What is NORTHPOINTE BANCSHARES INC.'s earnings per share (EPS)?

NORTHPOINTE BANCSHARES INC. (NPB) reported diluted earnings per share of $2.11 for fiscal year 2025. This represents a 15.3% 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.

NORTHPOINTE BANCSHARES INC. Financials

NPB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows NORTHPOINTE BANCSHARES INC. (NPB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 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

Financial Profile 6/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of NORTHPOINTE BANCSHARES INC.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Leverage

NORTHPOINTE BANCSHARES INC. has elevated debt relative to equity (D/E of 11.34), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

NORTHPOINTE BANCSHARES INC.'s ROE of 14.7% shows moderate profitability relative to equity, earning a score of 39/100. This is up from 11.9% the prior year.

Piotroski F-Score Weak

3/9

NORTHPOINTE BANCSHARES INC. passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution).

Earnings Quality Mixed

0.53x

For every $1 of reported earnings, NORTHPOINTE BANCSHARES INC. generates $0.53 in operating cash flow ($44.3M OCF vs $83.4M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

N/A

EBITDA

N/A

Net Income

$83.4M

YoY+51.2%

NORTHPOINTE BANCSHARES INC. reported $83.4M in net income in fiscal year 2025. This represents an increase of 51.2% from the prior year.

EPS (Diluted)

$2.11

YoY+15.3%

NORTHPOINTE BANCSHARES INC. earned $2.11 per diluted share (EPS) in fiscal year 2025. This represents an increase of 15.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$41.5M

YoY+121.4%

NORTHPOINTE BANCSHARES INC. generated $41.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 121.4% from the prior year.

Cash & Debt

$496.5M

YoY+31.9%

NORTHPOINTE BANCSHARES INC. held $496.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.10

YoY+0.0%

NORTHPOINTE BANCSHARES INC. paid $0.10 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

34M

YoY+34.3%

NORTHPOINTE BANCSHARES INC. had 34M shares outstanding in fiscal year 2025. This represents an increase of 34.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

14.7%

YoY+2.7pp

NORTHPOINTE BANCSHARES INC.'s ROE was 14.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

YoY-100.0%

NORTHPOINTE BANCSHARES INC. spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$2.8M

YoY+162.8%

NORTHPOINTE BANCSHARES INC. invested $2.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 162.8% from the prior year.

NPB Income Statement

Metric	FY25	FY24	FY23
Revenue	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A
SG&A Expenses	$90.2M+15.9%	$77.8M-25.4%	$104.3M
Operating Income	N/A	N/A	N/A
Interest Expense	$229.5M+12.9%	$203.3M+22.4%	$166.2M
Income Tax	$27.0M+52.3%	$17.7M+62.2%	$10.9M
Net Income	$83.4M+51.2%	$55.2M+63.4%	$33.8M
EPS (Diluted)	$2.11+15.3%	$1.83+96.8%	$0.93

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	$24.3M+9.5%	$22.2M+8.8%	$20.4M	N/A	$20.8M+3.8%	$20.0M+11.1%	$18.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$61.5M+8.7%	$56.6M+16.0%	$48.8M	N/A	$54.9M+9.2%	$50.3M+10.8%	$45.4M
Income Tax	N/A	$7.0M+11.0%	$6.3M+18.0%	$5.3M	N/A	$5.9M+41.4%	$4.2M+5.5%	$4.0M
Net Income	N/A	$22.2M+9.0%	$20.3M+18.0%	$17.2M	N/A	$18.7M+41.4%	$13.2M+7.9%	$12.3M
EPS (Diluted)	N/A	$0.57+11.8%	$0.51+4.1%	$0.49	N/A	$0.66+50.0%	$0.44+15.8%	$0.38

NPB Balance Sheet

Metric	FY25	FY24	FY23
Total Assets	$7.0B+34.4%	$5.2B+9.8%	$4.8B
Current Assets	N/A	N/A	N/A
Cash & Equivalents	$496.5M+31.9%	$376.3M+6.9%	$351.9M
Inventory	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A
Total Liabilities	$6.5B+35.5%	$4.8B+10.0%	$4.3B
Current Liabilities	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A
Total Equity	$569.0M+23.0%	$462.5M+7.4%	$430.6M
Retained Earnings	$364.4M+23.1%	$296.0M+17.7%	$251.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$7.0B+2.7%	$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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$496.5M+18.4%	$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
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	$6.5B+3.8%	$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
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	$569.0M-8.7%	$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
Retained Earnings	$364.4M+5.1%	$346.8M+5.9%	$327.6M+5.5%	$310.4M+4.9%	$296.0M	N/A	N/A	N/A

NPB Cash Flow Statement

Metric	FY25	FY24	FY23
Operating Cash Flow	$44.3M+123.6%	$19.8M-96.1%	$504.2M
Capital Expenditures	$2.8M+162.8%	$1.1M-62.5%	$2.8M
Free Cash Flow	$41.5M+121.4%	$18.8M-96.3%	$501.4M
Investing Cash Flow	-$1.6B-255.7%	-$458.2M+39.0%	-$750.7M
Financing Cash Flow	$1.7B+268.5%	$462.8M+42.8%	$324.2M
Dividends Paid	$3.2M+25.3%	$2.6M-0.2%	$2.6M
Share Buybacks	$0-100.0%	$770K+25.0%	$616K

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$28.3M-131.3%	$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
Capital Expenditures	$508K-36.0%	$794K-30.4%	$1.1M+254.3%	$322K+257.8%	$90K-79.5%	$438K+1427.3%	-$33K-105.9%	$557K
Free Cash Flow	-$28.8M-132.1%	$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
Investing Cash Flow	-$54.5M+88.5%	-$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
Financing Cash Flow	$160.1M-58.6%	$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
Dividends Paid	$859K-0.1%	$860K+0.1%	$859K+34.0%	$641K-0.3%	$643K-0.3%	$645K+1.1%	$638K-0.8%	$643K
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

NPB Financial Ratios

Metric	FY25	FY24	FY23
Gross Margin	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A
Return on Equity	14.7%+2.7pp	11.9%+4.1pp	7.8%
Return on Assets	1.2%+0.1pp	1.1%+0.3pp	0.7%
Current Ratio	N/A	N/A	N/A
Debt-to-Equity	11.34+1.0	10.30+0.2	10.05
FCF Margin	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	N/A	3.6%+0.2pp	3.4%+0.4pp	2.9%	N/A	4.1%+1.1pp	3.0%+0.2pp	2.8%
Return on Assets	N/A	0.3%0.0pp	0.3%+0.0pp	0.3%	N/A	0.4%+0.1pp	0.3%0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.34+1.4	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
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 $83.4M in fiscal year 2025.

Does NORTHPOINTE BANCSHARES INC. pay dividends?

Yes, NORTHPOINTE BANCSHARES INC. (NPB) paid $0.10 per share in dividends during fiscal year 2025.

What is NORTHPOINTE BANCSHARES INC.'s return on equity (ROE)?

NORTHPOINTE BANCSHARES INC. (NPB) has a return on equity of 14.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is NORTHPOINTE BANCSHARES INC.'s free cash flow?

NORTHPOINTE BANCSHARES INC. (NPB) generated $41.5M in free cash flow during fiscal year 2025. This represents a 121.4% 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 $44.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are NORTHPOINTE BANCSHARES INC.'s total assets?

NORTHPOINTE BANCSHARES INC. (NPB) had $7.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are NORTHPOINTE BANCSHARES INC.'s capital expenditures?

NORTHPOINTE BANCSHARES INC. (NPB) invested $2.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does NORTHPOINTE BANCSHARES INC. have outstanding?

NORTHPOINTE BANCSHARES INC. (NPB) had 34M shares outstanding as of fiscal year 2025.

What is NORTHPOINTE BANCSHARES INC.'s debt-to-equity ratio?

NORTHPOINTE BANCSHARES INC. (NPB) had a debt-to-equity ratio of 11.34 as of fiscal year 2025, 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 1.2% for fiscal year 2025, 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 3 out of 9, indicating weak 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 to 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 0.53x, considered mixed quality. 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.

How financially healthy is NORTHPOINTE BANCSHARES INC.?

NORTHPOINTE BANCSHARES INC. (NPB) scores 6 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.