25M$1.66M$-33,256,000
    EBITDA$29.70M$30.25M$32.74M$29.96M$27.44M$23.63M$15.60M$25.92M$18.39M$17.22M$3.29M$-10,634,000
    EBIT$28.89M$29.43M$31.97M$29.17M$26.65M$22.59M$14.64M$24.61M$17.40M$16.21M$2.31M$-282,123,500
    * Some calculated fields are derived from available data when not provided by source

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    News

    Northpointe Bancshares To Go Ex-Dividend On October 15th, 2026 With 0.03 USD Dividend Per Share

    Northpointe Bancshares (NASDAQ:NPNB) is scheduled to go ex-dividend on October 15th, 2026. Shareholders recorded before this date will receive a dividend of $0.03 per share. This indicates a forward annual dividend yield...

    Moomoo•10/14/26•Neutral

    Northpointe Bancshares, Inc. (NPB) Earnings Expected to Grow: What to Know Ahead of Next Week's Release

    Northpointe Bancshares, Inc. (NPB) is expected to report a year-over-year increase in earnings with lower revenues for the quarter ending September 2026. Despite a positive year-over-year EPS change...

    Yahoo Finance•10/13/26•Somewhat-Bearish

    NPB Q3'26 Earnings: revenue estimate is 62.18M USD

    Northpointe Bancshares, Inc. (NPB) is scheduled to release its Q3'26 earnings on October 20, 2026, after the market closes. Analysts estimate revenue to be $62.18 million and earnings per share (EPS) at $0.60...

    TradingView•10/13/26•Neutral

    Northpointe Bancshares Is Maintained at Overweight by Piper Sandler

    Piper Sandler has reiterated its "Overweight" rating for Northpointe Bancshares. The report provides a current analyst consensus and price target forecast for the company.

    Moomoo•10/10/26•Somewhat-Bullish

    Piper Sandler Sticks to Its Buy Rating for Northpointe Bancshares, Inc. (NPB)

    Piper Sandler has reiterated its Buy rating for Northpointe Bancshares, Inc. (NPB), setting a price target of $20.00. Analyst Crispin Love, who covers the Financial sector...

    The Globe and Mail•10/10/26•Bullish

    NPB Valuation and Fair Value

    P/E
    6.7x
    EV/EBITDA
    13.3x
    P/FCF
    5.3x
    P/B
    0.9x
    See GNG's fair value

    NPB Profitability: Margins, ROIC and FCF

    Operating margin
    45.1%
    Net margin
    34.9%
    ROIC
    4.0%
    ROE
    14.8%
    FCF margin
    39.6%
    FCF yield
    19.0%

    NPB Competitors

    CompanyTicker
    American Integrity Insurance Group, Inc.AII
    BRC Group Holdings, Inc.RILYL
    Brighthouse Financial, Inc.BHFAM
    Investors Title CompanyITIC
    Unity Bancorp IncUNTY
    Northrim BanCorp IncNRIM
    Civista Bancshares IncCIVB
    Cantor Equity Partners III, Inc. Class A Ordinary SharesCAEP

    Sector: Financial Services

    NPB Analyst Ratings

    Consensus
    Buy
    Analysts
    3
    Strong Buy
    2
    Buy
    0
    Hold
    1
    Sell
    0
    Strong Sell
    0

    NPB Bull Case vs Bear Case

    Bull case

    • NPB converts 39.6% of revenue into free cash flow.
    • NPB has a 34.9% net profit margin.

    Bear case

    • NPB beat EPS estimates in 28.6% of its last 7 reported quarters.
    • NPB has a debt-to-equity ratio of 2.7x.

    NPB Earnings: Beat Rate and Next Report

    Beat rate
    2 of 7 quarters (28.6%)
    Average surprise
    -2.6%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.61
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 3 down

    NPB Dividend

    Forward yield
    0.6%
    Payout ratio
    3.9%
    Pay months
    Feb, May, Aug, Nov

    Frequently Asked Questions About NPB

    What is NPB's current dividend yield?

    Northpointe Bancshares, Inc. (NPB) has a forward dividend yield of 0.64%.

    Does NPB pay dividends?

    Yes, Northpointe Bancshares, Inc. pays dividends with a forward dividend yield of 0.64%.

    What is NPB's P/E ratio?

    Northpointe Bancshares, Inc. has a price-to-earnings (P/E) ratio of 6.73.

    What is NPB's market cap?

    Northpointe Bancshares, Inc. (NPB) has a market capitalization of $537.40M with a current stock price of $15.54.

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