Northpointe Bancshares, Inc. (NPB) Stock Score, Valuation & Financial Research
Northpointe Bancshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 62/100.
Quick answer for NPB
Northpointe Bancshares, Inc. currently has a Wall Street Score of 62/100. The stored market price is $16.98. Its financial score is 26/100. Its valuation score is 100/100. The latest WSS change is -2.4 points. These figures are a research snapshot, not a buy or sell recommendation.
What Northpointe Bancshares, Inc. does
Northpointe Bancshares, Inc. serves as the parent company for Northpointe Bank, offering a broad spectrum of financial products and banking services throughout the United States. The organization's activities are structured into two main divisions: its Mortgage Purchase Program and Retail Banking. Customers can access digital deposit solutions such as non-interest-bearing accounts, savings accounts, money market demand accounts, and certificates of deposit. Furthermore, the company extends services to individual and business clients, provides health savings accounts, facilitates home financing, manages a dedicated mortgage purchase program, engages in residential mortgage lending, and offers custodial deposit services. Founded in 1998, Northpointe Bancshares, Inc. is based in Grand Rapids, Michigan.
NPB financial snapshot
- Wall Street Score:
- 62/100
- Current price:
- $16.98
- Market capitalization:
- $585.7M
- Revenue:
- $443.1M
- Net income:
- $89.7M
- Free cash flow:
- $41.5M
- Cash:
- $538.4M
- Total debt:
- $1.63B
- EPS:
- 2.35
- P/E ratio:
- 7.2x
- Financial score:
- 26/100
- Valuation score:
- 100/100
- Revenue score:
- 42/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $41.5M, showing positive cash generation.
- The balance sheet shows $538.4M of cash versus $1.63B of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -2.4 points: NPB decreased 2.4 points because Revenue declined by 9.6 points, Capital declined by 39 points.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 26/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-13.
How to research NPB
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.