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

Northpointe Bancshares, Inc. (NPB) Ratios

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Northpointe Bancshares, Inc. Ratios

NPB's free cash flow for Q3 2025 was $0.50. For the 2025 fiscal year, NPB's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 20.90 5.67 4.78 7.66
Quick Ratio
0.00 20.90 5.60 4.78 7.62
Cash Ratio
0.00 8.07 5.20 4.24 5.65
Solvency Ratio
0.01 0.70 0.04 0.02 -0.35
Operating Cash Flow Ratio
0.00 0.32 -0.06 -0.10 -1.54
Short-Term Operating Cash Flow Coverage
0.00 0.00 -0.80 -4.19 0.00
Net Current Asset Value
$ -5.95B$ 1.21B$ 1.44B$ 2.46B$ 586.76M
Leverage Ratios
Debt-to-Assets Ratio
0.22 0.02 0.05 0.02 0.02
Debt-to-Equity Ratio
2.70 0.02 0.08 0.03 0.02
Debt-to-Capital Ratio
0.73 0.02 0.07 0.03 0.02
Long-Term Debt-to-Capital Ratio
0.73 0.00 0.03 0.00 0.00
Financial Leverage Ratio
12.34 1.06 1.52 1.40 1.23
Debt Service Coverage Ratio
0.37 0.29 0.19 0.32 0.00
Interest Coverage Ratio
0.48 0.36 0.27 0.51 0.00
Debt to Market Cap
5.98 0.00 0.41 0.09 0.00
Interest Debt Per Share
117.32 15.53 20.11 9.50 0.53
Net Debt to EBITDA
9.23 -6.13 -41.22 -83.23 9.44
Profitability Margins
Gross Profit Margin
50.86%48.01%54.57%78.75%47.25%
EBIT Margin
23.42%18.66%12.33%10.39%-2652.28%
EBITDA Margin
23.92%19.64%13.44%11.63%-2613.50%
Operating Profit Margin
23.42%18.66%12.33%10.39%-2353.06%
Pretax Profit Margin
23.42%18.66%12.33%10.39%-2652.28%
Net Profit Margin
17.70%14.13%9.31%7.17%-2648.70%
Continuous Operations Profit Margin
17.70%14.13%9.31%7.17%-2648.70%
Net Income Per EBT
75.56%75.69%75.55%68.97%99.86%
EBT Per EBIT
100.00%100.00%100.00%100.00%112.72%
Return on Assets (ROA)
1.19%3.55%1.29%0.57%-6.54%
Return on Equity (ROE)
21.01%3.76%1.97%0.80%-8.03%
Return on Capital Employed (ROCE)
1.57%4.89%2.03%1.02%-6.53%
Return on Invested Capital (ROIC)
15.73%3.69%1.50%0.69%-6.49%
Return on Tangible Assets
1.19%3.55%1.35%0.61%-6.88%
Earnings Yield
32.76%25.50%15.61%10.74%-11.99%
Efficiency Ratios
Receivables Turnover
0.00 0.00 197.74 0.00 0.04
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 5.69 0.00 0.27
Fixed Asset Turnover
17.09 14.08 4.37 2.62 0.09
Asset Turnover
0.07 0.25 0.14 0.08 <0.01
Working Capital Turnover Ratio
-0.25 0.25 0.15 0.18 <0.01
Cash Conversion Cycle
0.00 0.00 66.02 0.00 11.62K
Days of Sales Outstanding
0.00 0.00 1.85 0.00 10.26K
Days of Inventory Outstanding
0.00 0.00 64.18 0.00 1.36K
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 0.00 66.02 0.00 11.62K
Cash Flow Ratios
Operating Cash Flow Per Share
5.46 1.33 -1.62 -5.33 -4.57
Free Cash Flow Per Share
5.30 1.26 -1.80 -5.56 -4.71
CapEx Per Share
0.16 0.07 0.19 0.23 0.14
Free Cash Flow to Operating Cash Flow
0.97 0.95 1.12 1.04 1.03
Dividend Paid and CapEx Coverage Ratio
5.87 1.57 -1.60 -3.82 -32.51
Capital Expenditure Coverage Ratio
34.99 18.83 -8.58 -23.44 -32.51
Operating Cash Flow Coverage Ratio
0.05 0.70 -0.18 -1.06 -8.55
Operating Cash Flow to Sales Ratio
0.17 0.05 -0.07 -0.25 -69.58
Free Cash Flow Yield
31.56%8.67%-12.44%-38.33%-32.48%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
3.11 3.92 6.41 9.31 -8.34
Price-to-Sales (P/S) Ratio
0.55 0.55 0.60 0.67 220.83
Price-to-Book (P/B) Ratio
0.46 0.15 0.13 0.07 0.67
Price-to-Free Cash Flow (P/FCF) Ratio
3.22 11.53 -8.04 -2.61 -3.08
Price-to-Operating Cash Flow Ratio
3.15 10.92 -8.97 -2.72 -3.17
Price-to-Earnings Growth (PEG) Ratio
0.21 0.04 0.09 -0.06 0.05
Price-to-Fair Value
0.46 0.15 0.13 0.07 0.67
Enterprise Value Multiple
11.51 -3.31 -36.78 -77.50 0.99
Enterprise Value
1.29B -253.62M -1.79B -2.92B -56.29M
EV to EBITDA
11.47 -3.31 -36.78 -77.50 0.99
EV to Sales
2.74 -0.65 -4.94 -9.01 -25.96
EV to Free Cash Flow
16.21 -13.52 66.55 35.25 0.36
EV to Operating Cash Flow
15.74 -12.80 74.31 36.75 0.37
Tangible Book Value Per Share
37.71 98.43 107.26 176.20 20.32
Shareholders’ Equity Per Share
37.81 98.43 115.18 195.06 21.66
Tax and Other Ratios
Effective Tax Rate
0.24 0.24 0.24 0.31 <0.01
Revenue Per Share
31.31 26.17 24.30 21.74 0.07
Net Income Per Share
5.54 3.70 2.26 1.56 -1.74
Tax Burden
0.76 0.76 0.76 0.69 1.00
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 13.78
SG&A to Revenue
0.19 0.20 0.29 0.49 10.22
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
1.16 0.36 -0.71 -3.42 0.42
Currency in USD