Income statement, balance sheet and cash flow statement for the last 3 fiscal years, taken from the XBRL data NORTHPOINTE BANCSHARES INC files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2024
FY2024
FY2025
Interest income
29.1
31.4
Pre-tax income
44.7
72.9
110
Income tax
10.9
17.7
27
Net income
33.8
55.2
83.4
EPS, basic
0.94
1.83
2.14
EPS, diluted
0.93
1.83
2.11
Shares, basic (weighted)
25.7
25.8
33.4
Shares, diluted (weighted)
25.8
25.8
33.9
Dividend per share
0.10
0.10
0.10
Balance sheet
FY2024
FY2024
FY2025
Cash and equivalents
352
376
496
Property, plant and equipment
29.3
27.3
27.6
Lease right-of-use assets
2.6
1.5
1
Intangible assets
4.54
2.1
1.51
Total assets
4,758
5,224
7,023
Total liabilities
4,328
4,762
6,454
Paid-in capital
180
167
205
Retained earnings
251
296
364
Other comprehensive income
-0.8
-0.32
-0.2
Shareholders' equity
431
462
569
Total equity
431
462
569
Total liabilities and equity
4,758
5,224
7,023
Shares outstanding
25.7
25.7
34.5
Cash flow statement
FY2024
FY2024
FY2025
Net income
33.8
55.2
83.4
Depreciation and amortization
3
2.83
2.49
Deferred income tax
-1.88
-20.8
0.27
Cash from operations
504
19.8
44.3
Capital expenditures
-2.81
-1.05
-2.77
Purchases of investments
0
-4
0
Sales and maturities of investments
0
10.9
4
Cash from investing
-751
-458
-1,630
Stock issued
0
0
114
Share buybacks
-0.62
-0.77
0
Dividends paid
-2.57
-2.57
-3.22
Cash from financing
324
463
1,706
Net change in cash
77.7
24.4
120
Free cash flow
501
18.8
41.5
Interest paid
164
202
221
Income taxes paid
3.28
43.4
28.8
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $15.37 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
24.9%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
14.7%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
1.2%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
51.2%
Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y
15.3%
EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y
123.6%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow growth, 1y
121.4%
Free cash flow vs the same period a year earlier. Only from a positive base.
Dividend per share growth, 1y
0.0%
Dividend per share vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
23.0%
Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y
34.4%
Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y
31.1%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
1.8%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$2.53
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$2.88
Free cash flow / diluted weighted shares.
Operating cash flow per share
$2.93
Cash from operations / diluted weighted shares.
Book value per share
$17.69
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Dividends paid / net income, when net income is positive.
Dividends / FCF
3.4%
Dividends paid / free cash flow, when free cash flow is positive.
Valuation
Metric
Value
How it is calculated
Market cap
$531.5M
Share price x shares outstanding.
Enterprise value
-$6.8M
Market cap + total debt - cash - short-term investments.
P/E
5.92x
Market cap / net income. Only when net income is positive.
P/B
0.87x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
0.87x
Market cap / tangible book value, when positive.
P/FCF
5.22x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
5.12x
Market cap / cash from operations, when positive.
FCF yield
19.2%
Free cash flow / market cap.
Earnings yield
16.9%
Net income / market cap (the inverse of P/E).
Dividend yield
0.6%
Dividends paid over the period / market cap.
Shareholder yield
0.6%
(Dividends paid + share buybacks) / market cap.
Was NORTHPOINTE BANCSHARES INC profitable in fiscal 2025?
Yes. Net income was $83.4M, a net margin of -.
How much free cash flow did NORTHPOINTE BANCSHARES INC generate in fiscal 2025?
Cash from operations of $44.3M minus capital expenditures of $2.8M left free cash flow of $41.5M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.