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Northpointe Bancshares, Inc. (NPB)
NYSE:NPB
Earnings Data
Report Date
Apr 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.63Last Year’s EPS
0.49Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call communicated strong operational and financial progress: significant balance sheet growth (assets +~$1.8B+ year-over-year), solid earnings momentum (EPS +15%), expansion of the high-yield MPP business, improving deposit relationships, and constructive 2026 guidance for MPP/AIO growth, fee income, and NIM. Challenges disclosed were relatively manageable in magnitude: modestly higher net charge-offs and nonperforming assets tied to seasoning, continued reliance on wholesale funding (wholesale funding ratio 64.6%), some quarterly volatility in gain-on-sale revenue, and anticipated higher noninterest expense and FDIC/insurance costs in 2026. Overall, the positive operational execution, clear growth targets and improved profitability metrics materially outweigh the limited credit seasoning and funding-mix risks discussed on the call.Company Guidance
Strong Balance Sheet Growth
Total assets grew from $5.2 billion at year-end 2024 to over $7.0 billion at December 31, 2025, driven largely by growth in the Mortgage Purchase Program (MPP).
Earnings and Profitability Improvement
Earnings per diluted share increased 15% from $1.83 (2024) to $2.11 (2025). Return on average assets improved from 1.08% to 1.33%, and return on average tangible common equity improved from 13.94% to 14.43% year-over-year.
Tangible Book Value Growth
Tangible book value per share increased by 13.9% on an annual basis after adding back the impact of dividends paid.
Robust MPP (Mortgage Purchase Program) Expansion
MPP balances increased by over $1.7 billion year-over-year. Average MPP balances rose by $410.2 million quarter-over-quarter and period-ending balances increased $60.1 million QoQ. MPP participations rose to $457.0 million (from $37.5 million the prior quarter). Average MPP yields were 6.98% for the quarter (7.22% including fees).
Residential Mortgage Originations Growth
Residential mortgage originations increased 20% year-over-year to $2.5 billion for 2025. Fourth-quarter closings were $762.0 million, up from $636.6 million in Q3 2025.
Deposit Base Expansion and New Relationships
Total deposits increased to $4.9 billion from $4.8 billion QoQ. New relationships and a digital deposit partnership contributed over $500 million in core deposits during 2025; a single digital deposit relationship drove a $234.2 million increase in savings and money market balances QoQ.
Fee Income and Servicing Growth
Noninterest income increased $18 million from 2024 overall (driven by residential lending). Q4 loan servicing fees (excluding negative MSR fair value adjustment) were $2.2 million, up from $2.0 million QoQ. Company serviced 15,200 loans with total UPB of $4.9 billion and added 5 new servicing relationships plus 2 securitizations in 2025.
Capital Optimization and EPS Adjustment
Management replaced a significant portion of preferred stock with subordinated debt in Q4 2025 to optimize capital and reduce 2026 costs. Q4 included $3.2 million of unamortized deal issuance expense; excluding that item, Q4 EPS would have been $0.61 (vs. reported $0.52), and 2025 EPS excluding that item would have been $2.20.
Net Interest Income and Margin Stability
Net interest income increased $3.2 million QoQ, and net interest margin was 2.51% in Q4 2025 (2.45% for full-year 2025). Management guides FY2026 NIM in the 2.45%–2.55% range, citing favorable loan mix shift toward higher-yield MPP/AIO loans and expected Fed cuts.
Forward Guidance and Growth Targets for 2026
Management expects MPP period-ending balances of $4.1 billion to $4.3 billion by year-end 2026 (with $300M–$500M average participations), AIO balances of $900M–$1.0B, saleable mortgage originations of $2.2B–$2.4B with all-in margins of 2.75%–3.25%, MPP fees of $9M–$11M, and servicing revenue of $9M–$11M for 2026.
NPB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
NPB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 20, 2026 | $18.06 | $18.22 | +0.89% |
Oct 21, 2025 | $16.83 | $16.63 | -1.19% |
Jul 22, 2025 | $14.92 | $14.94 | +0.13% |
Apr 22, 2025 | $12.93 | $13.59 | +5.08% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Northpointe Bancshares, Inc. (NPB) report earnings?
Northpointe Bancshares, Inc. (NPB) is schdueled to report earning on Apr 28, 2026, After Close (Confirmed).
What is Northpointe Bancshares, Inc. (NPB) earnings time?
Northpointe Bancshares, Inc. (NPB) earnings time is at Apr 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is NPB EPS forecast?
NPB EPS forecast for the fiscal quarter 2026 (Q1) is 0.63.