NPB - NYSE
Northpointe Bancshares, Inc.
$16.85
-3.7%Northpointe Bancshares, Inc. operates as the bank holding company for Northpointe Bank provides various banking products and services in the United States. It operates through two segments: Mortgage Purchase Program and Retail Banking. The company offers digital deposit banking, such as noninterest-bearing accounts, savings, money-market demand accounts, and certificates of deposits; personal and business banking; and health saving accounts; home loans; mortgage purchase program; residential mortgage lending; and custodial deposit services. Northpointe Bancshares, Inc. was incorporated in 1998 and is headquartered in Grand Rapids, Michigan.
At a Glance
Live SnapshotNorthpointe Bancshares, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Financial Health Insight
Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.
Northpointe Bancshares, Inc. Balance Sheet
NPB • NYSE
| Northpointe Bancshares, Inc. Balance Sheet | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
ASSETS | ||||||
CURRENT ASSETS | ||||||
496.5M | 498.3M | 2.1B | 3.2B | 552.8M | 727.7M | |
4.7M | 767.4M | 143.2M | 240M | 118.2M | 4.8M | |
501.2M | 1.3B | 2.3B | 3.5B | 671M | 732.5M | |
28.3M | 0.0 | 1.8M | 0.0 | 61M | 71.2M | |
0.0 | 0.0 | 0.0 | 0.0 | 5.2M | 54.7M | |
28.3M | 0.0 | 1.8M | 0.0 | 55.8M | 16.5M | |
0.0 | 0.0 | 29M | 0.0 | 4.3M | 0.0 | |
0.0 | 8.2M | 20.1M | 9.6M | 14M | 13.1M | |
-28.3M | 15.8M | 1.1M | 162.9M | 0.0 | 270K | |
501.2M | 1.3B | 2.3B | 3.6B | 750.2M | 817.1M | |
NON-CURRENT ASSETS | ||||||
27.6M | 27.7M | 82.9M | 124M | 24.9M | 6.2M | |
1.5M | 0.0 | 0.0 | 162.6M | 25.5M | 24.9M | |
0.0 | 0.0 | 118.1M | 118.9M | 18.8M | 18.4M | |
1.5M | 0.0 | 118.1M | 281.5M | 44.3M | 43.3M | |
6.4B | 225M | 12.1M | 30.8M | 55.2M | 101.7M | |
-6.4B | 10M | 63.2M | 10.9M | 4.2M | 307.3K | |
29.1M | 262.7M | 276.3M | 447.2M | 128.6M | 151.4M | |
6.5B | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
7B | 1.6B | 2.6B | 4.1B | 878.7M | 968.5M | |
LIABILITIES | ||||||
CURRENT LIABILITIES | ||||||
0.0 | 0.0 | 12M | 0.0 | 8.2M | 0.0 | |
0.0 | 0.0 | 12M | 0.0 | 8.2M | 0.0 | |
0.0 | 55M | 263.9M | 693M | 84.5M | 14.4M | |
420M | 0.0 | 30M | 19M | 0.0 | 1.2M | |
0.0 | 6M | 21.9M | 24M | 4.8M | 0.0 | |
0.0 | 0.0 | 11.2M | 0.0 | 371.7K | 1.1M | |
4.4B | 773.7K | 72.9M | 22.2M | 0.0 | 71.3M | |
4.9B | 61.7M | 411.8M | 758.1M | 97.9M | 88.1M | |
NON-CURRENT LIABILITIES | ||||||
1.5B | 0.0 | 58.9M | 0.0 | 0.0 | 0.0 | |
0.0 | 0.0 | 0.0 | 0.0 | 37.5M | 0.0 | |
3.8M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
4.9B | 520.0 | 401M | 373.5M | 15.2M | 19.1M | |
6.5B | 22.4M | 483M | 405.6M | 65.5M | 20M | |
1M | 28.3M | 45M | 56M | 17.6M | 847.4K | |
6.5B | 84.1M | 894.8M | 1.2B | 163.4M | 108.1M | |
SHAREHOLDERS' EQUITY | ||||||
0.0 | -45.4M | -56.8M | -21.2M | 0.0 | 0.0 | |
204.9M | 138.7K | 133K | 132K | 19.8K | 17.4K | |
204.9M | 10.7B | 9.8B | 9.6B | 1.4B | 1.2B | |
364.4M | -9.4B | -8.3B | -6.9B | -683.2M | -309.4M | |
-199K | 243.7M | 298.3M | 213.8M | -29.3M | -7.8M | |
0.0 | -406.0 | 0.0 | 386.0 | 0.0 | 0.0 | |
569M | 1.5B | 1.7B | 2.9B | 715.3M | 860.4M | |
569M | 1.5B | 1.7B | 2.9B | 715.3M | 860.4M | |
SUMMARY | ||||||
7B | 1.6B | 2.6B | 4.1B | 878.7M | 968.5M | |
6.4B | 992.4M | 155.3M | 270.8M | 173.4M | 106.5M | |
1.5B | 28.3M | 133.9M | 75M | 17.6M | 2.1M | |
1B | -469.9M | -2B | -3.1B | -535.2M | -725.6M | |
14,941,156 | 14,941,156 | 14,941,156 | 14,941,156 | 14,941,156 | 14,941,156 |
SEC Filings
NPB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 14, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 13, 2026 | May 13, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 31, 2026 | May 13, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 13, 2026 | March 12, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 03, 2026 | February 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 27, 2026 | February 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 20, 2026 | January 20, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 31, 2025 | December 31, 2025 | 2025 |
Related Guides
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Snapshot
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Value Model
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Statements
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Earnings Call
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Dividends
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Analyst Expectations
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