Company research
NORTHPOINTE BANCSHARES INC
CIK 1336706Updated Oct 30, 2026
SecurityNPB · NYSE · equity
NPB price & chart
Loading TradingView…
NYSE:NPB on TradingView ↗About the company
We are a bank holding company headquartered in Grand Rapids, Michigan and registered under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). We operate our business primarily through our wholly-owned banking subsidiary, Northpointe Bank. We emphasize to our employees and clients that our specialized business lines differentiate us as a business that has the added benefit of being a bank. Our Bank was founded in 1999 as a focused mortgage portfolio lender primarily operating in the midwestern states of Michigan, Ohio and Indiana. Since then, we have evolved, and our business now offers a nationwide mortgage purchase program, residential mortgage loans, digital deposit banking to our retail customers and custodial deposit services to our loan servicing clients, which we believe is unique for a bank. We believe we are recognized in the market for the methods we utilize to acquire new borrowers and for our ability to provide simple, fast, and trusted digital solutions to borrowers in the mortgage banking marketplace. Our delivery systems are primarily digital and are available to clients nationwide; and we provide our staff with loan production offices across 23 cities …
In the news
Recent filings
Other Events
Items 8.01, 9.01
Other Events
Items 8.01, 9.01
Results of Operations and Financial Condition · Costs Associated with Exit or Disposal Activities · Regulation FD Disclosure
Items 2.02, 2.05, 7.01, 9.01
Other Events
Items 8.01, 9.01
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements
Items 5.02, 9.01
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||||
| AssetsUSD | 6,839,580,000Source | 5,385,999,000Source | 7,529,951,000Source | 6,430,894,000Source | 5,224,011,000Source | 7,395,877,000Source | 5,859,655,000Source | 4,865,281,000Source | 7,022,825,000Source | 5,224,011,000Source | 4,758,479,000Source |
| Property, Plant and Equipment, NetUSD | 27,658,000Source | — | 26,970,000Source | 27,479,000Source | — | 27,394,000Source | 26,952,000Source | — | 27,571,000Source | 27,292,000Source | 29,296,000Source |
| Current assets: | |||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 419,162,000Source | — | 538,359,000Source | 415,659,000Source | — | 487,617,000Source | 321,499,000Source | — | 496,459,000Source | 376,295,000Source | 351,890,000Source |
| Operating Lease, Right-of-Use AssetUSD | 1,100,000Source | — | 1,100,000Source | 1,200,000Source | — | 1,400,000Source | 1,300,000Source | — | 1,000,000Source | 1,500,000Source | 2,600,000Source |
| LIABILITIES AND EQUITY | |||||||||||
| LiabilitiesUSD | 6,216,055,000Source | — | 6,918,303,000Source | 5,826,617,000Source | — | 6,805,884,000Source | 5,273,133,000Source | — | 6,453,783,000Source | 4,761,521,000Source | 4,327,859,000Source |
| Stockholders’ equity: | |||||||||||
| Additional Paid in CapitalUSD | 276,885,000Source | — | 206,104,000Source | 276,885,000Source | — | 204,875,000Source | 276,465,000Source | — | 204,875,000Source | 166,847,000Source | 180,046,000Source |
| Retained Earnings (Accumulated Deficit)USD | 346,829,000Source | — | 405,634,000Source | 327,556,000Source | — | 385,206,000Source | 310,367,000Source | — | 364,366,000Source | 295,967,000Source | 251,375,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -189,000Source | — | -90,000Source | -164,000Source | — | -88,000Source | -310,000Source | — | -199,000Source | -324,000Source | -801,000Source |
| Stockholders' Equity Attributable to ParentUSD | 623,525,000Source | 454,782,000Source | 611,648,000Source | 604,277,000Source | 445,783,000Source | 589,993,000Source | 586,522,000Source | 439,833,000Source | 569,042,000Source | 462,490,000Source | 430,620,000Source |
| Liabilities and EquityUSD | 6,839,580,000Source | — | 7,529,951,000Source | 6,430,894,000Source | — | 7,395,877,000Source | 5,859,655,000Source | — | 7,022,825,000Source | 5,224,011,000Source | 4,758,479,000Source |
| Deferred Income Tax Liabilities, NetUSD | 2,651,000Source | — | 4,637,000Source | 3,141,000Source | — | 4,110,000Source | 2,930,000Source | — | 3,786,000Source | 3,477,000Source | 24,132,000Source |
| Additional Financial Items | |||||||||||
| Deferred Tax Liabilities, NetUSD | 2,651,000Source | — | 4,637,000Source | 3,141,000Source | — | 4,110,000Source | 2,930,000Source | — | 3,786,000Source | 3,478,000Source | 24,132,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | |||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | |||||||||||
| Deferred Income Tax Expense (Benefit)USD | — | — | -482,000Source | -1,353,000Source | 529,000Source | 165,000Source | 288,000Source | -551,000Source | 272,000Source | -20,831,000Source | -1,884,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 37,692,000Source | 54,424,000Source | 44,291,000Source | 19,809,000Source | 504,168,000Source |
| Cash flows from investing activities: | |||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -388,843,000Source | -715,514,000Source | -1,629,744,000Source | -458,235,000Source | -750,680,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 417,000Source | 322,000Source | 2,765,000Source | 1,052,000Source | 2,809,000Source |
| Cash flows from financing activities: | |||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | — | — | 0Source | 770,000Source | 616,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 342,309,000Source | 606,294,000Source | 1,705,617,000Source | 462,831,000Source | 324,169,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 861,000Source | 641,000Source | 3,219,000Source | 2,569,000Source | 2,573,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | -8,842,000Source | -54,796,000Source | 120,164,000Source | 24,405,000Source | 77,657,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 419,162,000Source | 440,751,000Source | 538,359,000Source | 415,659,000Source | 487,617,000Source | 321,499,000Source | 496,459,000Source | 376,295,000Source | 351,890,000Source |
| Supplemental disclosure of cash flow information: | |||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 58,531,000Source | 41,720,000Source | 220,951,000Source | 202,362,000Source | 164,197,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | 5,684,000Source | 13,455,000Source | 290,000Source | 93,000Source | 28,796,000Source | — | — |
| Additional Financial Items | |||||||||||
| Amortization of Debt Issuance CostsUSD | — | — | — | — | — | — | 80,000Source | 226,000Source | 293,000Source | 458,000Source | 363,000Source |
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | 146,000Source | 146,000Source | 586,000Source | 973,000Source | 1,021,000Source |
| DepreciationUSD | — | — | 615,000Source | 697,000Source | 585,000Source | 613,000Source | 594,000Source | 662,000Source | 2,486,000Source | 2,828,000Source | 2,996,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | — | — | — | — | — | — | -8,000Source | 20,000Source | 42,000Source | -13,000Source | 18,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 852,000Source | 484,000Source | 264,000Source | 548,000Source | -469,000Source | 1,385,000Source | 2,153,000Source | 881,000Source | -2,569,000Source |
| Gain (Loss) on Sale of Financing ReceivableUSD | — | — | 20,953,000Source | 24,591,000Source | 17,046,000Source | 19,351,000Source | 16,547,000Source | 18,587,000Source | 77,198,000Source | 56,688,000Source | 77,977,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | — | — | — | — | — | — | — | — | 0Source | -228,000Source | -90,000Source |
| Gain (Loss) on Extinguishment of DebtUSD | — | — | — | — | — | — | 0Source | 2,048,000Source | 2,048,000Source | 1,743,000Source | 0Source |
| Gain (Loss) on Disposition of Assets for Financial Service OperationsUSD | — | — | — | — | — | — | — | — | 0Source | -1,058,000Source | 0Source |
| Impairment of Intangible Assets, Finite-livedUSD | — | — | — | — | — | — | — | — | 0Source | 1,469,000Source | 137,000Source |
| Income Tax Expense (Benefit)USD | — | — | 7,001,000Source | 5,913,000Source | 7,141,000Source | 6,309,000Source | 7,274,000Source | 5,348,000Source | 26,984,000Source | 17,717,000Source | 10,925,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 22,173,000Source | 18,700,000Source | 21,746,000Source | 20,344,000Source | 22,154,000Source | 17,247,000Source | 83,409,000Source | 55,159,000Source | 33,762,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 20,132,000Source | 17,099,000Source | 21,293,000Source | 18,048,000Source | 21,701,000Source | 15,041,000Source | 71,618,000Source | 47,162,000Source | 24,112,000Source |
| Operating Lease, Lease IncomeUSD | — | — | 390,000Source | 283,000Source | 455,000Source | 292,000Source | 455,000Source | 289,000Source | 1,400,000Source | 1,100,000Source | 735,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | 0Source | 114,444,000Source | 114,151,000Source | — | — |
| Proceeds from Stock Options ExercisedUSD | — | — | — | — | — | — | 0Source | 14,000Source | 38,000Source | 155,000Source | 0Source |
| Unrealized Gain (Loss) on DerivativesUSD | — | — | — | — | — | — | 3,803,000Source | 560,000Source | -1,081,000Source | 3,018,000Source | -2,614,000Source |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 29,174,000Source | 24,613,000Source | 28,887,000Source | 26,653,000Source | 29,428,000Source | 22,595,000Source | 110,393,000Source | 72,876,000Source | 44,687,000Source |
| Income Tax Expense (Benefit)USD | — | — | 7,001,000Source | 5,913,000Source | 7,141,000Source | 6,309,000Source | 7,274,000Source | 5,348,000Source | 26,984,000Source | 17,717,000Source | 10,925,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 22,173,000Source | 18,700,000Source | 21,746,000Source | 20,344,000Source | 22,154,000Source | 17,247,000Source | 83,409,000Source | 55,159,000Source | 33,762,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.58Source | 0.67Source | 0.61Source | 0.52Source | 0.63Source | 0.5Source | 2.14Source | 1.83Source | 0.94Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.57Source | 0.66Source | 0.6Source | 0.51Source | 0.62Source | 0.49Source | 2.11Source | 1.83Source | 0.93Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 34,602,289Source | 25,689,560Source | 34,740,412Source | 34,574,086Source | 34,702,246Source | 29,871,001Source | 33,432,895Source | 25,759,938Source | 25,729,227Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 35,337,136Source | 25,756,431Source | 35,416,828Source | 35,218,962Source | 35,260,806Source | 30,448,848Source | 33,863,189Source | 25,822,496Source | 25,795,481Source |
| Additional Financial Items | |||||||||||
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | 146,000Source | 146,000Source | 586,000Source | 973,000Source | 1,021,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.03Source | 0.03Source | 0.03Source | 0.03Source | 0.03Source | 0.03Source | 0.1Source | 0.1Source | 0.1Source |
| Current Income Tax Expense (Benefit)USD | — | — | 7,483,000Source | 7,266,000Source | 6,612,000Source | 6,144,000Source | 6,986,000Source | 5,899,000Source | 26,712,000Source | 38,548,000Source | 12,809,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 852,000Source | 484,000Source | 264,000Source | 548,000Source | -469,000Source | 1,385,000Source | 2,153,000Source | 881,000Source | -2,569,000Source |
| InterestExpenseOperatingUSD | — | — | 61,505,000Source | 54,948,000Source | 64,616,000Source | 56,573,000Source | 60,230,000Source | 48,761,000Source | 229,465,000Source | 203,317,000Source | 166,163,000Source |
| Interest Income (Expense), NetUSD | — | — | 40,331,000Source | 28,403,000Source | 42,422,000Source | 36,520,000Source | 41,273,000Source | 30,389,000Source | 150,739,000Source | 114,215,000Source | 101,219,000Source |
| Interest Income, OperatingUSD | — | — | 101,836,000Source | 83,351,000Source | 107,038,000Source | 93,093,000Source | 101,503,000Source | 79,150,000Source | 380,204,000Source | 317,532,000Source | 267,382,000Source |
| Interest Income, OtherUSD | — | — | — | — | — | — | — | 5,296,000Source | — | 31,405,000Source | 29,063,000Source |
| Labor and Related ExpenseUSD | — | — | 24,336,000Source | 20,779,000Source | 25,026,000Source | 22,234,000Source | 24,353,000Source | 20,443,000Source | 90,171,000Source | 77,791,000Source | 104,286,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 20,132,000Source | 17,099,000Source | 21,293,000Source | 18,048,000Source | 21,701,000Source | 15,041,000Source | 71,618,000Source | 47,162,000Source | 24,112,000Source |
| Operating Lease, Lease IncomeUSD | — | — | 390,000Source | 283,000Source | 455,000Source | 292,000Source | 455,000Source | 289,000Source | 1,400,000Source | 1,100,000Source | 735,000Source |
| Preferred Stock Dividends, Income Statement ImpactUSD | — | — | 2,041,000Source | 1,601,000Source | 453,000Source | 2,296,000Source | 453,000Source | 2,206,000Source | 11,791,000Source | 7,997,000Source | 9,650,000Source |
Offerings
Registration 333-284419
- Gross proceeds
- 151090000.0
- Net proceeds
- 24403500.0
- Deal price
- 14.5
- Shares
- 10420000
- Offering price
- $14.50
- Ticker
- NPB
Filing attachments
tm2430447d3_ex4-1.htm · S-1 · 2025-01-23
EX-4.1 4 tm2430447d3_ex4-1.htm EXHIBIT 4.1 Exhibit 4.1 DEPOSIT AGREEMENT AMONG NORTHPOINTE BANCSHARES, INC., AS ISSUER AND COMPUTERSHARE INC. AND COMPUTERSHARE TRUST COMPANY, N.A., JOINTLY AS DEPOSITARY AND THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN DATED AS OF DECEMBER 29, 2020 TABLE OF CONTENTS ARTICLE …
Read attachment ↗tm2430447d3_ex4-2.htm · S-1 · 2025-01-23
EX-4.2 5 tm2430447d3_ex4-2.htm EXHIBIT 4.2 Exhibit 4.2 EXHIBIT A FORM OF RECEIPT [FORM OF FACE OF RECEIPT] THE DEPOSITARY SHARES REPRESENTED BY THIS CERTIFICATE ARE NOT SAVINGS ACCOUNTS, DEPOSITS OR OTHER OBLIGATIONS OF A BANK AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT AGENCY. IF GLOBAL RECEIPT IS ISSUED: UNLESS THIS RECEIPT IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO NORTH…
Read attachment ↗tm2430447d3_ex4-3.htm · S-1 · 2025-01-23
EX-4.3 6 tm2430447d3_ex4-3.htm EXHIBIT 4.3 Exhibit 4.3 DEPOSIT AGREEMENT AMONG NORTHPOINTE BANCSHARES, INC., AS ISSUER AND COMPUTERSHARE INC. AND COMPUTERSHARE TRUST COMPANY, N.A., JOINTLY AS DEPOSITARY AND THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN DATED AS OF DECEMBER 30, 2021 TABLE OF CONTENTS ARTICLE I DEFINED …
Read attachment ↗tm2430447d3_ex4-4.htm · S-1 · 2025-01-23
EX-4.4 7 tm2430447d3_ex4-4.htm EXHIBIT 4.4 Exhibit 4.4 EXHIBIT A FORM OF RECEIPT [FORM OF FACE OF RECEIPT] THE DEPOSITARY SHARES REPRESENTED BY THIS CERTIFICATE ARE NOT SAVINGS ACCOUNTS, DEPOSITS OR OTHER OBLIGATIONS OF A BANK AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT AGENCY. IF GLOBAL RECEIPT IS ISSUED: UNLESS THIS RECEIPT IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO NORTH…
Read attachment ↗tm2430447d3_ex4-5.htm · S-1 · 2025-01-23
EX-4.5 8 tm2430447d3_ex4-5.htm EXHIBIT 4.5 Exhibit 4.5 NORTHPOINTE BANCSHARES, INC. REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into as of May 30, 2019, by and among Northpointe Bancshares, Inc., a Michigan corporation (the “Company”), and the purchaser(s) signatory hereto (each a “Registration Rights Purchaser” and collectively, the “Registration Rights Purchasers”). This Agreement is made pursuant to the Securities Purchase Ag…
Read attachment ↗tm2430447d3_ex4-6.htm · S-1 · 2025-01-23
EX-4.6 9 tm2430447d3_ex4-6.htm EXHIBIT 4.6 Exhibit 4.6 Execution Version NORTHPOINTE BANCSHARES, INC. REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into as of December 24, 2019, by and among Northpointe Bancshares, Inc., a Michigan corporation (the “Company”), and the purchaser(s) signatory hereto (each a “Registration Rights Purchaser” and collectively, the “Registration Rights Purchasers”). This Agreement is made pursuant to th…
Read attachment ↗