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

FY2025 annual

Revenue Not reported for FY2025

Net Income $83.4M +51.2% YoY

EPS (Diluted) $2.11 +15.3% YoY

Free Cash Flow $41.5M +121.4% YoY

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 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).

Rhea AI NPB FY2025 2026-05-14

Northpointe’s earnings engine is a balance-sheet spread business funded by rapid liability growth, not a traditional expense-led operator.

In FY2025, a $1.7B financing inflow almost offset a $1.6B investing outflow, so the big cash-flow movements mainly show the balance sheet getting larger rather than core profitability suddenly changing. That matters because ROE climbed to 14.7% while ROA reached only 1.2%, which means shareholder returns improved partly through heavier leverage rather than through a dramatic jump in asset-level earning power.

From FY2024 to FY2025, total assets expanded by $1.8B while equity increased by only $106.6M, meaning most new growth was funded by liabilities instead of internally accumulated capital. That pushed reported debt-to-equity from 10.3x to 11.3x, making returns more responsive to even small changes in how well the asset base performs.

The company is light on physical reinvestment: capital spending was just $2.8M against a $7.0B asset base in FY2025, so expansion does not depend on building out hard assets. Meanwhile, net income rose to $83.4M even with 34.5M shares outstanding, implying the business produced enough additional profit to offset dilution at the per-share level.

Financial Health Signals

Financial health score pending refresh

We are recalculating NORTHPOINTE BANCSHARES INC.'s peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Piotroski F-Score Partial

3/5

NORTHPOINTE BANCSHARES INC. passes 3 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 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

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.

Revenue

Not reported for fiscal year 2025.

EBITDA

Not reported for fiscal year 2025.

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 as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.10

YoY0.0%

NORTHPOINTE BANCSHARES INC. paid $0.10 per share in dividends in fiscal year 2025. That is unchanged 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

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Net Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

YoY-100.0%

NORTHPOINTE BANCSHARES INC. repurchased no shares in fiscal year 2025. 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.

R&D Spending

Not reported for fiscal year 2025.

NPB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

NPB annual income statement

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

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
SG&A Expenses	$24.4M	N/A	$24.3M+9.5%	$22.2M+8.8%	$20.4M	N/A	$20.8M+3.8%	$20.0M
Interest Expense	$60.2M	N/A	$61.5M+8.7%	$56.6M+16.0%	$48.8M	N/A	$54.9M+9.2%	$50.3M
Income Tax	$7.3M	N/A	$7.0M+11.0%	$6.3M+18.0%	$5.3M	N/A	$5.9M+41.4%	$4.2M
Net Income	$22.2M	N/A	$22.2M+9.0%	$20.3M+18.0%	$17.2M	N/A	$18.7M+41.4%	$13.2M
EPS (Diluted)	$0.62	N/A	$0.57+11.8%	$0.51+4.1%	$0.49	N/A	$0.66+50.0%	$0.44

Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q2 FY2025 through Q1 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

NPB Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

NPB annual balance sheet

Metric	FY25	FY24	FY23
Total Assets	$7.0B+34.4%	$5.2B+9.8%	$4.8B
Cash & Equivalents	$496.5M+31.9%	$376.3M+6.9%	$351.9M
Total Liabilities	$6.5B+35.5%	$4.8B+10.0%	$4.3B
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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$7.4B+5.3%	$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
Cash & Equivalents	$487.6M-1.8%	$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
Total Liabilities	$6.8B+5.5%	$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
Total Equity	$590.0M+3.7%	$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
Retained Earnings	$385.2M+5.7%	$364.4M+5.1%	$346.8M+5.9%	$327.6M+5.5%	$310.4M+4.9%	$296.0M	N/A	N/A

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.

NPB Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

NPB annual cash flow statement

Metric	TTM	FY25	FY24	FY23
Operating Cash Flow	$27.6M	$44.3M+123.6%	$19.8M-96.1%	$504.2M
Capital Expenditures	$2.9M	$2.8M+162.8%	$1.1M-62.5%	$2.8M
Free Cash Flow	$24.7M	$41.5M+121.4%	$18.8M-96.3%	$501.4M
Investing Cash Flow	-$1.3B	-$1.6B-255.7%	-$458.2M+39.0%	-$750.7M
Financing Cash Flow	$1.4B	$1.7B+268.5%	$462.8M+42.8%	$324.2M
Dividends Paid	$3.4M	$3.2M+25.3%	$2.6M-0.2%	$2.6M
Share Buybacks	N/A	$0-100.0%	$770K+25.0%	$616K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$37.7M+233.4%	-$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
Capital Expenditures	$417K-17.9%	$508K-36.0%	$794K-30.4%	$1.1M+254.3%	$322K+257.8%	$90K-79.5%	$438K+1227.3%	-$33K
Free Cash Flow	$37.3M+229.6%	-$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
Investing Cash Flow	-$388.8M-613.3%	-$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
Financing Cash Flow	$342.3M+113.9%	$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
Dividends Paid	$861K+0.2%	$859K-0.1%	$860K+0.1%	$859K+34.0%	$641K-0.3%	$643K-0.3%	$645K+1.1%	$638K

NPB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

NPB annual financial ratios

Metric	FY25	FY24	FY23
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%
Debt-to-Equity	11.34+1.0x	10.30+0.2x	10.05

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Return on Equity	3.8%	N/A	3.6%+0.2pp	3.4%+0.4pp	2.9%	N/A	4.1%+1.1pp	3.0%
Return on Assets	0.3%	N/A	0.3%0.0pp	0.3%0.0pp	0.3%	N/A	0.4%+0.1pp	0.3%
Debt-to-Equity	11.54+0.2x	11.34+1.4x	9.97+0.3x	9.64+0.7x	8.99-1.3x	10.30-0.5x	10.84+0.1x	10.72

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Current Ratio, FCF Margin.

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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 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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.