profit from every $100 of sales.
$0$100
Northpointe Bancshares
$15.77-0.44% today
-6.3% in 1 year
1-year low $14.571-year high $19.31
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $6.54 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Northpointe Bancshares sold, what it kept, and what it did with the cash.
Sales went from $258 million in 2022 to $242 million in 2025, with $83.4 million of profit last year.
SalesProfit
Northpointe Bancshares handed back more cash to shareholders than it generated last year.
Buybacks $82M
Free cash flow 2025$41M
Bought back its own shares$82M
Paid as dividends$11M
Cash vs. debt$496M vs. $1.5B
Northpointe Bancshares vs. similar companies
Northpointe Bancshares grows the slowest of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Northpointe Bancshares | 6.5× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Northpointe Bancshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 258 | 196 | 187 | 242 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 23 | 34 | 55 | 83 | |
| 0.40 | 0.70 | 1.37 | 2.11 | |
| – | – | – | – | |
| – | – | – | – | |
| 9.0% | 17.2% | 29.5% | 34.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 4,400 | 4,758 | 5,224 | 7,023 |
| Cash | 274 | 352 | 376 | 496 |
| Total debt | 981 | 1,314 | 1,303 | 1,536 |
| Total liabilities | 3,983 | 4,328 | 4,762 | 6,454 |
| 417 | 431 | 462 | 569 | |
| 34 | 34 | 34 | 34 | |
| – | – | – | – | |
| 5.6% | 7.8% | 11.9% | 14.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,352 | 504 | 20 | 44 | |
| 5 | 6 | 1 | 3 | |
| 1,347 | 499 | 19 | 41 | |
| Dividends paid | 17 | 12 | 12 | 11 |
| 1 | 1 | 12 | 82 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 6.5×
- 5.8×
- 0.09
- 0.5×
- 2.3×
- 15.3%
- 0.6%
Profitability
- 34.5%
- 16.9%
- 0.5%
- 17.8%
- 1.2%
Growth
- −2.1%
- +74.7%
- –
- −18.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 12%of 749
Top 45%of 604
Top 10%of 872
Bottom 18%of 883
Top 34%of 931
What analysts expect
- Average price target
- $20.00
- Range
- $20.00 – $20.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 21, 2026 | 0.62 | 0.66 | −6.1% |
| Jan 20, 2026 | 0.52 | 0.60 | −13.3% |
| Oct 21, 2025 | 0.57 | 0.56 | +1.8% |
| Jul 22, 2025 | 0.51 | 0.51 | +0.0% |
| Apr 22, 2025 | 0.49 | 0.48 | +2.1% |
| Apr 4, 2025 | -0.11 | -0.06 | −83.3% |
| Nov 14, 2024 | -0.25 | -0.16 | −56.3% |
| Aug 28, 2024 | -0.07 | -0.51 | +86.3% |
0.6%of the share price, paid each year
On $1,000 invested$6a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
13.7% of its profit
Room to growStretchedMore than it earns: 27.7%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
40No pass
Benjamin Graham
55No pass
Philip Fisher
65Pass
Peter Lynch
75Pass
Joel Greenblatt
51No pass
Charlie Munger
46No pass
Terry Smith
33No pass
Questions about Northpointe Bancshares
Is Northpointe Bancshares a good stock to buy?
A strong, very profitable business, and the price looks low. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Northpointe Bancshares AI analysis
What does Northpointe Bancshares do?
Northpointe Bancshares, Inc. operates as the bank holding company for Northpointe Bank provides various banking products and services in the United States. It operates through two segments: Mortgage Purchase Program and Retail Banking. It is in Banks - Regional.
Does Northpointe Bancshares pay a dividend?
Yes. At today's price the dividend is 0.6% a year, about 14% of its yearly profit. In 2025 it paid out $11.4 million in dividends.
Is Northpointe Bancshares stock halal?
No. Northpointe Bancshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Northpointe Bancshares stock done over the past year?
Down 6.3% over the past twelve months, to $15.77. It traded between $14.57 and $19.31 and is 18.3% below its high.
Who are Northpointe Bancshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Northpointe Bancshares's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.