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Northpointe Bancshares, Inc. (NPB)
NYSE:NPB
US Market
NPB
Northpointe Bancshares, Inc.
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Northpointe Bancshares, Inc. (NPB) Ratios

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Northpointe Bancshares, Inc. Ratios

NPB's free cash flow for Q2 2026 was $0.09. For the 2026 fiscal year, NPB's free cash flow was decreased by $ and operating cash flow was $-0.45. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.10 20.90 5.67 4.78
Quick Ratio
 0.00 0.10 20.90 5.60 4.78
Cash Ratio
 0.00 0.10 8.07 5.20 4.24
Solvency Ratio
 0.01 0.01 0.70 0.04 0.02
Operating Cash Flow Ratio
 0.00 <0.01 0.32 -0.06 -0.10
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 -0.80 -4.19
Net Current Asset Value
$ -6.38B$ -5.96B$ 1.21B$ 1.44B$ 2.46B
Leverage Ratios
Debt-to-Assets Ratio
 0.22 0.22 0.02 0.05 0.02
Debt-to-Equity Ratio
 2.66 2.70 0.02 0.08 0.03
Debt-to-Capital Ratio
 0.73 0.73 0.02 0.07 0.03
Long-Term Debt-to-Capital Ratio
 0.73 0.73 0.00 0.03 0.00
Financial Leverage Ratio
 12.31 12.34 1.06 1.52 1.40
Debt Service Coverage Ratio
 0.13 0.38 0.29 0.19 0.32
Interest Coverage Ratio
 0.25 0.48 0.36 0.27 0.51
Debt to Market Cap
 2.79 2.74 0.00 0.41 0.09
Interest Debt Per Share
 54.10 52.82 15.53 20.11 9.50
Net Debt to EBITDA
 17.42 9.17 -6.13 -41.22 -83.23
Profitability Margins
Gross Profit Margin
44.95%50.86%48.01%54.57%78.75%
EBIT Margin
13.80%23.43%18.66%12.33%10.39%
EBITDA Margin
14.14%24.08%19.64%13.44%11.63%
Operating Profit Margin
13.80%23.43%18.66%12.33%10.39%
Pretax Profit Margin
26.96%23.43%18.66%12.33%10.39%
Net Profit Margin
20.25%17.70%14.13%9.31%7.17%
Continuous Operations Profit Margin
20.25%17.70%14.13%9.31%7.17%
Net Income Per EBT
75.10%75.56%75.69%75.55%68.97%
EBT Per EBIT
195.39%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.19%1.19%3.55%1.29%0.57%
Return on Equity (ROE)
14.99%14.66%3.76%1.97%0.80%
Return on Capital Employed (ROCE)
0.81%5.13%4.89%2.03%1.02%
Return on Invested Capital (ROIC)
0.61%3.87%3.69%1.50%0.69%
Return on Tangible Assets
1.19%1.19%3.59%1.35%0.61%
Earnings Yield
15.28%14.87%25.50%15.61%10.74%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 197.74 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 5.69 0.00
Fixed Asset Turnover
 16.43 17.09 14.08 4.37 2.62
Asset Turnover
 0.06 0.07 0.25 0.14 0.08
Working Capital Turnover Ratio
 1.40 -0.13 0.25 0.15 0.18
Cash Conversion Cycle
 0.00 0.00 0.00 66.02 0.00
Days of Sales Outstanding
 0.00 0.00 0.00 1.85 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 64.18 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.00 0.00 66.02 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 2.88 1.32 1.33 -1.62 -5.33
Free Cash Flow Per Share
 2.84 1.24 1.26 -1.80 -5.56
CapEx Per Share
 0.04 0.08 0.07 0.19 0.23
Free Cash Flow to Operating Cash Flow
 0.99 0.94 0.95 1.12 1.04
Dividend Paid and CapEx Coverage Ratio
 13.15 3.12 1.57 -1.60 -3.82
Capital Expenditure Coverage Ratio
 76.70 16.02 18.83 -8.58 -23.44
Operating Cash Flow Coverage Ratio
 0.06 0.03 0.70 -0.18 -1.06
Operating Cash Flow to Sales Ratio
 0.23 0.09 0.05 -0.07 -0.25
Free Cash Flow Yield
16.90%7.40%8.67%-12.44%-38.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.20 7.84 4.60 6.41 9.31
Price-to-Sales (P/S) Ratio
 1.32 1.19 0.55 0.60 0.67
Price-to-Book (P/B) Ratio
 0.96 0.99 0.15 0.13 0.07
Price-to-Free Cash Flow (P/FCF) Ratio
 5.92 13.51 11.53 -8.04 -2.61
Price-to-Operating Cash Flow Ratio
 5.88 12.67 10.92 -8.97 -2.72
Price-to-Earnings Growth (PEG) Ratio
 0.22 0.14 0.05 0.09 -0.06
Price-to-Fair Value
 0.96 0.99 0.15 0.13 0.07
Enterprise Value Multiple
 26.73 14.11 -3.31 -36.78 -77.50
Enterprise Value
 1.67B 1.60B -253.62M -1.79B -2.92B
EV to EBITDA
 26.73 14.11 -3.31 -36.78 -77.50
EV to Sales
 3.78 3.40 -0.65 -4.94 -9.01
EV to Free Cash Flow
 16.99 38.55 -13.52 66.55 35.25
EV to Operating Cash Flow
 16.77 36.15 -12.80 74.31 36.75
Tangible Book Value Per Share
 17.58 16.47 97.27 107.26 176.20
Shareholders’ Equity Per Share
 17.62 17.02 98.43 115.18 195.06
Tax and Other Ratios
Effective Tax Rate
 0.25 0.24 0.24 0.24 0.31
Revenue Per Share
 12.76 14.09 26.17 24.30 21.74
Net Income Per Share
 2.58 2.49 3.70 2.26 1.56
Tax Burden
 0.75 0.76 0.76 0.76 0.69
Interest Burden
 1.95 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.19 0.20 0.20 0.29 0.49
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 1.11 0.53 0.36 -0.71 -3.42
Currency in USD