NPB
NORTHPOINTE BANCSHARES INC
Next earnings Jul 20, 2026 · consensus $0.68 EPS, $67.2M rev
Last earnings +5.2% on 2026-04-21
$18.91
▲ +1.61%$18.91▲ +45.52%
over 1Y
L $12.99EODHDH $19.19
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.6%
1W+1.6%
1M+9.0%
3M+12.0%
YTD+13.7%
1Y+45.5%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 7 analysts
Buy
Mixed signals in the latest filings.
The read
It screens cheap (~324% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
NORTHPOINTE BANCSHARES INC shows limited reported revenue, and 14.7% ROE.
Financials · annual, by fiscal year
| Line item | FY23 | FY24 | FY25 |
|---|---|---|---|
| Revenue | — | — | — |
| Gross profit | — | — | — |
| Operating income | — | — | — |
| Net income | $33.8M | $55.2M | $83.4M |
| Diluted EPS | $0.93 | $1.83 | $2.11 |
| Net margin | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF15.7
PEG (trailing)0.17
Earnings yield12.8%
FCF yield6.4%
Quality & risk
ROIC (est.)—
Free cash flow$41.5M
Total debt—
Net cash$496M
Capital returns
Buyback yield0.0%
Dividend yield (est.)0.5%
Shareholder yield0.5%
Shares Δ YoY+0.6%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-26open ↗4/APeriod ending 2026-05-132026-06-18open ↗4/APeriod ending 2026-05-132026-06-18open ↗4/APeriod ending 2026-05-132026-06-18open ↗4/APeriod ending 2026-05-132026-06-18open ↗4/APeriod ending 2026-05-132026-06-18open ↗4/APeriod ending 2026-05-132026-06-18open ↗4/APeriod ending 2026-05-132026-06-18open ↗4Period ending 2026-05-132026-06-17open ↗4Period ending 2026-05-132026-06-17open ↗4Period ending 2026-05-132026-06-17open ↗4Period ending 2026-05-132026-06-17open ↗
Frequently asked
- Is NORTHPOINTE BANCSHARES INC (NPB) a buy?
- NPB currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is NPB's fair value?
- A Modified-Graham model based on NPB's SEC fundamentals estimates a fair value of about $80.18. It is an estimate from reported earnings, not a price target.
- Is NPB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, NPB currently appears undervalued relative to its SEC-grounded earnings power.
- What is NORTHPOINTE BANCSHARES INC's quality score?
- NPB scores 85.88235294117646/100 (grade A) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001336706, latest 10-Q filed 2026-05-14) · EODHD · as of 6/26/2026, 6:50:33 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.