Northpointe Bancshares (NPB)
Runs mortgage purchase facilities, residential lending, and digital deposits from a specialty bank model.
$16.97
Pre-market+0.08 (+0.47%)
At close$16.89(+1.81%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0 | 77 | 89 | 96 | 109 | 96 | 102 | 116 | 126 | 128 | 124 | 66 |
| Cost of revenue | 0 | 44 | 45 | 51 | 55 | 52 | 50 | 57 | 62 | 62 | 60 | 60 |
| Gross profit | 0 | 32 | 44 | 45 | 54 | 44 | 52 | 58 | 64 | 66 | 64 | 6 |
| 11 | 30 | 28 | 28 | 29 | 29 | 29 | 32 | 34 | 34 | 35 | 35 | |
| Research & development | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 6 | 18 | 18 | 20 | 21 | 19 | 20 | 22 | 24 | 24 | 1 | 35 | |
| General & administrative | 6 | 18 | 18 | 20 | 21 | 19 | 20 | 22 | 24 | 24 | 1 | 35 |
| Other expenses | 0 | 11 | 10 | 8 | 9 | 10 | 9 | 9 | 10 | 10 | 33 | 0 |
| Operating income | −11 | 2 | 16 | 17 | 25 | 15 | 23 | 27 | 29 | 32 | 29 | −29 |
| 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 58 | |
| Interest income | 2 | 72 | 73 | 79 | 83 | 83 | 79 | 93 | 102 | 106 | 102 | 107 |
| Interest expense | 0 | 46 | 45 | 50 | 55 | 53 | 49 | 57 | 62 | 63 | 60 | 65 |
| Income before tax | −8 | 2 | 16 | 17 | 25 | 15 | 23 | 27 | 29 | 32 | 29 | 29 |
| Income tax expense | 0 | 1 | 4 | 4 | 6 | 4 | 5 | 6 | 7 | 8 | 7 | 7 |
| Net income from continuing operations | −8 | 2 | 12 | 13 | 19 | 11 | 17 | 20 | 22 | 24 | 22 | 22 |
| Discontinued operations | −25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net income | −33 | 2 | 12 | 13 | 19 | 11 | 17 | 20 | 22 | 24 | 22 | 22 |
| EPS, basic | −$2.55 | −$0.02 | $0.29 | $0.33 | $0.50 | $0.26 | $0.50 | $0.52 | $0.58 | $0.53 | $0.63 | $0.61 |
| EPS, diluted | −$2.55 | −$0.02 | $0.29 | $0.33 | $0.50 | $0.26 | $0.49 | $0.51 | $0.57 | $0.52 | $0.62 | $0.60 |
| Weighted average shares, basic | 13 | 26 | 34 | 34 | 34 | 34 | 30 | 35 | 35 | 35 | 35 | 35 |
| Weighted average shares, diluted | 13 | 26 | 34 | 34 | 34 | 34 | 30 | 35 | 35 | 35 | 35 | 35 |
| EBITDA | −11 | 3 | 17 | 18 | 26 | 16 | 23 | 27 | 30 | 32 | 30 | −29 |
| Depreciation & amortization | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 0 |
| EBIT | −11 | 2 | 16 | 17 | 25 | 15 | 23 | 27 | 29 | 32 | 29 | −29 |