# Northpointe Bancshares Inc. (NPB) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Banks. Price $15.75, market value $545 million.

## Valuation
- **P/E (trailing): 7.4×** (5-yr avg 7.9×, 3-yr avg 7.9×). Northpointe Bancshares Inc. trades at 7.4× trailing earnings, close to its own five-year average of 7.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.41**. A PEG of 0.41 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 18.7%** (5-yr avg 7.3%). Free cash flow equals 18.7% of the market value, above its five-year average of 7.3%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 13.6%**. The inverse of the P/E: 13.6% of the price is earned each year.

## Profitability
- **Return on equity: 14.7%**. 14.7% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 15.3%**. Earnings per share rose 15.3%.

## Dividends
- **Dividend yield: 0.76%** ($0.10 per share, trailing). Northpointe Bancshares Inc. yields 0.76%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 4%** (3% of free cash flow). 4% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.

## Analyst view
- **Analyst consensus: buy** (3 analysts). 3 analysts cover Northpointe Bancshares Inc.; the consensus is buy, with an average price target of $18.08 (+15% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -0.2%** (YTD -5.8%, 3-mo -9.7%). The shares are down 0.2% over twelve months including dividends.
- **From 52-week high: -20.1%** (14.1% above the low). Trading 20% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.67** (volatility 29%). Beta of 0.67 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=NPB · Page: https://foliofundamentals.com/stocks/npb

Not investment advice.