# Northpointe Bancshares Inc. (NPB) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $17.28, market value $598 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: 1.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 17.0%** (5-yr avg 7.3%). Free cash flow equals 17.0% 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: 13.4%**. The inverse of the P/E: 13.4% 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: 0.58%** ($0.10 per share, trailing). Northpointe Bancshares Inc. yields 0.58%, 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.

## Price and momentum
- **Total return (1 yr): -5.8%** (YTD 3.4%, 3-mo -0.8%). The shares are down 5.8% over twelve months including dividends.
- **From 52-week high: -12.3%** (12.1% above the low). Trading 12% 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): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.71** (volatility 29%). Beta of 0.71 against the S&P 500: the shares move roughly with the market.

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

Not investment advice.