NORTHPOINTE BANCSHARES INC. Financials
This page shows NORTHPOINTE BANCSHARES INC. (NPB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
NORTHPOINTE BANCSHARES INC. passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass.
For every $1 of reported earnings, NORTHPOINTE BANCSHARES INC. generates $0.36 in operating cash flow ($19.8M OCF vs $55.2M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
NORTHPOINTE BANCSHARES INC. generated $18.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 96.3% from the prior year.
NORTHPOINTE BANCSHARES INC. reported $55.2M in net income in fiscal year 2024. This represents an increase of 63.4% from the prior year.
NORTHPOINTE BANCSHARES INC. earned $1.83 per diluted share (EPS) in fiscal year 2024. This represents an increase of 96.8% from the prior year.
NORTHPOINTE BANCSHARES INC. held $376.3M in cash against $0 in long-term debt as of fiscal year 2024.
NORTHPOINTE BANCSHARES INC. paid $0.10 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
NORTHPOINTE BANCSHARES INC. had 26M shares outstanding in fiscal year 2024. This represents a decrease of 0.0% from the prior year.
NORTHPOINTE BANCSHARES INC.'s ROE was 11.9% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 4.1 percentage points from the prior year.
NORTHPOINTE BANCSHARES INC. spent $770K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 25.0% from the prior year.
NORTHPOINTE BANCSHARES INC. invested $1.1M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 62.5% from the prior year.
NPB Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $61.5M+8.7% | $56.6M+16.0% | $48.8M | N/A | $54.9M+9.2% | $50.3M+10.8% | $45.4M | N/A |
| Income Tax | $7.0M+11.0% | $6.3M+18.0% | $5.3M | N/A | $5.9M+41.4% | $4.2M+5.5% | $4.0M | N/A |
| Net Income | $22.2M+9.0% | $20.3M+18.0% | $17.2M | N/A | $18.7M+41.4% | $13.2M+7.9% | $12.3M | N/A |
| EPS (Diluted) | $0.57+11.8% | $0.51+4.1% | $0.49 | N/A | $0.66+50.0% | $0.44+15.8% | $0.38 | N/A |
NPB Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.8B+6.4% | $6.4B+9.7% | $5.9B+12.2% | $5.2B-3.0% | $5.4B+3.1% | $5.2B+7.4% | $4.9B+2.2% | $4.8B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $419.2M+0.8% | $415.7M+29.3% | $321.5M-14.6% | $376.3M-14.6% | $440.8M+24.7% | $353.4M+44.4% | $244.8M-30.4% | $351.9M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $6.2B+6.7% | $5.8B+10.5% | $5.3B+10.7% | $4.8B-3.4% | $4.9B+3.2% | $4.8B+8.0% | $4.4B+2.3% | $4.3B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $623.5M+3.2% | $604.3M+3.0% | $586.5M+26.8% | $462.5M+1.7% | $454.8M+2.0% | $445.8M+1.4% | $439.8M+2.1% | $430.6M |
| Retained Earnings | $346.8M+5.9% | $327.6M+5.5% | $310.4M+4.9% | $296.0M | N/A | N/A | N/A | $251.4M |
NPB Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $90.4M+225.1% | -$72.3M-232.8% | $54.4M+469.3% | $9.6M-78.8% | $45.1M+233.0% | -$33.9M-3508.1% | -$939K | N/A |
| Capital Expenditures | $794K-30.4% | $1.1M+254.3% | $322K+257.8% | $90K-79.5% | $438K+1427.3% | -$33K-105.9% | $557K | N/A |
| Free Cash Flow | $89.6M+222.0% | -$73.4M-235.7% | $54.1M+471.4% | $9.5M-78.8% | $44.6M+231.6% | -$33.9M-2166.9% | -$1.5M | N/A |
| Investing Cash Flow | -$473.7M-22.7% | -$386.0M+46.0% | -$715.5M-922.7% | $87.0M+150.6% | -$171.8M+7.1% | -$184.8M+2.0% | -$188.6M | N/A |
| Financing Cash Flow | $386.8M-30.0% | $552.5M-8.9% | $606.3M+476.6% | -$161.0M-175.2% | $214.1M-34.6% | $327.3M+297.0% | $82.4M | N/A |
| Dividends Paid | $860K+0.1% | $859K+34.0% | $641K-0.3% | $643K-0.3% | $645K+1.1% | $638K-0.8% | $643K | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
NPB Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Equity | 3.6%+0.2pp | 3.4%+0.4pp | 2.9% | N/A | 4.1%+1.1pp | 3.0%+0.2pp | 2.8% | N/A |
| Return on Assets | 0.3%0.0pp | 0.3%+0.0pp | 0.3% | N/A | 0.4%+0.1pp | 0.3%0.0pp | 0.3% | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.97+0.3 | 9.64+0.7 | 8.99-1.3 | 10.30-0.5 | 10.84+0.1 | 10.72+0.7 | 10.06+0.0 | 10.05 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
Is NORTHPOINTE BANCSHARES INC. profitable?
Yes, NORTHPOINTE BANCSHARES INC. (NPB) reported a net income of $55.2M in fiscal year 2024.
What is NORTHPOINTE BANCSHARES INC.'s earnings per share (EPS)?
NORTHPOINTE BANCSHARES INC. (NPB) reported diluted earnings per share of $1.83 for fiscal year 2024. This represents a 96.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
Does NORTHPOINTE BANCSHARES INC. pay dividends?
Yes, NORTHPOINTE BANCSHARES INC. (NPB) paid $0.10 per share in dividends during fiscal year 2024.
What is NORTHPOINTE BANCSHARES INC.'s return on equity (ROE)?
NORTHPOINTE BANCSHARES INC. (NPB) has a return on equity of 11.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is NORTHPOINTE BANCSHARES INC.'s free cash flow?
NORTHPOINTE BANCSHARES INC. (NPB) generated $18.8M in free cash flow during fiscal year 2024. This represents a -96.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is NORTHPOINTE BANCSHARES INC.'s operating cash flow?
NORTHPOINTE BANCSHARES INC. (NPB) generated $19.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are NORTHPOINTE BANCSHARES INC.'s total assets?
NORTHPOINTE BANCSHARES INC. (NPB) had $5.2B in total assets as of fiscal year 2024, including both current and long-term assets.
What are NORTHPOINTE BANCSHARES INC.'s capital expenditures?
NORTHPOINTE BANCSHARES INC. (NPB) invested $1.1M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does NORTHPOINTE BANCSHARES INC. buy back shares?
Yes, NORTHPOINTE BANCSHARES INC. (NPB) spent $770K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does NORTHPOINTE BANCSHARES INC. have outstanding?
NORTHPOINTE BANCSHARES INC. (NPB) had 26M shares outstanding as of fiscal year 2024.
What is NORTHPOINTE BANCSHARES INC.'s debt-to-equity ratio?
NORTHPOINTE BANCSHARES INC. (NPB) had a debt-to-equity ratio of 10.30 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is NORTHPOINTE BANCSHARES INC.'s return on assets (ROA)?
NORTHPOINTE BANCSHARES INC. (NPB) had a return on assets of 1.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is NORTHPOINTE BANCSHARES INC.'s Piotroski F-Score?
NORTHPOINTE BANCSHARES INC. (NPB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are NORTHPOINTE BANCSHARES INC.'s earnings high quality?
NORTHPOINTE BANCSHARES INC. (NPB) has an earnings quality ratio of 0.36x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.