20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Northpointe Bancshares, Inc. (NPB) operates in the BANKS - REGIONAL industry and is headquartered in Grand Rapids, United States with about 483 employees. Its market capitalization is roughly $545 million. In the fiscal year ended 2025-12-31, NPB reported $471M in revenue and $83M in net income.
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.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|
| Total Revenue | $443M | $471M | $390M | $362M | $324M | $2M | $36M |
| Gross Profit | $199M | $240M | $187M | $198M | $255M | $1M | $36M |
| Gross Margin % | 45.0% | 50.9% | 48.0% | 54.6% | 78.8% | 47.2% | 100.0% |
| Operating Income (EBIT) | $61M | $110M | $73M | $45M | $34M | ($51M) | $4M |
| Operating Margin % | 13.8% | 23.4% | 18.7% | 12.3% | 10.4% | -2353.1% | 10.1% |
| Net Income | $90M | $83M | $55M | $34M | $23M | ($57M) | $11M |
| Net Margin % | 20.2% | 17.7% | 14.1% | 9.3% | 7.2% | -2648.7% | 30.5% |
| EBITDA | $63M | $113M | $77M | $49M | $38M | ($57M) | $12M |
| Earnings Per Share (EPS) | $2.54 | $2.46 | $1.61 | $0.98 | $0.68 | $-0.76 | $0.16 |
| Shares Outstanding (M) | 35M | 34M | 34M | 34M | 34M | 76M | 68M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | — | $66M | $124M | $128M | $126M | $116M | $102M | $96M | $109M |
| Gross Profit | — | $6M | $64M | $66M | $64M | $58M | $52M | $44M | $54M |
| Gross Margin % | — | 8.8% | 51.7% | 51.5% | 50.5% | 50.5% | 50.9% | 45.8% | 49.5% |
| Operating Income (EBIT) | — | ($29M) | $29M | $32M | $29M | $27M | $23M | $15M | $25M |
| Operating Margin % | — | -44.9% | 23.8% | 25.0% | 23.2% | 23.1% | 22.1% | 15.2% | 22.6% |
| Net Income | — | $22M | $22M | $24M | $22M | $20M | $17M | $11M | $19M |
| Net Margin % | — | 33.2% | 17.9% | 18.5% | 17.6% | 17.6% | 16.9% | 11.4% | 17.1% |
| EBITDA | — | ($29M) | $30M | $32M | $30M | $27M | $23M | $16M | $26M |
| Earnings Per Share (EPS) | $0.39 | $0.62 | $0.63 | $0.67 | $0.63 | $0.58 | $0.57 | $0.43 | $0.55 |
| Shares Outstanding (M) | — | 35M | 35M | 35M | 35M | 35M | 30M | 26M | 34M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $104M | $44M | $20M | ($24M) | ($80M) | ($151M) | $63M |
| Capital Expenditures (CapEx) | $2M | $3M | $1M | $3M | $3M | $5M | $1M |
| Free Cash Flow (FCF) | $102M | $42M | $19M | ($27M) | ($83M) | ($156M) | $62M |
| FCF Margin % | — | — | — | — | — | — | — |
| Dividends Paid | $8M | $11M | $12M | $12M | $17M | — | — |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $4M | $38M | ($28M) | $90M | ($72M) | $54M | $11M | $45M |
| Capital Expenditures (CapEx) | $0M | $1M | $1M | $1M | $1M | $0M | $0M | $0M |
| Free Cash Flow (FCF) | $4M | $37M | ($29M) | $90M | ($73M) | $54M | $11M | $45M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $1M | $1M | $3M | $3M | $3M | $3M | $3M | $3M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|
| Total Assets | $7.5B | $7.0B | $5.2B | $2.6B | $4.1B | $879M | $968M |
| Cash & Cash Equivalents | $538M | $496M | $376M | $2.1B | $3.2B | $553M | $728M |
| Total Liabilities | $6.9B | $6.5B | $4.8B | $895M | $1.2B | $163M | $108M |
| Total Debt (Short + Long-Term) | $1.6B | $517M | $1.3B | $1.4B | $1.0B | $5M | $1M |
| Total Shareholders' Equity | $612M | $569M | $462M | $1.7B | $2.9B | $715M | $860M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive NPB viewer.
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