Northpointe Bancshares Inc (NPB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Northpointe Bancshares reported revenue of $241.7M, up 29.2% from $187.1M the year before. Net income was $83.4M (a 34.5% net margin), or $2.11 per diluted share. Net interest income was $150.7M, and the efficiency ratio (noninterest expense / revenue) was 53.5%. Operating activities generated $44.3M of cash, leaving $41.5M of free cash flow. At fiscal year end, Northpointe Bancshares held $7.02B in total assets against $6.45B in total liabilities, including $496.5M of cash and equivalents.
Open the full interactive Northpointe Bancshares financials → Quarterly statements, key ratios, valuation history and price charts.
Northpointe Bancshares Key Stats
| Share Price | $15.82 |
|---|---|
| Market Cap | $560.3M |
| P/E Ratio | 7.5 |
| Revenue YoY Growth | +29.2% |
| 52-Week Range | $14.57 – $19.28 |
| Shares Outstanding | 34.7 million (basic, 2026 Q2) |
Northpointe Bancshares Income Statement
| FY 2024 | FY 2025 | |
|---|---|---|
| Net Interest Income | $114.2M | $150.7M |
| Provision for Credit Losses | -$328,000 | $2.1M |
| Noninterest Income | $72.9M | $91.0M |
| Noninterest Expense | $114.6M | $129.2M |
| Revenue | $187.1M | $241.7M |
| Pre-Tax Income | $72.9M | $110.4M |
| Income Tax | $17.7M | $27.0M |
| Net Income | $55.2M | $83.4M |
| Diluted EPS | $1.83 | $2.11 |
Northpointe Bancshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $64.4M | $65.1M | $63.4M | $64.3M |
| Net Income | $22.2M | $23.6M | $22.2M | $21.7M |
| Diluted EPS | $0.57 | $0.70 | $0.62 | $0.60 |
Northpointe Bancshares Balance Sheet
| FY 2024 | FY 2025 | |
|---|---|---|
| Cash & Equivalents | $376.3M | $496.5M |
| Loans (Net) | $4.42B | $6.01B |
| Total Assets | $5.22B | $7.02B |
| Deposits | $3.42B | $4.87B |
| Total Long-Term Debt | $1.26B | $1.42B |
| Total Liabilities | $4.76B | $6.45B |
| Shareholders' Equity | $462.5M | $569.0M |
Northpointe Bancshares Cash Flow Statement
| FY 2024 | FY 2025 | |
|---|---|---|
| Cash From Operations | $19.8M | $44.3M |
| Cash From Investing | -$458.2M | -$1.63B |
| Cash From Financing | $462.8M | $1.71B |
| Free Cash Flow | $18.8M | $41.5M |
Figures from Northpointe Bancshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Northpointe Bancshares financials page for every line item.
Northpointe Bancshares Company Profile
| Ticker | NPB |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Grand Rapids, Michigan |
| Incorporated in | Michigan |
| SEC Filer Category | Emerging growth company |
| SEC CIK | 0001336706 |
Frequently Asked Questions
What was Northpointe Bancshares' revenue in fiscal 2025?
Northpointe Bancshares (NPB) reported revenue of $241.7M for fiscal 2025.
What was Northpointe Bancshares' net income in fiscal 2025?
Northpointe Bancshares reported net income of $83.4M for fiscal 2025.
What was Northpointe Bancshares' earnings per share (EPS) in fiscal 2025?
Northpointe Bancshares' diluted EPS was $2.11 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Northpointe Bancshares generate in fiscal 2025?
Northpointe Bancshares generated $41.5M of free cash flow in fiscal 2025.
What was Northpointe Bancshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), Northpointe Bancshares reported revenue of $64.3M.
How much debt does Northpointe Bancshares have?
Northpointe Bancshares reported $1.42B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Northpointe Bancshares are outstanding?
Northpointe Bancshares reported a weighted average of 34.7 million basic shares outstanding in 2026 Q2.
What is Northpointe Bancshares' market cap?
Based on its latest closing price, Northpointe Bancshares (NPB) has a market capitalization of about $560.3M.
Where is Northpointe Bancshares headquartered?
Northpointe Bancshares lists its business address in Grand Rapids, Michigan in its SEC filings.