COMP <GO>
NPB vs MS // REVENUE GROWTH (YOY)
Northpointe Bancshares Inc. (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: NPB 4
— MS 3
■ METRIC PARITY
LAST: $15.79 (-2.41%) • MKT CAP: $559.5M
revenue-growth
—
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
revenue-growth
5.50%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NPB VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NPB | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 14.70% | 3.00% | +11.70 | NPB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.42% | -7.25% | +14.67 | NPB | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 20.20% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | — | 5.50% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.58% | 2.21% | -1.63 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | MS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.9 | 51.0 | +4.90 | NPB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.2x | 16.5x | -10.30 | NPB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $559.5M | $298.41B | -$297.85B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NPB REV | MS REV | NPB GROSS % | MS GROSS % | NPB FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $41.5M | -$17.89B |
| FY 2024 | $0 | $0 | — | — | $18.8M | $1.36B |
| FY 2023 | $0 | $0 | — | — | $504.2M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NPB // BETA —
MS // BETA 1.04