Northpointe Bancshares

NPB

Banks - Regional · Financial Services

Price

$18.79

-0.37 (-1.93%)

Market Cap

$282.5M

Exchange

New York Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−55.4% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 33.0M (2021) → 14.7M (2025)

Northpointe Bancshares is a regional bank holding company based in Michigan. It operates through Northpointe Bank, which offers personal banking products like savings accounts, mortgages, and home loans, as well as services for small and mid-sized businesses. The bank is known for its focus on residential mortgage lending, serving customers primarily in the Midwest.

The company makes money mainly through interest income — it earns the difference between what it pays depositors and what it charges borrowers on loans. It also generates fee income from mortgage origination and servicing. With a market cap of around $300 million, Northpointe is a smaller community-focused bank competing against both large national banks and other regional lenders. Its main competitive edge comes from its mortgage expertise and local customer relationships. The biggest risk the bank faces is rising interest rates, which can squeeze the gap between borrowing and lending rates and slow down mortgage demand.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+21.4% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+26.1% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

64.2%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$7.3B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Northpointe Bancshares is a rare growth stock that's already generating positive cash flow while growing at 21%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

51.7%

Healthy — 51.7% gross margin

Operating Margin

23.8%

Excellent — 23.8% operating margin

ROCE

1.3%

Weak — 1.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+22.3%

Fast-growing sales (22.3% YoY)

EPS YoY

+42.1%

Earnings growing fast (42.1% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

31%

Weak — only 31% of profit becomes cash

FCF Margin

5.1%

Thin free cash flow (5.1%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

2.96

Heavy debt load (2.96)

Interest Cover

0.49x

Dangerous — barely covers interest (0.5x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

3.6x

Attractive valuation — P/E 3.6

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-3.4

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

0.53%

Small dividend — 0.53% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

N/A

no trend

Data not available

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