Northpointe Bancshares, Inc.
Financial ServicesNYSE:NPB · New York Stock Exchange
-$0.05 today
Vol 0.17M · Avg 0.16M
Income Statement
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Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$493.1M of revenue converted into $88.3M of net income for the selected period. Gross margin is 51.1% and net margin is 17.9%, showing how much revenue survives after costs and taxes. EPS is $5.11, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $471.2M +20.7% | $390.5M +7.7% | $362.4M +11.8% | $324.2M +14852.3% | $2.2M | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $231.6M +14.1% | $203.0M +23.3% | $164.7M +139.0% | $68.9M +5923.8% | $1.1M | $725.6M | $804.0M | $882.4M |
| Gross Profit | $239.6M +27.8% | $187.5M -5.2% | $197.8M -22.5% | $255.3M +24819.3% | $1.0M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 50.9% +2.8pp | 48.0% -6.6pp | 54.6% -24.2pp | 78.7% +31.5pp | 47.3% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 -100.0% | $29.9M | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $93.6M +20.3% | $77.8M -25.4% | $104.3M -34.8% | $159.9M +621.1% | $22.2M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $129.2M +12.8% | $114.6M -25.1% | $153.1M -30.9% | $221.6M +325.8% | $52.1M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $0 -100.0% | $3.8M -5.4% | $4.0M -0.0% | $4.0M +377.9% | $840.9K | $374.2M | $1.2B | $631.8M |
| EBITDA | $110.4M +44.0% | $76.7M +57.4% | $48.7M +29.1% | $37.7M +166.5% | -$56.7M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 23.4% +3.8pp | 19.6% +6.2pp | 13.4% +1.8pp | 11.6% +2625.1pp | -2613.5% | 5.6% | 46.3% | 42.0% |
| Operating Income | $110.4M +51.5% | $72.9M +63.1% | $44.7M +32.6% | $33.7M +166.0% | -$51.0M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 23.4% +4.8pp | 18.7% +6.3pp | 12.3% +1.9pp | 10.4% +2363.5pp | -2353.1% | 16.6% | 24.1% | 22.0% |
| Interest Income | $380.2M +19.7% | $317.5M +18.8% | $267.4M +61.0% | $166.1M +31510.3% | $525.5K | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $229.5M +12.9% | $203.3M +22.4% | $166.2M +149.2% | $66.7M | $0 | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 +100.0% | -$6.5M | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $110.4M +51.5% | $72.9M +63.1% | $44.7M +32.6% | $33.7M +158.6% | -$57.5M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 23.4% +4.8pp | 18.7% +6.3pp | 12.3% +1.9pp | 10.4% +2662.7pp | -2652.3% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $27.0M +52.3% | $17.7M +62.2% | $10.9M +4.5% | $10.5M +13555.9% | -$77.7K | $1.3B | -$1.6B | $745.2M |
| Net Income | $83.4M +51.2% | $55.2M +63.4% | $33.8M +45.3% | $23.2M +140.5% | -$57.4M | $4.9B | $4.8B | $4.7B |
| Net Margin | 17.7% +3.6pp | 14.1% +4.8pp | 9.3% +2.1pp | 7.2% +2655.9pp | -2648.7% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $5 +56.2% | $3 +95.7% | $2 +75.0% | $1 +152.9% | -$2 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $5 +54.0% | $3 +95.7% | $2 +75.0% | $1 +152.9% | -$2 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $14.5M -2.6% | $14.9M +0.0% | $14.9M +0.0% | $14.9M -54.8% | $33.0M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $14.7M -1.3% | $14.9M +0.0% | $14.9M +0.0% | $14.9M -54.8% | $33.0M | $1.2B | $924.4M | $678.0M |
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How much revenue does NPB generate?
Northpointe Bancshares, Inc. (NPB) reported $471.18M of revenue in fiscal 2025.
Is NPB profitable?
Northpointe Bancshares, Inc. (NPB) reported $83.41M of net income, with a net margin of 17.7%.
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