NORTHPOINTE BANCSHARES INC
NPBNYSEFinancials · State Commercial Banks · MI · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | |
|---|---|---|---|
| Revenue | — | — | — |
| Operating income | — | — | — |
| Net income | $83.4M | $55.2M | $33.8M |
| Total assets | $7.02B | $5.22B | $4.76B |
| Total liabilities | $6.45B | $4.76B | $4.33B |
| Equity | $569.0M | $462.5M | $430.6M |
| EPS (diluted) | $2.11 | $1.83 | $0.93 |
| Shares out. | 34.3M | 25.7M | 25.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 14.7%
- Return on assets
- 1.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.9%
- Debt / equity
- 11.34×
- Book value / share
- $16.59
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 51.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 0.6%clean
- Piotroski F-Score
- 3/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Wellington Management Group LlpPassive (13G)May 15, 2026
- Adage Capital Management, L.P.Passive (13G)May 13, 2026
- Castle Creek Capital Partners Vii, LpPassive (13G)Feb 13, 2026
- Bay Pond Investors (Bermuda) L.P.Passive (13G)Jan 15, 2026
- Gainey AnniePassive (13G)Oct 17, 2025
- Second Rewrittwen Trust Indenture Of The John S Simoni Living TrustPassive (13G)May 14, 2025
- Charles A Williams Tr Charles A Williams TrustPassive (13G)May 14, 2025
- Bay Pond Partners, L.P.Passive (13G)Feb 24, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Williams Charles AlanOfficer — CHAIRMAN & CEO | May 13, 2026 | Buy | 25,000 | $17.08 |
| Williams Charles AlanOfficer — CHAIRMAN & CEO | May 12, 2026 | Buy | 25,000 | $17.21 |
| Hooker David StevensDirector | May 1, 2026 | Sell | 7,000 | $17.82 |
| Howes Brad TOfficer — EVP, CHIEF FINANCIAL OFFICER | Apr 1, 2026 | Option exercise | 7,000 | $0.00 |
| Christel David JOfficer — PRES, MORTGAGE PURCH PROGRAM | Apr 1, 2026 | Option exercise | 9,333 | $0.00 |
| Comps Kevin JOfficer — PRESIDENT & SECRETARY | Apr 1, 2026 | Option exercise | 9,333 | $0.00 |
| Butler Amy MOfficer — EVP, NATIONAL SALES | Apr 1, 2026 | Option exercise | 7,000 | $0.00 |
| Williams Charles AlanOfficer — CHAIRMAN & CEO | Apr 1, 2026 | Option exercise | 49,560 | $0.00 |
| Dean Richard JefferyDirector | Mar 9, 2026 | Sell | 57,619 | $17.55 |
| Lawrence David F.Director | Mar 3, 2026 | Buy | 500 | $18.18 |
| Williams Charles AlanOfficer — CHAIRMAN & CEO | Feb 11, 2026 | Buy | 14,205 | $16.90 |
| Butler Amy MOfficer — EVP, NATIONAL SALES | Jan 27, 2026 | Sell | 3,111 | $17.95 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 266,872 | 2.0 | -2.1% |
| Apr 30, 2026 | 272,719 | 1.7 | -6.9% |
| Apr 15, 2026 | 292,874 | 1.7 | -4.6% |
| Mar 31, 2026 | 306,983 | 1.5 | -31.9% |
| Mar 13, 2026 | 450,452 | 1.9 | +37.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 13, 2026
- Results of operations · Regulation FD disclosureApr 21, 2026
- Entered a material agreement · New financial obligationMar 13, 2026
- Director / officer changeMar 3, 2026
- Director / officer changeFeb 27, 2026
- Results of operations · Regulation FD disclosureJan 20, 2026
- Other material eventDec 31, 2025
- Director / officer changeDec 18, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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