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Northpointe Bancshares, Inc. (NPB)
Financial Services · Banks - Regional · NYSE
Northpointe Bancshares, Inc. revenue & earnings — last 4 fiscal years
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | $257.56M | $196.29M | $187.14M | $241.72M |
| Gross profit | — | — | — | — |
| Net income | $23.24M | $33.76M | $55.16M | $83.41M |
| Net margin | 9.0% | 17.2% | 29.5% | 34.5% |
Source: Northpointe Bancshares, Inc. SEC filings (10-K).
What growth is priced into NPB stock?
At today's market cap of $621.09M, Northpointe Bancshares, Inc. is priced for free-cash-flow growth of about 3.8% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $41.23M from the FY ending 2025-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 4 years of Northpointe Bancshares, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Northpointe Bancshares, Inc. financial history by metric
About Northpointe Bancshares, Inc.
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. was incorporated in 1998 and is headquartered in Grand Rapids, Michigan.
Northpointe Bancshares, Inc. — frequently asked questions
What is Northpointe Bancshares, Inc.'s revenue?
Northpointe Bancshares, Inc. (NPB) reported revenue of $241.72M for fiscal year 2025, up 29.2% from the prior year, according to its SEC filings.
Is Northpointe Bancshares, Inc. profitable?
Yes. NPB earned net income of $83.41M in fiscal 2025, a net margin of 34.5%.
What is NPB's P/E ratio?
Northpointe Bancshares, Inc. trades at a price-to-earnings ratio of about 8.0 based on the latest data in our nightly-refreshed cache.
How fast is Northpointe Bancshares, Inc. growing?
NPB's revenue grew at roughly -2.1% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Northpointe Bancshares, Inc. have?
As of fiscal year 2025, NPB carried roughly $1.54B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Northpointe Bancshares, Inc.'s market cap?
Northpointe Bancshares, Inc. (NPB) has a market capitalization of about $621.09M, based on the latest data in our nightly-refreshed cache.
When does Northpointe Bancshares, Inc.'s fiscal year end?
NPB's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into NPB stock?
At today's market cap of $621.09M, Northpointe Bancshares, Inc. is priced for free-cash-flow growth of about 3.8% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $41.23M from the FY ending 2025-12-31).
Where does this data come from?
All figures are computed from Northpointe Bancshares, Inc.'s official SEC filings (10-K and 10-Q), covering 4 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.