Northpointe Bancshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Northpointe Bancshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 87% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 3/3Sales grew in 1 of the last 3 years; profit grew in 3 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 6%
Sales fell 6% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-6% / +60%In 3 years sales changed by -6% while total assets changed by +60%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 87% of Financial Services companies in United States.
Tangible Net Worth Ratio
97%Of every $100 of net worth, $97 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 82% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Northpointe Bancshares, Inc. owes $0.92 for every $1 it owns. Net profit rose 51% in the year to Dec 2025, and grew 53% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
7.2Investors pay $7.2 for every $1 of Northpointe Bancshares, Inc.'s yearly profit, lower than 89% of Financial Services companies in United States.
P/B ratio
0.87The share price is 0.87 times Northpointe Bancshares, Inc.'s book value per share, lower than 80% of Financial Services companies in United States.
Market cap
$534 MThe total market value of all of Northpointe Bancshares, Inc.'s shares at today's price (share price × number of shares), smaller than 57% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$612 MWhat Northpointe Bancshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$17.69Net worth divided by the number of shares. The share price of $15.45 is 0.9 times this, which is the P/B above.
Return on equity (ROE)
13.1%Northpointe Bancshares, Inc. earned 13.1% on its shareholders' money over the last year, higher than 68% of Financial Services companies in United States.
Owes vs Owns
0.92×Northpointe Bancshares, Inc. owes $0.92 for every $1 it owns (high), higher than 91% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
0.79%Northpointe Bancshares, Inc. pays 0.79% of its share price as dividends a year, lower than 93% of dividend-paying Financial Services companies in United States.
Revenue growth
+29%Revenue rose 29% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Profit growth
+51%Net profit rose 51% in the year to Dec 2025, and grew 53% a year on average over 3 years.
Profit margin
34.5%Northpointe Bancshares, Inc. keeps $35 of every $100 of revenue as net profit.
Questions
What is Northpointe Bancshares, Inc.'s P/E ratio?
Investors pay $7.2 for every $1 of Northpointe Bancshares, Inc.'s yearly profit, lower than 89% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Northpointe Bancshares, Inc.: $534 M ÷ $612 M (30 Jun 2026) = 0.9.
What is Northpointe Bancshares, Inc.'s return on equity?
Northpointe Bancshares, Inc. earned 13.1% on its shareholders' money over the last year, higher than 68% of Financial Services companies in United States.
How much does Northpointe Bancshares, Inc. owe compared with what it owns?
Northpointe Bancshares, Inc. owes $0.92 for every $1 it owns (high), higher than 91% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Northpointe Bancshares, Inc. pay a dividend?
Yes. Northpointe Bancshares, Inc. pays 0.79% of its share price as dividends a year, lower than 93% of dividend-paying Financial Services companies in United States.
Is Northpointe Bancshares, Inc.'s revenue growing?
Revenue rose 29% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.