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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 Q4 2025 was $0.51. For the 2025 fiscal year, NPB's free cash flow was decreased by $ and operating cash flow was $0.25. 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
$ -6.31B$ -5.96B$ 1.21B$ 1.44B$ 2.46B
Leverage Ratios
Debt-to-Assets Ratio
 0.24 0.22 0.02 0.05 0.02
Debt-to-Equity Ratio
 2.96 2.70 0.02 0.08 0.03
Debt-to-Capital Ratio
 0.75 0.73 0.02 0.07 0.03
Long-Term Debt-to-Capital Ratio
 0.75 0.73 0.00 0.03 0.00
Financial Leverage Ratio
 12.54 12.34 1.06 1.52 1.40
Debt Service Coverage Ratio
 0.37 0.36 0.29 0.19 0.32
Interest Coverage Ratio
 0.49 0.48 0.36 0.27 0.51
Debt to Market Cap
 6.59 6.30 0.00 0.41 0.09
Interest Debt Per Share
 131.85 121.48 15.53 20.11 9.50
Net Debt to EBITDA
 10.62 9.42 -6.13 -41.22 -83.23
Profitability Margins
Gross Profit Margin
51.06%50.86%48.01%54.57%78.75%
EBIT Margin
23.77%23.43%18.66%12.33%10.39%
EBITDA Margin
24.08%23.43%19.64%13.44%11.63%
Operating Profit Margin
23.77%23.43%18.66%12.33%10.39%
Pretax Profit Margin
23.77%23.43%18.66%12.33%10.39%
Net Profit Margin
17.91%17.70%14.13%9.31%7.17%
Continuous Operations Profit Margin
17.91%17.70%14.13%9.31%7.17%
Net Income Per EBT
75.34%75.56%75.69%75.55%68.97%
EBT Per EBIT
100.00%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)
17.85%14.66%3.76%1.97%0.80%
Return on Capital Employed (ROCE)
1.58%5.13%4.89%2.03%1.02%
Return on Invested Capital (ROIC)
16.94%3.87%3.69%1.50%0.69%
Return on Tangible Assets
1.19%1.19%3.55%1.35%0.61%
Earnings Yield
33.09%34.20%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
 18.00 17.09 14.08 4.37 2.62
Asset Turnover
 0.07 0.07 0.25 0.14 0.08
Working Capital Turnover Ratio
 -0.25 -0.30 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
 2.94 3.05 1.33 -1.62 -5.33
Free Cash Flow Per Share
 2.75 2.86 1.26 -1.80 -5.56
CapEx Per Share
 0.18 0.19 0.07 0.19 0.23
Free Cash Flow to Operating Cash Flow
 0.94 0.94 0.95 1.12 1.04
Dividend Paid and CapEx Coverage Ratio
 3.12 3.12 1.57 -1.60 -3.82
Capital Expenditure Coverage Ratio
 16.02 16.02 18.83 -8.58 -23.44
Operating Cash Flow Coverage Ratio
 0.03 0.03 0.70 -0.18 -1.06
Operating Cash Flow to Sales Ratio
 0.09 0.09 0.05 -0.07 -0.25
Free Cash Flow Yield
15.65%17.02%8.67%-12.44%-38.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 3.02 2.92 3.92 6.41 9.31
Price-to-Sales (P/S) Ratio
 0.54 0.52 0.55 0.60 0.67
Price-to-Book (P/B) Ratio
 0.45 0.43 0.15 0.13 0.07
Price-to-Free Cash Flow (P/FCF) Ratio
 6.39 5.87 11.53 -8.04 -2.61
Price-to-Operating Cash Flow Ratio
 6.03 5.51 10.92 -8.97 -2.72
Price-to-Earnings Growth (PEG) Ratio
 0.07 0.05 0.04 0.09 -0.06
Price-to-Fair Value
 0.45 0.43 0.15 0.13 0.07
Enterprise Value Multiple
 12.85 11.63 -3.31 -36.78 -77.50
Enterprise Value
 1.53B 1.28B -253.62M -1.79B -2.92B
EV to EBITDA
 12.85 11.63 -3.31 -36.78 -77.50
EV to Sales
 3.10 2.72 -0.65 -4.94 -9.01
EV to Free Cash Flow
 36.75 30.92 -13.52 66.55 35.25
EV to Operating Cash Flow
 34.46 28.99 -12.80 74.31 36.75
Tangible Book Value Per Share
 39.01 37.87 98.43 107.26 176.20
Shareholders’ Equity Per Share
 39.10 39.15 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
 32.68 32.41 26.17 24.30 21.74
Net Income Per Share
 5.85 5.74 3.70 2.26 1.56
Tax Burden
 0.75 0.76 0.76 0.76 0.69
Interest Burden
 1.00 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
 0.15 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
 0.53 0.53 0.36 -0.71 -3.42
Currency in USD