Northpointe Bancshares (NPB)
Market Price (2/27/2026): $18.76 | Market Cap: $649.1 MilSector: Financials | Industry: Regional Banks
Northpointe Bancshares (NPB)
Market Price (2/27/2026): $18.76Market Cap: $649.1 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.2%, FCF Yield is 12% | Trading close to highsDist 52W High is -2.3%, Dist 3Y High is -2.3% | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 153% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 26% | Weak multi-year price returns2Y Excs Rtn is -7.7%, 3Y Excs Rtn is -45% | Key risksNPB key risks include [1] a heavy dependence on mortgage lending and [2] a significant reliance on less stable wholesale funding. |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36% | ||
| Low stock price volatilityVol 12M is 33% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.2%, FCF Yield is 12% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 26% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36% |
| Low stock price volatilityVol 12M is 33% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Trading close to highsDist 52W High is -2.3%, Dist 3Y High is -2.3% |
| Weak multi-year price returns2Y Excs Rtn is -7.7%, 3Y Excs Rtn is -45% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 153% |
| Key risksNPB key risks include [1] a heavy dependence on mortgage lending and [2] a significant reliance on less stable wholesale funding. |
Qualitative Assessment
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Northpointe Bancshares (NPB) stock has gained about 15% since 10/31/2025 because of the following key factors:
1. Northpointe Bancshares reported strong financial performance in the fourth quarter and full year of 2025, exceeding revenue expectations. The company's net income to common stockholders reached $18.4 million in Q4 2025. For the full year 2025, earnings per diluted share increased by 15% to $2.11, and total assets rose to $7 billion. Northpointe also saw its Q4 2025 revenue hit $65.14 million, surpassing analyst estimates of $64.91 million.
2. The company received positive analyst ratings and upward revisions to price targets. Piper Sandler issued an "Overweight" rating on NPB on December 22, 2025. Additionally, on January 22, 2026, Keefe Bruyette raised its price target on Northpointe Bancshares to $22 from $21, while maintaining an "Outperform" rating on the shares. The median analyst price target for NPB was $19.625, based on two analysts over the last six months.
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1. Northpointe Bancshares reported strong financial performance in the fourth quarter and full year of 2025, exceeding revenue expectations. The company's net income to common stockholders reached $18.4 million in Q4 2025. For the full year 2025, earnings per diluted share increased by 15% to $2.11, and total assets rose to $7 billion. Northpointe also saw its Q4 2025 revenue hit $65.14 million, surpassing analyst estimates of $64.91 million.
2. The company received positive analyst ratings and upward revisions to price targets. Piper Sandler issued an "Overweight" rating on NPB on December 22, 2025. Additionally, on January 22, 2026, Keefe Bruyette raised its price target on Northpointe Bancshares to $22 from $21, while maintaining an "Outperform" rating on the shares. The median analyst price target for NPB was $19.625, based on two analysts over the last six months.
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Stock Movement Drivers
Fundamental Drivers
The 16.6% change in NPB stock from 10/31/2025 to 2/26/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2262026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.83 | 18.46 | 16.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | � | 220 | 0.0% |
| Net Income Margin (%) | � | 32.1% | 0.0% |
| P/E Multiple | � | 9.0 | 0.0% |
| Shares Outstanding (Mil) | 34 | 35 | -0.8% |
| Cumulative Contribution | 0.0% |
Market Drivers
10/31/2025 to 2/26/2026| Return | Correlation | |
|---|---|---|
| NPB | 16.6% | |
| Market (SPY) | 1.1% | 40.1% |
| Sector (XLF) | 0.2% | 46.5% |
Fundamental Drivers
The 26.1% change in NPB stock from 7/31/2025 to 2/26/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.| (LTM values as of) | 7312025 | 2262026 | Change |
|---|---|---|---|
| Stock Price ($) | 14.64 | 18.46 | 26.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | � | 220 | 0.0% |
| Net Income Margin (%) | � | 32.1% | 0.0% |
| P/E Multiple | � | 9.0 | 0.0% |
| Shares Outstanding (Mil) | 34 | 35 | -0.8% |
| Cumulative Contribution | 0.0% |
Market Drivers
7/31/2025 to 2/26/2026| Return | Correlation | |
|---|---|---|
| NPB | 26.1% | |
| Market (SPY) | 9.4% | 42.2% |
| Sector (XLF) | 0.6% | 52.5% |
Fundamental Drivers
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Market Drivers
1/31/2025 to 2/26/2026| Return | Correlation | |
|---|---|---|
| NPB | ||
| Market (SPY) | 15.5% | 42.5% |
| Sector (XLF) | 3.1% | 47.3% |
Fundamental Drivers
nullnull
Market Drivers
1/31/2023 to 2/26/2026| Return | Correlation | |
|---|---|---|
| NPB | ||
| Market (SPY) | 75.9% | 42.5% |
| Sector (XLF) | 50.2% | 47.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| NPB Return | - | - | - | - | 16% | 8% | 26% |
| Peers Return | 33% | -33% | 48% | 30% | 28% | -6% | 108% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 1% | 85% |
Monthly Win Rates [3] | |||||||
| NPB Win Rate | - | - | - | - | 36% | 100% | |
| Peers Win Rate | 57% | 42% | 52% | 57% | 60% | 40% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 100% | |
Max Drawdowns [4] | |||||||
| NPB Max Drawdown | - | - | - | - | -19% | -1% | |
| Peers Max Drawdown | -5% | -44% | -23% | -16% | -24% | -12% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: AX, WAL, TCBI, SOFI, PFSI.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/26/2026 (YTD)
How Low Can It Go
NPB has limited trading history. Below is the Financials sector ETF (XLF) in its place.
| Event | XLF | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -26.9% | -25.4% |
| % Gain to Breakeven | 36.7% | 34.1% |
| Time to Breakeven | 525 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -43.3% | -33.9% |
| % Gain to Breakeven | 76.5% | 51.3% |
| Time to Breakeven | 295 days | 148 days |
| 2018 Correction | ||
| % Loss | -26.1% | -19.8% |
| % Gain to Breakeven | 35.2% | 24.7% |
| Time to Breakeven | 338 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -83.7% | -56.8% |
| % Gain to Breakeven | 515.2% | 131.3% |
| Time to Breakeven | 4,470 days | 1,480 days |
Compare to AX, WAL, TCBI, SOFI, PFSI
In The Past
SPDR Select Sector Fund's stock fell -26.9% during the 2022 Inflation Shock from a high on 1/12/2022. A -26.9% loss requires a 36.7% gain to breakeven.
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About Northpointe Bancshares (NPB)
We are a bank holding company headquartered in Grand Rapids, Michigan and registered under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). We operate our business primarily through our wholly-owned banking subsidiary, Northpointe Bank. We emphasize to our employees and clients that our specialized business lines differentiate us as a business that has the added benefit of being a bank. Our Bank was founded in 1999 as a focused mortgage portfolio lender primarily operating in the midwestern states of Michigan, Ohio and Indiana. Since then, we have evolved, and our business now offers a nationwide mortgage purchase program, residential mortgage loans, digital deposit banking to our retail customers and custodial deposit services to our loan servicing clients, which we believe is unique for a bank. We believe we are recognized in the market for the methods we utilize to acquire new borrowers and for our ability to provide simple, fast, and trusted digital solutions to borrowers in the mortgage banking marketplace. Our delivery systems are primarily digital and are available to clients nationwide; and we provide our staff with loan production offices across 23 cities in 15 states and support them through our centralized operating center in Grand Rapids, Michigan. Our nationwide presence has enabled us to have clients in all 50 states and the District of Columbia. As of September 30, 2024, we had $5.4 billion in assets, $4.8 billion in gross loans, including held for investment (“HFI”) and held for sale (“HFS”), $3.5 billion of deposits and $454.8 million of stockholders’ equity. We have originated more than $190 billion in home loan financings over the last 10 years. In the large and fragmented mortgage marketplace, we believe we are well-positioned as a specialty bank that uses a widely accepted and growing digitally-enabled platform to serve the borrowing and payment needs of increasingly sophisticated mortgage warehouse MPP clients and the rapidly evolving demands of professional mortgage originators and retail borrowers. Our strategy is to primarily operate four major business channels that offer products which we believe requires differentiated expertise in order to originate, hold and service those products. We believe our specialized credit, technology and payment processing expertise allows us to successfully compete and achieve the desired profitability in the channels in which we operate. We have expertise in the below businesses, which are reflected in our two primary business channels: 1) Mortgage Warehouse, or Mortgage Purchase Program (“MPP”) — our mortgage warehouse revolving purchase facility, which we refer to as MPP, utilizes proprietary software and payment technology which is integrated with our credit underwriting process to manage the high velocity of credit extension draws and repayments that result from extensive use by our MPP clients of their revolving purchase facilities. We process approximately $2.2 billion in funding draws/repayments per month; and have experienced no charge-offs in our 15-year history of MPP lending. 2) Retail Banking, including Residential Lending and our All-in-One (“AIO”) Loan — are a rapidly growing category of specialized first mortgage revolving (HELOC-styled) loans, linked by one account to a demand deposit bank account of the borrower. An AIO account requires us to accurately process a high frequency of payments, including changes in payment amounts associated with variable rate structures, revolving loan features and constantly changing balances of contractually linked demand deposit accounts. a. Specialized Mortgage Loan & Deposit Account Servicing — requires highly developed operating skills and a customized platform capable of: (a) being approved and rated by major agencies to handle subservicing AIO-style loans, (b) being a well-capitalized FDIC-insured depository institution able to accept deposits, and (c) documenting significant compliance requirements. We believe very few financial institutions have been able to offer and successfully conduct the servicing of the variable rate, varying balance and higher velocity of payments related to such linked loan and deposit accounts. We further believe we are the largest of the limited number of entities that originate, hold and service these types of loans for their own balance sheet, as well as being rated and approved for servicing such products for other issuers. b. Digital Deposit Banking — requires delivery of easy to use, real-time branchless banking to retail deposit customers nationwide with a technologically competitive delivery framework. While many financial institutions offer digital banking, our digital-only focus has allowed us to remain contemporary without being “a bleeding edge” provider. We provide our digital banking services along with attractive rates to a focused digital banking customer subset that fit our specific balance sheet strategy. Our principal executive office is located at 3333 Deposit Drive Northeast, Grand Rapids, Michigan.
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A regional Wells Fargo, known for traditional banking services and a strong mortgage business.
The banking version of Rocket Mortgage, offering traditional branch services and a full suite of banking products.
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- Residential Mortgage Lending: Provides a variety of loan products for individuals seeking to purchase, refinance, or construct homes.
- Commercial Lending: Offers tailored loan solutions, lines of credit, and real estate financing for businesses of all sizes.
- Deposit Services: Manages a range of personal and business deposit accounts, including checking, savings, money market, and certificates of deposit.
- Consumer Lending (Non-Mortgage): Provides various other personal loan products such as home equity lines of credit and auto loans.
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Northpointe Bancshares (NPB) sells primarily to a broad base of individuals and businesses within its operating regions. As a bank, its "major customers" are not specific companies in the traditional sense, but rather segments of the market it serves. Based on its operations as a community bank, its primary customer categories include:
- Retail Customers (Individuals and Households): This category includes individuals and families seeking personal banking services such as checking and savings accounts, mortgage loans, home equity loans, personal loans, and wealth management services.
- Small to Medium-Sized Businesses (SMBs): Northpointe Bancshares provides commercial banking services to a wide range of local businesses. These services typically include business checking and savings accounts, commercial loans and lines of credit, equipment financing, treasury management services, and merchant services.
- Commercial Real Estate (CRE) Investors and Developers: A significant portion of a community bank's portfolio often involves lending to businesses and individuals involved in commercial real estate. This includes financing for the acquisition, development, construction, and refinancing of income-producing properties across various sectors like office, retail, multi-family, industrial, and mixed-use.
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- Crowe LLP
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Charles A. Williams, Founder, Chairman of the Board and Chief Executive Officer
Mr. Williams has over 42 years of experience in the banking industry. He is the Founder of Northpointe Bancshares, Inc.. Prior to becoming Chief Executive Officer of the Company and the Bank in 1998, Mr. Williams served as a Senior Vice President, Senior Lending Officer, and Director of First National Bank of America (formerly named First National Bank of Michigan) from 1988 through 1997. His responsibilities included originating, negotiating, approving, and administering loans. He also served on the executive committee of the board of directors and participated on all major senior management committees at First National Bank of America. Mr. Williams holds a degree from the Graduate School of Banking at the University of Wisconsin.
Brad T. Howes, Executive Vice President and Chief Financial Officer
Mr. Howes joined Northpointe Bancshares in 2023 and is responsible for overseeing the finance and accounting functions. From 2021 until 2023, he served as the Chief Financial Officer at West Shore Bank. Mr. Howes possesses over 22 years of experience in the financial services industry, having held various senior finance roles including Director of Investor Relations, Senior Finance Manager of Financial Planning & Analysis, and Chief Financial Officer.
Kevin J. Comps, President and Secretary
Mr. Comps is the President and Secretary of Northpointe Bancshares and its Bank. He joined the Bank in 2012 for three years and returned in 2017. His responsibilities include overseeing Residential Lending, Deposit Banking, Loan Servicing, Information Technology, Compliance, Legal, Administration, Facilities, and Human Resources. Mr. Comps has over 20 years of experience in the financial services industry, with executive management roles such as Director of Finance and Accounting, Controller, and Chief Financial Officer. Prior to Northpointe Bancshares, he held leadership positions at Capitol National Bank, Flagstar Bank, Michigan Commerce Bank, and Capitol Bancorp Limited. He holds a Bachelor of Science degree in Business Administration from Central Michigan University and a degree from the Graduate School of Banking at the University of Wisconsin.
David J. Christel, President of Mortgage Purchase Program business unit
Mr. Christel joined Northpointe Bank in 2010 and is responsible for overseeing the company's Mortgage Purchase Program (MPP) business. He has over 25 years of experience in mortgage warehouse lending and commercial banking. Before joining Northpointe Bank, Mr. Christel served as president of NattyMac, a nationwide warehouse lender, from 2004 to 2010. He also held Senior Level Management positions with Citigroup from 2000 to 2004, Republic Bank from 1996 to 2000, and HSBC from 1988 to 1996. Mr. Christel holds a Bachelor of Science degree in business administration from the University of Buffalo.
Amy M. Butler, Executive Vice President of National Sales
Ms. Butler graduated Magna Cum Laude from the University of Georgia with a degree. She is an advocate for collaboration and growth within the home lending industry.
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Northpointe Bancshares (NPB) faces several key risks, primarily stemming from its significant exposure to the mortgage market and broader economic conditions. The most significant risks include: 1. **Heavy Dependence on Mortgage Lending and Sensitivity to Economic and Interest Rate Fluctuations** Northpointe Bancshares is highly reliant on mortgage lending and the overall health of the U.S. consumer. Its primary revenue streams are directly influenced by interest rates and the strength of the economy. Potential threats to the company's earnings growth include rising inflation, an increase in the unemployment rate, and a possible recession. A sustained downturn in U.S. housing activity or declining home prices could lead to reduced loan demand, pressure on pricing, and increased loss severity, thereby negatively impacting revenue growth and net margins over time. Prolonged elevated interest rates also pose a risk to the company's financial projections. 2. **Funding Risks and Reliance on Wholesale Funding** Northpointe Bancshares' business model depends on consistent access to low-cost deposits. However, a substantial portion of its funding (67.6%) comes from wholesale funding. Should competition for deposits intensify or if inflows from custodial and digital deposits slow, the bank might be compelled to offer higher rates for funding, which would compress its net interest margin and limit earnings growth. There is a risk that the cost of funding could increase if the company is unable to continue attracting stable, low-cost deposits. 3. **Credit Risk and Asset Quality Management** The company faces risks related to managing its credit risk effectively and maintaining sufficient allowance for credit losses (ACL). The adequacy of these reserves and the methodology used for their calculation are critical. Additionally, there is a possibility that the bank could be required to repurchase mortgage loans or indemnify buyers. The broader real estate, financial, and credit markets, along with national and regional economic changes, inherently introduce uncertainty regarding asset quality.AI Analysis | Feedback
The clear emerging threat for Northpointe Bancshares (NPB) is the rapid expansion and increasing sophistication of **digital-only banks and specialized fintech companies.** These entities leverage technology to offer banking services such as deposits, payments, and various forms of lending (e.g., mortgages, personal loans) with lower overheads, often higher interest rates on deposits, reduced fees, and superior digital user experiences. This model directly competes with and erodes the traditional customer base and revenue streams of community banks like NPB, particularly among younger generations and customers prioritizing digital convenience over physical branch presence and local relationships. This mirrors historical disruptions where technology-first models significantly impacted established brick-and-mortar industries.
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For Northpointe Bancshares (symbol: NPB), their main products and services primarily serve the **U.S. market**.
Main Products and Services and their Addressable Markets:
-
Mortgage Purchase Program (MPP) / Residential Mortgage Lending: Northpointe Bancshares operates a nationwide mortgage purchase program and provides residential mortgage loans to retail customers across the United States.
- U.S. Mortgage Origination Market Size: The total mortgage origination volume in the U.S. is projected to reach approximately $2.3 trillion in 2025.
- U.S. Outstanding Mortgage Debt Market Size: The total outstanding mortgage debt in the U.S. was approximately $13.07 trillion as of the third quarter of 2025.
-
Digital Deposit Banking: Northpointe Bancshares offers digital deposit banking services, including various types of accounts like noninterest-bearing accounts, savings, money-market demand accounts, and certificates of deposits, to retail customers nationwide.
- U.S. Retail Banking Market Size: The United States retail banking market is valued at approximately $0.87 trillion (USD 870 billion) in 2025. This market encompasses services for individual financial management, including various deposit products.
- U.S. Total Deposits: As a broader indicator of the pool of funds available in the banking system, total deposits in U.S. commercial banks were reported at approximately $17.92 trillion in February 2025.
-
Custodial Deposit Services: Northpointe Bancshares provides custodial deposit services to its loan servicing clients.
- Addressable Market Size: null
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Northpointe Bancshares (NPB) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- Growth in Mortgage Purchase Program (MPP) Balances: Northpointe Bancshares anticipates robust growth in its Mortgage Purchase Program. The company expects MPP balances to reach between $4.1 billion and $4.3 billion by the end of 2026, with an additional $300 million to $500 million potentially participated out. This program has demonstrated strong performance, with balances increasing significantly in recent quarters, including a $1.7 billion increase over the prior year as of Q3 2025.
- Expansion of All-in-One (AIO) Loan Portfolio: The All-in-One loan portfolio is a significant driver of growth. This portfolio experienced a 23% annualized growth, driven by increased mortgage block and application activity. Northpointe forecasts AIO loans to increase to between $900 million and $1 billion by the end of 2026.
- Increase in Interest-Bearing Demand Deposits and Custodial Relationships: The company is focused on expanding its non-brokered deposit base. A new core custodial deposit relationship significantly contributed to a $300 million rise in interest-bearing demand deposits in Q3 2025, bolstering Northpointe's core deposit base. Management highlighted the strategy behind new custodial deposit growth as a key area.
- Strong Residential Lending Activity and Mortgage Originations: Beyond the MPP and AIO specific growth, overall residential lending activity is expected to contribute to revenue. The company reported increased mortgage lock and application activity in Q3 2025. Saleable mortgage originations are projected at $2.1 billion to $2.3 billion for 2025 and $2.2 billion to $2.4 billion for 2026. This indicates a sustained focus on and expected positive performance from its mortgage-focused business model.
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Share Repurchases
- Northpointe Bancshares had a 5-Year Share Buyback Ratio of 0.00%, indicating no significant share repurchases over the past five years.
- The 6-Month Share Buyback Ratio as of August 22, 2025, was -0.16%, suggesting share issuance rather than repurchases during that period.
Share Issuance
- The company completed its initial public offering (IPO) on February 13, 2025.
- Northpointe Bancshares priced its IPO of 10,420,000 shares of common stock at $14.50 per share, with 8,620,000 shares offered by Northpointe and 1,800,000 shares by selling shareholders.
- Northpointe received net proceeds of approximately $114.4 million from the IPO, after deducting underwriting discounts, commissions, and estimated offering expenses, intending to use the proceeds for general corporate purposes, including growing existing lines of business or redeeming preferred stock.
- Shares issued and outstanding increased from 25,684,560 at December 31, 2024, to 34,364,659 at June 30, 2025.
Capital Expenditures
- The book value of premises and equipment increased slightly from $27.292 million at December 31, 2024, to $27.479 million at June 30, 2025, indicating approximately $0.187 million in additions over that six-month period.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Is Northpointe Bancshares Stock Built to Withstand a Pullback? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to NPB.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 01302026 | FDS | FactSet Research Systems | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -18.8% | -18.8% | -25.3% |
| 01302026 | PFSI | PennyMac Financial Services | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -6.9% | -6.9% | -9.3% |
| 01302026 | ALLY | Ally Financial | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | -1.9% | -1.9% | -5.5% |
| 01232026 | FIS | Fidelity National Information Services | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -18.9% | -18.9% | -22.6% |
| 01022026 | MORN | Morningstar | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -18.1% | -18.1% | -26.8% |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 91.50 |
| Mkt Cap | 5.1 |
| Rev LTM | 2,327 |
| Op Inc LTM | 551 |
| FCF LTM | -812 |
| FCF 3Y Avg | -1,735 |
| CFO LTM | -785 |
| CFO 3Y Avg | -1,628 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 30.4% |
| Rev Chg 3Y Avg | 18.7% |
| Rev Chg Q | 22.1% |
| QoQ Delta Rev Chg LTM | 5.5% |
| Op Mgn LTM | 10.8% |
| Op Mgn 3Y Avg | 12.0% |
| QoQ Delta Op Mgn LTM | -2.8% |
| CFO/Rev LTM | -1.9% |
| CFO/Rev 3Y Avg | -50.9% |
| FCF/Rev LTM | -2.9% |
| FCF/Rev 3Y Avg | -54.6% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 5.1 |
| P/S | 3.3 |
| P/EBIT | 8.8 |
| P/E | 11.4 |
| P/CFO | 2.4 |
| Total Yield | 8.8% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | -19.0% |
| D/E | 0.3 |
| Net D/E | -0.1 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 2.1% |
| 3M Rtn | 8.9% |
| 6M Rtn | 3.3% |
| 12M Rtn | 29.7% |
| 3Y Rtn | 56.2% |
| 1M Excs Rtn | 3.1% |
| 3M Excs Rtn | 9.5% |
| 6M Excs Rtn | -3.0% |
| 12M Excs Rtn | 13.0% |
| 3Y Excs Rtn | -17.9% |
Segment Financials
Revenue by Segment| $ Mil | 2024 | 2023 |
|---|---|---|
| Retail Banking | 165 | 234 |
| Mortgage Purchase Program (MPP) | 31 | 24 |
| Total | 196 | 258 |
| $ Mil | 2024 | 2023 |
|---|---|---|
| Mortgage Purchase Program (MPP) | 17 | 12 |
| Retail Banking | 16 | 11 |
| Total | 34 | 23 |
| $ Mil | 2024 | 2023 |
|---|---|---|
| Retail Banking | 3,612 | 3,608 |
| Mortgage Purchase Program (MPP) | 1,147 | 792 |
| Total | 4,758 | 4,400 |
Price Behavior
Price Behavior
| Market Price | $18.46 | |
| Market Cap ($ Bil) | 0.6 | |
| First Trading Date | 02/14/2025 | |
| Distance from 52W High | -2.3% | |
| 50 Days | 200 Days | |
| DMA Price | $14.82 | $14.38 |
| DMA Trend | up | up |
| Distance from DMA | 24.6% | 28.3% |
| 3M | 1YR | |
| Volatility | 31.0% | 33.6% |
| Downside Capture | 71.23 | 63.87 |
| Upside Capture | 103.02 | 79.59 |
| Correlation (SPY) | 30.6% | 42.7% |
NPB Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.53 | 1.11 | 1.21 | 1.22 | -0.05 | -0.19 |
| Up Beta | 1.53 | 1.81 | 1.71 | 2.05 | -0.02 | -0.16 |
| Down Beta | 1.91 | 1.20 | 1.12 | 1.19 | 0.24 | -0.04 |
| Up Capture | 133% | 70% | 137% | 109% | 62% | 7% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 12 | 19 | 31 | 67 | 119 | 119 |
| Down Capture | 107% | 109% | 92% | 88% | 72% | 46% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 8 | 21 | 29 | 57 | 119 | 119 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NPB | |
|---|---|---|---|---|
| NPB | 29.6% | 33.5% | 0.81 | - |
| Sector ETF (XLF) | 4.1% | 19.7% | 0.09 | 47.5% |
| Equity (SPY) | 17.1% | 19.4% | 0.69 | 42.4% |
| Gold (GLD) | 79.3% | 25.7% | 2.25 | -2.4% |
| Commodities (DBC) | 10.9% | 16.8% | 0.45 | -1.5% |
| Real Estate (VNQ) | 6.6% | 16.6% | 0.21 | 31.4% |
| Bitcoin (BTCUSD) | -23.4% | 45.1% | -0.46 | 18.9% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NPB | |
|---|---|---|---|---|
| NPB | 5.1% | 33.1% | 0.77 | - |
| Sector ETF (XLF) | 12.0% | 18.8% | 0.51 | 47.3% |
| Equity (SPY) | 13.6% | 17.0% | 0.63 | 42.5% |
| Gold (GLD) | 23.6% | 17.2% | 1.12 | -2.2% |
| Commodities (DBC) | 10.8% | 19.0% | 0.45 | -1.1% |
| Real Estate (VNQ) | 5.3% | 18.8% | 0.19 | 31.3% |
| Bitcoin (BTCUSD) | 4.0% | 57.0% | 0.29 | 19.0% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NPB | |
|---|---|---|---|---|
| NPB | 2.5% | 33.1% | 0.77 | - |
| Sector ETF (XLF) | 14.0% | 22.2% | 0.58 | 47.3% |
| Equity (SPY) | 15.5% | 17.9% | 0.74 | 42.5% |
| Gold (GLD) | 15.1% | 15.6% | 0.81 | -2.2% |
| Commodities (DBC) | 8.5% | 17.6% | 0.40 | -1.1% |
| Real Estate (VNQ) | 6.6% | 20.7% | 0.28 | 31.3% |
| Bitcoin (BTCUSD) | 66.3% | 66.8% | 1.06 | 19.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/22/2025 | 0.1% | -0.8% | 11.1% |
| 4/22/2025 | 5.1% | 7.8% | 5.2% |
| SUMMARY STATS | |||
| # Positive | 2 | 1 | 2 |
| # Negative | 0 | 1 | 0 |
| Median Positive | 2.6% | 7.8% | 8.1% |
| Median Negative | -0.8% | ||
| Max Positive | 5.1% | 7.8% | 11.1% |
| Max Negative | -0.8% | ||
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Lawrence, David F | Direct | Buy | 10292025 | 16.58 | 500 | 8,290 | 8,290 | Form | |
| 2 | Hooker, David Stevens | See footnote | Sell | 9192025 | 18.21 | 65,161 | 1,186,582 | 15,203,147 | Form | |
| 3 | De, Vlieger Robert W Ii | See footnote | Sell | 3052025 | 13.56 | 50,819 | 689,106 | 10,316,828 | Form | |
| 4 | Williams, Charles Alan | Chairman and CEO | Direct | Buy | 2212025 | 14.50 | 17,241 | 249,994 | 249,994 | Form |
| 5 | Second, Rewrittwen Trust Indenture Of The John S Simoni Living Trust | Direct | Sell | 2202025 | 14.50 | 66,956 | 970,862 | 37,347,128 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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