Northpointe Bancshares, Inc. (NPB) - Net Assets
Based on the latest financial reports, Northpointe Bancshares, Inc. (NPB) has net assets worth $569.04 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($7.02 Billion) and total liabilities ($6.45 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Northpointe Bancshares, Inc. liquidity resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $569.04 Million |
| % of Total Assets | 8.1% |
| Annual Growth Rate | -7.94% |
| 5-Year Change | -20.45% |
| 10-Year Change | N/A |
| Growth Volatility | 137.14 |
Northpointe Bancshares, Inc. - Net Assets Trend (2020–2025)
This chart illustrates how Northpointe Bancshares, Inc.'s net assets have evolved over time, based on quarterly financial data. Also explore Northpointe Bancshares, Inc. total assets for the complete picture of this company's asset base.
Annual Net Assets for Northpointe Bancshares, Inc. (2020–2025)
The table below shows the annual net assets of Northpointe Bancshares, Inc. from 2020 to 2025. For live valuation and market cap data, see NPB market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $569.04 Million | -61.24% |
| 2024-12-31 | $1.47 Billion | -14.54% |
| 2023-12-31 | $1.72 Billion | -40.95% |
| 2022-12-31 | $2.91 Billion | +306.78% |
| 2021-12-31 | $715.33 Million | -16.87% |
| 2020-12-31 | $860.45 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Northpointe Bancshares, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 67374732600.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $364.37 Million | 64.03% |
| Other Comprehensive Income | $-199.00K | -0.03% |
| Other Components | $204.88 Million | 36.00% |
| Total Equity | $569.04 Million | 100.00% |
Northpointe Bancshares, Inc. Competitors by Market Cap
The table below lists competitors of Northpointe Bancshares, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Biglari Holdings Inc
NYSE:BH
|
$604.53 Million |
|
Supriya Lifescience Limited
NSE:SUPRIYA
|
$604.83 Million |
|
PWR Holdings Ltd
AU:PWH
|
$604.88 Million |
|
Jiangxi Huawu Brake Co Ltd
SHE:300095
|
$604.89 Million |
|
Hamaton Automotive Technology Co Ltd
SHE:300643
|
$604.04 Million |
|
Sun International Ltd
JSE:SUI
|
$603.88 Million |
|
Guangdong Dp Co Ltd
SHE:300808
|
$603.82 Million |
|
Hebei Jianxin Chemical Co Ltd
SHE:300107
|
$603.65 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Northpointe Bancshares, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,468,266,000 to 569,042,000, a change of -899,224,000 (-61.2%).
- Net income of 83,409,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 243,868,000.
- Other factors decreased equity by 738,765,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $83.41 Million | +14.66% |
| Other Comprehensive Income | $-243.87 Million | -42.86% |
| Other Changes | $-738.76 Million | -129.83% |
| Total Change | $- | -61.24% |
Book Value vs Market Value Analysis
This analysis compares Northpointe Bancshares, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.46x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.62x to 0.46x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2020-12-31 | $28.95 | $17.83 | x |
| 2021-12-31 | $21.66 | $17.83 | x |
| 2022-12-31 | $195.06 | $17.83 | x |
| 2023-12-31 | $115.18 | $17.83 | x |
| 2024-12-31 | $98.43 | $17.83 | x |
| 2025-12-31 | $38.65 | $17.83 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Northpointe Bancshares, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 14.66%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.70%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 12.34x
- Recent ROE (14.66%) is above the historical average (2.41%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2020 | 1.28% | 30.53% | 0.04x | 1.13x | $-75.00 Million |
| 2021 | -8.03% | -2648.70% | 0.00x | 1.23x | $-128.97 Million |
| 2022 | 0.80% | 7.17% | 0.08x | 1.40x | $-267.74 Million |
| 2023 | 1.97% | 9.31% | 0.14x | 1.52x | $-138.05 Million |
| 2024 | 3.76% | 14.13% | 0.25x | 1.06x | $-91.67 Million |
| 2025 | 14.66% | 17.70% | 0.07x | 12.34x | $26.50 Million |
Industry Comparison
This section compares Northpointe Bancshares, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Northpointe Bancshares, Inc. (NPB) | $569.04 Million | 1.28% | 11.34x | $604.47 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Northpointe Bancshares, Inc.
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… Read more