NPB
Neutral signalScored 2026-10-27 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
Northpointe Bancshares, Inc.
- Nom
- Northpointe Bancshares, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $545.0M
- Employés
- 483
- PDG
- Charles A. Williams
- Site web
- https://www.northpointe.com
- Marché
- ALXOBNRCCCCCGEMERASLEGN
Northpointe Bancshares, Inc. serves as the parent company for Northpointe Bank, offering a broad spectrum of financial products and banking services throughout the United States. The organization's activities are structured into two main divisions: its Mortgage Purchase Program and Retail Banking. Customers can access digital deposit solutions such as non-interest-bearing accounts, savings accounts, money market demand accounts, and certificates of deposit. Furthermore, the company extends services to individual and business clients, provides health savings accounts, facilitates home financing, manages a dedicated mortgage purchase program, engages in residential mortgage lending, and offers custodial deposit services. Founded in 1998, Northpointe Bancshares, Inc. is based in Grand Rapids, Michigan.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 12 000 titres (~184 761,60 $ US)
- Insiders
- Boer Carrie L
- Total bought
-
$184,762
Avg buy (VWAP, 90d window) $15.39 vs last close $15.76 (+2.4%)
- Total sold
-
—
Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-10-23
- Liquidity
- Thin $4,907,432/day · 20d vol
- Last synced
-
2026-10-28 10:33:03
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-23 | Boer Carrie L | Buy · P | 12,000 | $15.40 | $184,762 | Form 4 |
| 2026-10-23 | Long Joseph B | Buy · P | 3,240 | $15.37 | $49,800 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-10-27 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
NPB shows genuine operational improvement with rising margins and a declining debt-to-EBITDA trajectory, and the insider cluster buy alongside a new buyback program signals management conviction.
The first sentence of the analysis written for NPB on 2026-10-27 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
- Financial indicators Unavailable or mixed. Current ratio 0.10 · operating margin 23% — readings disagree
Suggested stop 15.19, nearest stored support minus 0.5 ATR(3.6% under the last close). Reward/risk to the next stored resistance is 2.77. Research, not advice. Not an order.
Recent news
- 2026-10-26 Northpointe Bancshares, Inc. Announces Common Stock Repurchase Program GRAND RAPIDS, Mich.--(BUSINESS WIRE)-- #InvestorRelations--Northpointe Bancshares announced today that its Board of Directors authorized a new common stock repurchase program.
- 2026-10-21 Northpointe Bancshares, Inc. (NPB) Q3 2026 Earnings Call Transcript Northpointe Bancshares, Inc. ( NPB ) Q3 2026 Earnings Call October 21, 2026 10:00 AM EDT Company Participants Bradley Howes - Executive VP & CFO Charles Williams - Founder, Chairman & CEO Kevin Comps - President & Secretary Conference Call Participants Crispin Love - Piper Sandler & Co., Research Division Damon Del Monte - Keefe, Bruyette, & Woods, Inc., Research Division Christopher Marinac - Brean Capital, LLC, Research Division Presentation Operator Greetings, and welcome to the Northpointe Bancshares, Inc. Q3 2026 Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded.
- 2026-10-21 Northpointe Bancshares Q3 Earnings Call Highlights Northpointe Bancshares NYSE: NPB reported third-quarter net income of $13.9 million, or $0.39 per diluted share, while outlining a planned exit from its distributed retail and consumer direct mortgage origination channels through a non-binding letter of intent with CMG Financial and its affiliates.
- 2026-10-21 Q3 Appears To Be A Transition Period For Northpointe Bancshares (Downgrade) Northpointe Bancshares, Inc. reported Q3 2026 EPS of $0.39, missing consensus and reflecting asset fair value declines and isolated deposit fraud. I downgrade NPB to Hold, citing persistent headwinds in the U.S. housing market, weak mortgage origination, and limited near-term growth prospects. NPB''s valuation remains attractive, trading at 6.31x FY 2026 PE and 0.91x tangible book, but macro risks and low dividend yield temper upside.
- 2026-10-20 Northpointe Bancshares, Inc. (NPB) Reports Q3 Earnings: What Key Metrics Have to Say The headline numbers for Northpointe Bancshares, Inc. (NPB) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-10-20 Northpointe Bancshares, Inc. (NPB) Q3 Earnings and Revenues Lag Estimates Northpointe Bancshares, Inc. (NPB) came out with quarterly earnings of $0.39 per share, missing the Zacks Consensus Estimate of $0.6 per share. This compares to earnings of $0.57 per share a year ago.
- 2026-10-20 Northpointe Bancshares, Inc. Reports Third Quarter 2026 Results GRAND RAPIDS, Mich.--(BUSINESS WIRE)-- #Earnings--NORTHPOINTE BANCSHARES, INC. REPORTS THIRD QUARTER 2026 RESULTS.
- 2026-10-13 Northpointe Bancshares, Inc. (NPB) Earnings Expected to Grow: What to Know Ahead of Next Week''s Release Northpointe Bancshares, Inc. (NPB) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-10-07 Northpointe Bancshares, Inc. (NYSE:NPB) Increases Dividend to $0.03 Per Share Northpointe Bancshares, Inc. (NYSE: NPB - Get Free Report) declared a quarterly dividend on Tuesday, October 6th. Shareholders of record on Thursday, October 15th will be given a dividend of $0.03 per share on Wednesday, November 4th. This represents a $0.12 dividend on an annualized basis and a yield of 0.8%. The ex-dividend date of this
- 2026-09-21 Northpointe Bancshares, Inc. Announces Date of Third Quarter 2026 Earnings Release and Conference Call GRAND RAPIDS, Mich.--(BUSINESS WIRE)-- #NPB--Northpointe Bancshares, Inc. will release its third quarter 2026 financial results on Tuesday, October 20, 2026, after market close.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|---|
| Gross Profit Margin | 50.9% | 48.0% | 54.6% | 78.7% | |
| Ebit Margin | 23.4% | 18.7% | 12.3% | 10.4% | |
| Ebitda Margin | 24.1% | 19.6% | 13.4% | 11.6% | |
| Operating Profit Margin | 23.4% | 18.7% | 12.3% | 10.4% | |
| Pretax Profit Margin | 23.4% | 18.7% | 12.3% | 10.4% | |
| Continuous Operations Profit Margin | 17.7% | 14.1% | 9.3% | 7.2% | |
| Net Profit Margin | 17.7% | 14.1% | 9.3% | 7.2% | |
| Bottom Line Profit Margin | 15.2% | 12.1% | 6.7% | 4.2% | |
| Current Ratio | 0.102 | 0.112 | 0.125 | 0.097 | |
| Quick Ratio | 0.102 | 0.112 | 0.125 | 0.097 | |
| Solvency Ratio | 0.013 | 0.012 | 0.009 | 0.007 | |
| Cash Ratio | 0.102 | 0.110 | 0.120 | 0.094 | |
| Price To Earnings Ratio | 7.841 | 10.584 | 20.714 | 36.250 | |
| Price To Earnings Growth Ratio | 0.140 | 0.111 | 0.276 | 0.000 | |
| Forward Price To Earnings Growth Ratio | 0.140 | 0.111 | 0.276 | 0.000 | |
| Price To Earnings Diluted Ratio | 7.953 | 10.584 | 20.714 | 36.250 | |
| Price To Earnings Diluted Growth Ratio | 0.147 | 0.111 | 0.276 | 0.000 | |
| Price To Book Ratio | 0.986 | 1.076 | 1.155 | 1.192 | |
| Price To Sales Ratio | 1.191 | 1.274 | 1.373 | 1.534 | |
| Price To Free Cash Flow Ratio | 13.607 | 26.523 | 0.998 | 0.369 | |
| Price To Operating Cash Flow Ratio | 12.666 | 25.114 | 0.987 | 0.368 | |
| Debt To Assets Ratio | 0.219 | 0.249 | 0.276 | 0.223 | |
| Debt To Equity Ratio | 2.700 | 2.817 | 3.052 | 2.351 | |
| Debt To Capital Ratio | 0.730 | 0.738 | 0.753 | 0.702 | |
| Long Term Debt To Capital Ratio | 0.730 | 0.738 | 0.753 | 0.702 | |
| Financial Leverage Ratio | 12.341 | 11.295 | 11.050 | 10.545 | |
| Working Capital Turnover Ratio | -0.127 | -0.140 | -0.139 | 0.000 | |
| Operating Cash Flow Ratio | 0.009 | 0.006 | 0.172 | 0.463 | |
| Operating Cash Flow Sales Ratio | 0.094 | 0.051 | 1.391 | 4.169 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.931 | 0.947 | 0.989 | 0.996 | |
| Debt Service Coverage Ratio | 0.377 | 0.290 | 0.227 | 0.409 | |
| Interest Coverage Ratio | 0.481 | 0.358 | 0.269 | 0.505 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.029 | 0.015 | 0.384 | 1.377 | |
| Capital Expenditure Coverage Ratio | 14.469 | 18.830 | 91.137 | 265.234 | |
| Dividend Paid And Capex Coverage Ratio | 3.056 | 1.568 | 28.396 | 60.054 | |
| Dividend Payout Ratio | 0.137 | 0.210 | 0.362 | 0.749 | |
| Enterprise Value Multiple | 14.110 | 18.570 | 29.976 | 31.939 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 50.9% | ▲2.8% | ▼-7.2% |
| Ebit Margin | 23.4% | ▲4.8% | ▲7.2% |
| Ebitda Margin | 24.1% | ▲4.4% | ▲6.9% |
| Operating Profit Margin | 23.4% | ▲4.8% | ▲7.2% |
| Pretax Profit Margin | 23.4% | ▲4.8% | ▲7.2% |
| Continuous Operations Profit Margin | 17.7% | ▲3.6% | ▲5.6% |
| Net Profit Margin | 17.7% | ▲3.6% | ▲5.6% |
| Bottom Line Profit Margin | 15.2% | ▲3.1% | ▲5.7% |
| Current Ratio | 0.102 | ▼-0.011 | ▼-0.007 |
| Quick Ratio | 0.102 | ▼-0.011 | ▼-0.007 |
| Solvency Ratio | 0.013 | ▲0.001 | ▲0.003 |
| Cash Ratio | 0.102 | ▼-0.008 | ▼-0.005 |
| Price To Earnings Ratio | 7.841 | ▼-2.743 | ▼-11.006 |
| Price To Earnings Growth Ratio | 0.140 | ▲0.029 | ▲0.008 |
| Forward Price To Earnings Growth Ratio | 0.140 | ▲0.029 | ▲0.008 |
| Price To Earnings Diluted Ratio | 7.953 | ▼-2.631 | ▼-10.923 |
| Price To Earnings Diluted Growth Ratio | 0.147 | ▲0.037 | ▲0.014 |
| Price To Book Ratio | 0.986 | ▼-0.090 | ▼-0.116 |
| Price To Sales Ratio | 1.191 | ▼-0.084 | ▼-0.152 |
| Price To Free Cash Flow Ratio | 13.607 | ▼-12.916 | ▲3.232 |
| Price To Operating Cash Flow Ratio | 12.666 | ▼-12.448 | ▲2.882 |
| Debt To Assets Ratio | 0.219 | ▼-0.031 | ▼-0.023 |
| Debt To Equity Ratio | 2.700 | ▼-0.117 | ▼-0.030 |
| Debt To Capital Ratio | 0.730 | ▼-0.008 | ▼-0.001 |
| Long Term Debt To Capital Ratio | 0.730 | ▼-0.008 | ▼-0.001 |
| Financial Leverage Ratio | 12.341 | ▲1.046 | ▲1.034 |
| Working Capital Turnover Ratio | -0.127 | ▲0.012 | ▼-0.026 |
| Operating Cash Flow Ratio | 0.009 | ▲0.003 | ▼-0.153 |
| Operating Cash Flow Sales Ratio | 0.094 | ▲0.043 | ▼-1.332 |
| Free Cash Flow Operating Cash Flow Ratio | 0.931 | ▼-0.016 | ▼-0.035 |
| Debt Service Coverage Ratio | 0.377 | ▲0.087 | ▲0.051 |
| Interest Coverage Ratio | 0.481 | ▲0.123 | ▲0.078 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.029 | ▲0.014 | ▼-0.422 |
| Capital Expenditure Coverage Ratio | 14.470 | ▼-4.360 | ▼-82.948 |
| Dividend Paid And Capex Coverage Ratio | 3.056 | ▲1.488 | ▼-20.213 |
| Dividend Payout Ratio | 0.137 | ▼-0.073 | ▼-0.228 |
| Enterprise Value Multiple | 14.110 | ▼-4.460 | ▼-9.539 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Market cap | $561.0M | $497.5M | $497.5M | $497.5M | |
| Enterprise value | $1.60B | $1.42B | $1.46B | $1.20B | |
| EV / Sales | 3.40x | 3.65x | 4.03x | 3.71x | |
| EV / Op. cash flow | 36.15x | 71.88x | 2.90x | 0.89x | |
| EV / Free cash flow | 38.83x | 75.91x | 2.93x | 0.90x | |
| EV / EBITDA | 14.11x | 18.57x | 29.98x | 31.94x | |
| Net debt / EBITDA | 9.16x | 12.08x | 19.76x | 18.75x | |
| Current ratio | 0.10x | 0.11x | 0.12x | 0.10x | |
| Income quality | 0.53x | 0.36x | 14.93x | 58.16x | |
| Graham number | $31 | $22 | $17 | $14 | |
| Graham net-net | -$178 | -$128 | -$115 | -$108 | |
| Tax burden | 75.6% | 75.7% | 75.6% | 69.0% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$4.37B | -$3.04B | -$2.56B | -$2.64B | |
| Invested capital | -$4.33B | -$2.99B | -$2.43B | -$2.50B | |
| Return on assets | 1.2% | 1.1% | 0.7% | 0.5% | |
| Operating ROA | 1.8% | 1.5% | 1.0% | 0.0% | |
| Return on tangible assets | 1.2% | 1.1% | 0.7% | 0.5% | |
| Return on equity | 14.7% | 11.9% | 7.8% | 5.6% | |
| Return on invested capital | 3.9% | 3.1% | 1.8% | 1.6% | |
| Return on capital employed | 5.1% | 4.0% | 2.4% | 2.3% | |
| Earnings yield | 14.9% | 11.1% | 6.8% | 4.7% | |
| Free cash flow yield | 7.3% | 3.8% | 100.2% | 270.7% | |
| Capex / Op. cash flow | 6.9% | 5.3% | 1.1% | 0.4% | |
| Capex / Depreciation | 99.6% | 27.7% | 137.7% | 126.8% | |
| Capex / Sales | 0.6% | 0.3% | 1.5% | 1.6% | |
| SG&A / Sales | 19.1% | 19.9% | 28.8% | 49.3% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.0% | |
| Intangibles / Total assets | 0.3% | 0.3% | 2.1% | 2.4% | |
| Days sales outstanding | 0d | 0d | 0d | 0d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 0d | 0d | 0d | |
| Cash conversion cycle | 0d | 0d | 0d | 0d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years