Northpointe Bancshares Inc
NPB
Northpointe Bancshares Inc AI Insights
Informational only. Not investment advice.Snapshot
- Net margin TTM 32.1% vs industry median 25.8% - top-quartile profitability despite 2.24x debt/equity leverage[Net Margin TTM]
- Interest expense TTM 219.5M exceeds total revenue 220.2M - spread banking model with 101.8M interest income[Interest Expense TTM]
- FCF TTM 79.5M on 2.6M capex - 96.8% cash conversion with minimal reinvestment needs[Free Cash Flow TTM]
Watch Triggers
- Net Interest Margin: Compression below 3% — Core spread income drives 32% net margin - compression signals earnings decline
- Non-Performing Loans: Rise above 1.5% of assets — 11x leverage means small credit losses disproportionately impact equity
- Dividend Payout: Increase from current 0.05/share (2.8% of EPS) — Signals management confidence in earnings sustainability
Bull Case
Trading at 1.1x P/B vs 17.6 book value/share with 13.1% ROE - discount to intrinsic value if earnings sustain
FCF yield 12% (79.5M FCF / 664M market cap) with negligible capex - excess capital for dividends or buybacks
Bear Case
Interest expense 219.5M nearly equals revenue 220.2M - 100bp rate increase materially compresses margins
Total assets 6.8B on 623.5M equity (11x leverage) - limited buffer for credit losses in downturn
Bull vs Bear Balance
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Forward Thesis
ROE compression likely as rate environment normalizes, pressuring 13.1% TTM returns
- Interest expense 219.5M highly rate-sensitive
- Net debt 979M at 1.57x equity
- Spread income dependent on yield curve
Public Strategies Rankings
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NPB Fundamentals
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$663.98M | — | ||
$1.64B | — | ||
10 | — | ||
$220.22M | +26.2% | — | |
$1.81 | +31.5% | — | |
0% | — | ||
32.1% | +5.9% | — | |
$79.47M | -36.5% | — | |
0.13 | +3.0% | — | |
Beta 5Y (Monthly) | unknown | — |
NPB Dividend History
2026
$0.02502025
$0.0750NPB Stock Splits
NPB SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/12/25 | 09/30/25 | 10-Q | |
08/13/25 | 06/30/25 | 10-Q | |
05/15/25 | 03/31/25 | 10-Q | |
03/28/25 | 12/31/24 | Unknown | |
02/14/25 | 09/30/24 | 424B4 | |
09/30/24 | 09/30/24 | 424B4 | |
08/13/25 | 06/30/24 | 10-Q | |
05/15/25 | 03/31/24 | 10-Q | |
02/14/25 | 12/31/23 | 424B4 |