Northpointe Bancshares, Inc. (NPB) — Cash Flow Quality Index
Northpointe Bancshares, Inc. (NPB) has a Cash Flow Quality Index of 1.70x as of March 2026. Operating cash flow of $37.69 Million exceeds net income of $22.15 Million, indicating high earnings quality where cash backs reported profits. Explore Northpointe Bancshares, Inc. (NPB) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Northpointe Bancshares, Inc. Cash Flow Quality Index (2020–2025)
Historical Cash Flow Quality Index for Northpointe Bancshares, Inc. across 5 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see NPB cash flow metrics.
Annual Cash Flow Quality Index for Northpointe Bancshares, Inc. (2020–2025)
Year-by-year earnings quality comparison for Northpointe Bancshares, Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.53x | $44.29 Million | $83.41 Million | ▲ +47.9% |
| 2024 | 0.36x | $19.81 Million | $55.16 Million | ▲ +150.3% |
| 2023 | -0.71x | $-24.11 Million | $33.76 Million | ▲ +79.1% |
| 2022 | -3.42x | $-79.52 Million | $23.24 Million | ▼ -471.7% |
| 2020 | 0.92x | $62.81 Million | $68.23 Million | — |