- ISIN
- US66661N8864
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Feb 14, 2025
Highlights
- Market Cap
- $605.18M
- Enterprise Value
- $66.82M
- EPS (TTM)
- $5.85
- PE Ratio
- 2.99
- PEG Ratio
- 0.08
- Total Revenue (TTM)
- $462.24M
- Gross Profit (TTM)
- $129.35M
- EBITDA (TTM)
- $184.83M
- Year Range
- $14.42 - $19.71
- Target Price
- $22.00
- ROA (TTM)
- 1.19%
- ROE (TTM)
- 14.67%
- Avg. Volume (1M)
- 195K
- Avg. Volume Value (1M)
- $3.49M
Share Price Chart
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Performance
NPB Performance Chart
Northpointe Bancshares, Inc (NPB) is up 4.7% since the beginning of the year. At $18 per share, NPB is trading 11.2% below its 52-week high of $20.
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Returns By Period
Northpointe Bancshares, Inc (NPB) has returned 4.71% so far this year and 21.35% over the past 12 months.
Northpointe Bancshares, Inc
- 1D
- 1.27%
- 1M
- -7.53%
- 6M
- 1.78%
- YTD
- 4.71%
- 1Y
- 21.35%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
- ALL TIME*
- 13.96%
Benchmark (S&P 500 Index)
- 1D
- 0.70%
- 1M
- 0.09%
- 6M
- 7.94%
- YTD
- 9.41%
- 1Y
- 20.07%
- 3Y*
- 17.84%
- 5Y*
- 11.25%
- 10Y*
- 13.26%
- ALL TIME*
- 8.09%
NPB Monthly Returns History
Based on dividend-adjusted daily data since Feb 14, 2025, NPB's average daily return is +0.07%, while the average monthly return is +1.33%. At this rate, an investment would double in approximately 4.4 years.
Historically, 44% of months were positive and 56% were negative. The best month was Aug 2025 with a return of +21.4%, while the worst month was Jul 2026 at -8.6%. The longest winning streak lasted 3 consecutive months, and the longest losing streak was 4 months.
On a daily basis, NPB closed higher 49% of trading days. The best single day was Apr 21, 2025 with a return of +11.7%, while the worst single day was Jul 22, 2026 at -9.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.88% | 4.76% | -4.43% | 3.44% | -4.21% | 12.30% | -8.64% | 4.71% | |||||
| 2025 | -0.68% | -0.41% | -4.58% | -4.44% | 4.34% | 7.25% | 21.39% | -4.15% | -7.07% | 10.03% | -3.78% | 15.52% |
Benchmark Metrics
Northpointe Bancshares, Inc has an annualized alpha of 7.80%, beta of 0.70, and R2 of 0.14 versus S&P 500 Index. Calculated based on daily prices since February 14, 2025.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (65.58%) than losses (44.81%) - typical of diversified or defensive assets.
- Beta of 0.70 may look defensive, but with R2 of 0.14 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R2 of 0.14 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 7.80%
- Beta
- 0.70
- R²
- 0.14
- Upside Capture
- 65.58%
- Downside Capture
- 44.81%
Return for Risk
Risk / Return Rank
NPB ranks 65 for risk / return — above 65% of stocks peers on PortfoliosLab. Its historical combined result is above most peers.
Risk / Return Metrics
The table below present risk-adjusted performance metrics for Northpointe Bancshares, Inc (NPB) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| NPB | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.75 | ||
| Sortino ratioReturn per unit of downside risk | -0.92 | ||
| Omega ratioGain probability vs. loss probability | 1.13 | 1.25 | -0.12 |
| Calmar ratioReturn relative to maximum drawdown | 1.31 | 2.00 | -0.70 |
| Martin ratioReturn relative to average drawdown | 2.65 | 8.49 | -5.84 |
Dividends
Dividend History
Northpointe Bancshares, Inc provided a 0.57% dividend yield over the last twelve months, with an annual payout of $0.10 per share.
| Period | TTM | 2025 |
|---|---|---|
| Dividend | $0.10 | $0.08 |
Dividend yield | 0.57% | 0.45% |
Monthly Dividends
The table displays the monthly dividend distributions for Northpointe Bancshares, Inc. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.03 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.03 | $0.08 | |||||
| 2025 | $0.03 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.08 |
Dividend Yield & Payout
Dividend Yield
Northpointe Bancshares, Inc has a dividend yield of 0.57%, which signifies it pays a smaller percentage of its stock price in dividends to its shareholders compared to other companies in the market.
Payout Ratio
Northpointe Bancshares, Inc has a payout ratio of 10.53%, which is below the market average. This means Northpointe Bancshares, Inc returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Northpointe Bancshares, Inc. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Northpointe Bancshares, Inc was 19.58%, occurring on Apr 17, 2025. Recovery took 52 trading sessions.
The current Northpointe Bancshares, Inc drawdown is 9.25%.
Drawdown | Fall | Recovery | Underwater | Related event |
|---|---|---|---|---|
-19.58%Apr 2025 | 1mo | 2mo 17d | 3mo 17dMar 2025 - Jul 2025 | 2025 selloff2025 |
-15.27%Nov 2025 | 1mo 29d | 2mo 10d | 4mo 9dSep 2025 - Jan 2026 | — |
-13.02%Mar 2026 | 1mo 26d | 25d | 2mo 21dJan 2026 - Apr 2026 | — |
-12.36%Jul 2026 | 20d | — | 1mo 1dJul 2026 - now | — |
-12.19%Jun 2026 | 1mo 13d | 28d | 2mo 11dApr 2026 - Jul 2026 | — |
Drawdown Indicators
| NPB | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.58% | -56.78% | +37.20% |
Max Drawdown (1Y)Largest decline over 1 year | -15.27% | -9.10% | -6.17% |
Max Drawdown (3Y)Largest decline over 3 years | — | -18.90% | — |
Max Drawdown (5Y)Largest decline over 5 years | — | -25.43% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -9.25% | -1.58% | -7.67% |
Average DrawdownAverage peak-to-trough decline | -6.06% | -10.70% | +4.64% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.52% | 2.14% | +5.38% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Northpointe Bancshares, Inc over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Northpointe Bancshares, Inc is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for NPB, comparing it with other companies in the Banks - Regional industry. Currently, NPB has a P/E ratio of 3.0. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for NPB compared to other companies in the Banks - Regional industry. NPB currently has a PEG ratio of 0.1. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for NPB relative to other companies in the Banks - Regional industry. Currently, NPB has a P/S ratio of 0.6. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for NPB in comparison with other companies in the Banks - Regional industry. Currently, NPB has a P/B value of 0.4. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.
Income Statement
| TTM | |
|---|---|
Revenue | |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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