Stock Ratings / Financials / NPB / financials

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Northpointe Bancshares Inc. (NPB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$16.18 -0.06% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $16.15

Northpointe Bancshares Inc. (NPB) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $559.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $16.15 (-0.20%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NPB)Realized 20D OHLCV Swing Band: ±7.6%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY NPB SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 1% FCF Margin ($41.5M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$15.84-2% Next Q

Q2 (-2Q)

Grade C$15.52-0.5% Next Q

Q3 (-1Q)

Grade C$15.44+4.8% Next Q

Current

Grade C$16.18+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NPB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, NPB faces multiple-compression risk if 6.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($16.10) or 200D SMA ($17.35) invalidates the momentum regime and cuts Target Base ($16.54) toward Bear Floor ($12.90).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NPB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NPB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How NPB Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$41.5M (1% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$83.4M	$41.5M	14.7%
FY 2024	$4.00B	52%	0%	$55.2M	$18.8M	14.7%
FY 2023	$4.00B	52%	0%	$33.8M	$504.2M	14.7%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NPB)

✓Walkthrough of NPB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

NPB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -9.25%▲ RESISTANCE BREAKOUT

2026-10-30O $16.28H $16.53L $15.73C $16.18VOL 204.7K

RES: $15.91SUP: $13.60SMA50: $16.10SMA200: $17.35

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NPB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NPB Butterfly Map → + Track NPB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-8.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NPB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NPB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NPB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NPB)

Financials Rank #395 of 1096 ⚔️ BWFG vs NPB Full Matrix →

1. Head-to-Head Financials Peer Comparison (NPB vs. BWFG, BSVN, BWB, BSRR)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Northpointe Bancshares Inc. (NPB) ranks #395 by composite RQD confidence (63/100, grade C) and #680 by equity capitalization ($559.5M). Within this direct 5-issuer industry benchmark cohort, NPB leads on earnings valuation at 6.7x trailing P/E, while BSVN leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. BSVN currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with NPB at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NPB ACTIVE Northpointe Bancshares Inc.	C	63/100	6.7x	—	14.7%	-0.06%	$559.5M	Benchmark Subject
BWFG Bankwell Financial Group Inc.	C+	67/100	15.8x	—	11.7%	+4.13%	$555.2M	/bwfg-vs-npb →
BSVN Bank7 Corp.	B-	70/100	13.1x	—	17.2%	+0.46%	$564.9M	/bsvn-vs-npb →
BWB Bridgewater Bancshares Inc.	D+	53/100	12.3x	—	8.9%	-0.24%	$567.2M	/bwb-vs-npb →
BSRR Sierra Bancorp	C	65/100	13.0x	—	11.6%	+0.21%	$550.2M	/bsrr-vs-npb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001336706

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Northpointe Bancshares Inc. (NPB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $83.4M, operating cash flow of $44.3M, and free cash flow of $41.5M (+121.4% YoY). On the balance sheet, NPB closed FY2025 with $7.02B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$83.4M	$44.3M	$41.5M	$7.02B	—
FY2024 (FY)	2024-12-31	$0	$55.2M	$19.8M	$18.8M	$5.22B	—
FY2023 (FY)	2023-12-31	$0	$33.8M	$504.2M	$504.2M	—	—

3. NPB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NPB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Northpointe Bancshares Inc. (NYSE: NPB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $16.18 (-0.06% 1D, market cap $559.5M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, NPB ranks #395 in composite RQD confidence.

How does NPB compare to BWFG and BSVN in the Financials sector?

Within the Financials sector (Major Banks), NPB carries a Roarable C (63/100 RQD), trailing P/E of 6.7x, gross margin of —, and ROIC of 14.7%. By comparison, BWFG (Bankwell Financial Group Inc.) holds a C+ grade (67/100 RQD, P/E 15.8x, ROIC 11.7%, cap $555.2M) and BSVN (Bank7 Corp.) posts a B- grade (70/100 RQD, P/E 13.1x, ROIC 17.2%, cap $564.9M). Among the 5-stock peer group, NPB leads on earnings multiple (6.7x) while BSVN leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NPB?

Per NPB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001336706), Northpointe Bancshares Inc. generated $0 in revenue, $83.4M in net income, and $41.5M in free cash flow against $7.02B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NPB trading relative to its 50-day, 200-day, and 52-week technical levels?

NPB last traded at $16.18 (-0.06% on volume of 345,442 shares), positioning the stock +0.50% above its 50-day simple moving average ($16.10) and -6.74% below its 200-day simple moving average ($17.35). Across its 52-week range of $13.80 to $19.71, NPB sits at the 40.3% percentile with a 14-day RSI of 50.4 (NEUTRAL RANGE) and an implied next-earnings move of ±7.6% ($14.95 to $17.41).

NPB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Northpointe Bancshares Inc. (NPB)?

In FY 2025 (10-K), NPB converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $41.5M in free cash flow (1% FCF margin).

Direct Sub-Reports: NPB RQD Cockpit NPB 12M Forecast NPB Earnings & Move NPB Dividends & DRIP NPB Insiders & 13F NPB Whale Options NPB Profit Sankey NPB News & Why