Stocks · Financial Services · Banks - Regional
Northpointe Bancshares, Inc. NPB
$15.35 +3.37% Close, Oct 2, 2026 · NYSE · Market cap $529.5M
Weak trendInexpensive vs sector
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 6.6× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
- Net debt is 17.4× EBITDA, a high level of leverage.
- Operating margin narrowed to 13.8% from 20.9% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 43%
- EPS growth (TTM, YoY)Top 34%
- FCF growth (TTM, YoY)Top 10%
- Revenue growth, 3-year CAGRBottom 44%
- Revenue growth accelerationBottom 11%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 37%
- Gross marginBottom 18%
- Operating marginBottom 30%
- Cash conversion (OCF / net income)Bottom 46%
- Accruals (lower is better)Bottom 41%
- Net debt / EBITDA (lower is better)Bottom 6%
- Interest coverBottom 15%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 6%
- Free-cash-flow yieldTop 15%
- EBITDA / enterprise valueBottom 34%
- Sales / enterprise valueBottom 41%
- P/E vs own 5-year history (lower is better)Top 3%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 25%
- 6-month returnBottom 9%
- 1-year return vs S&P 500Bottom 22%
- Distance from 52-week highBottom 21%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 18%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetTop 13%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 29%
- Maximum drawdown, 3 yearsTop 36%
- Beta vs S&P 500 (lower is better)Bottom 27%
- Net debt / EBITDA (lower is better)Bottom 6%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 22.3% | 4.8% | ↓ |
| EPS growth (YoY) | 40.5% | 31.3% | ↓ |
| Gross margin | 49.3% | 45.0% | ↓ |
| Operating margin | 20.9% | 13.8% | ↓ |
| FCF margin | 8.2% | 22.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 4.8% | 22.3% | ↓ | Bottom 43% |
| EPS growth (TTM, YoY) | 31.3% | 40.5% | ↓ | Top 34% |
| Gross margin | 45.0% | 49.3% | ↓ | Bottom 18% |
| Operating margin | 13.8% | 20.9% | ↓ | Bottom 30% |
| Net margin | 20.2% | 15.9% | ↑ | — |
| Free-cash-flow margin | 22.2% | 8.2% | ↑ | — |
| Return on invested capital | 0.6% | — | Bottom 37% | |
| Revenue growth, 3-year CAGR | 13.3% | — | Bottom 44% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.11×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 17.42×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.32%
- Net buyback yield (TTM)
- 14.28%
- Shareholder yield
- 14.60%
- Share count change, 1 year
- +0.3%
- Share count change, 3-year CAGR
- +5.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 2 of 8
- Average EPS surprise, last 4
- -5.9%
- Average 2-day reaction, last 8
- -1.3%
- Positive 20 days after report
- 2 of 7
Analysts
- Consensus price target
- $22.00
- Target vs current price
- +43.3%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | -11.4% | -0.1% | -8.5% | -7.5% | — |
| Apr 21, 2026 | -0.8% | -3.5% | -8.4% | -11.0% | -0.2% |
| Jan 20, 2026 | -13.3% | -3.9% | -4.8% | -3.1% | +0.1% |
| Oct 21, 2025 | +1.8% | -0.1% | -1.8% | -2.5% | +10.7% |
| Jul 22, 2025 | +0.0% | +0.1% | +1.0% | +8.6% | +17.7% |
| Apr 22, 2025 | +2.1% | -1.1% | +6.2% | +6.8% | +14.2% |
| Mar 31, 2025 | +0.0% | -0.8% | -11.3% | -4.1% | -7.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $0.60 | $0.68 | -11.4% | $64.3M |
| Apr 21, 2026 | $0.62 | $0.63 | -0.8% | $63.4M |
| Jan 20, 2026 | $0.52 | $0.60 | -13.3% | $9.4M |
| Oct 21, 2025 | $0.57 | $0.56 | +1.8% | $9.0M |
| Jul 22, 2025 | $0.51 | $0.51 | +0.0% | $8.2M |
| Apr 22, 2025 | $0.49 | $0.48 | +2.1% | $7.3M |
| Mar 31, 2025 | -$0.01 | -$0.01 | +0.0% | $96.3M |
| Nov 14, 2024 | -$0.25 | -$0.16 | -56.3% | $109.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 6.6× | 9.2× | 0th | Top 6% |
| P/E (forward) | 6.2× | — | — | — |
| EV / EBITDA | 25.9× | — | — | Bottom 34% |
| EV / Sales | 3.66× | — | — | Bottom 41% |
| Free-cash-flow yield | 18.61% | — | — | Top 15% |
| Earnings yield | 15.05% | — | — | Top 6% |
P/E over the past five years
Range 7.5× – 36.3× since Dec 31, 2022. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -11.0%
- Earnings per share growth (TTM)
- +31.3%
- Change in P/E multiple
- -20.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -5.6%
- 200-day average slope (20 days)
- -0.6%
- Distance from 50-day average
- -8.4%
- Distance from 200-day average
- -12.4%
- RSI (14)
- 37.2
- Relative volume
- 0.78×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 29.6%
- Volatility vs own 5-year history
- 47th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.90
- Correlation with S&P 500
- 0.44
- Current drawdown from 1-year high
- -20.5%
- Maximum drawdown, 3 years
- -24.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jul 1, 2026 | Sep 30, 2026 | -24.6% | 63 days | Not yet recovered |
| Mar 17, 2025 | Apr 17, 2025 | -19.7% | 23 days | 52 days (Jul 3, 2025) |
| Sep 5, 2025 | Nov 6, 2025 | -15.4% | 44 days | 47 days (Jan 15, 2026) |
| Jan 22, 2026 | Mar 20, 2026 | -13.0% | 40 days | 16 days (Apr 14, 2026) |
| Apr 20, 2026 | Jun 3, 2026 | -12.2% | 31 days | 19 days (Jul 1, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $529.5M
- P/E (TTM)
- 6.6
- EPS, diluted (TTM)
- $2.31
- Revenue (TTM)
- $443.1M
- Dividend yield
- 0.65%
- 52-week range
- $14.21 – $19.71
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $2.2M | $324.2M | $362.4M | $390.5M | $471.2M |
| Gross profit | $1.0M | $255.3M | $197.8M | $187.5M | $239.6M |
| Operating income | -$51.0M | $33.7M | $44.7M | $72.9M | $110.4M |
| Net income | -$57.4M | $23.2M | $33.8M | $55.2M | $83.4M |
| EPS (diluted) | -$0.76 | $0.40 | $0.70 | $1.37 | $2.11 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $109.1M | $96.3M | $102.0M | $115.5M | $125.9M | $127.8M | $123.8M | $65.6M |
| Net income | $18.7M | $11.0M | $17.2M | $20.3M | $22.2M | $23.6M | $22.2M | $21.7M |
| EPS (diluted) | $0.50 | $0.26 | $0.49 | $0.51 | $0.57 | $0.52 | $0.62 | $0.60 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$150.9M | -$79.5M | -$24.1M | $19.8M | $44.3M |
| Capital expenditure | -$4.6M | -$3.4M | -$2.8M | -$1.1M | -$2.8M |
| Free cash flow | -$155.5M | -$82.9M | -$26.9M | $18.8M | $41.5M |
| Dividends paid | $0 | -$7.8M | -$2.6M | -$2.6M | -$3.2M |
| Net share buybacks | $92.1M | -$1.3M | -$616,000 | -$12.2M | $34.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $543.2M
- Total assets
- $7.53B
- Total liabilities
- $6.92B
- Total debt
- $1.63B
- Net debt
- $1.09B
- Shareholders’ equity
- $611.6M
As of Jun 30, 2026 (filed Aug 13, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 15, 2026 | $0.03 | Aug 4, 2026 |
| Apr 15, 2026 | $0.03 | May 5, 2026 |
| Jan 15, 2026 | $0.03 | Feb 3, 2026 |
| Oct 15, 2025 | $0.03 | Nov 3, 2025 |
| Jul 15, 2025 | $0.03 | Aug 4, 2025 |
| Apr 15, 2025 | $0.03 | May 2, 2025 |
Short interest
- Shares sold short
- 594,060
- Days to cover
- 2.46
- Change vs previous report
- -12.2%
FINRA short interest, settlement date Sep 15, 2026.