NPB NORTHPOINTE BANCSHARES INC
Price Chart
Executive Summary
Northpointe Bancshares (NPB) reported Q1 2026 earnings of $0.62 diluted EPS, beating consensus by 1.6% on revenue of $63.8 million, driven by strong growth in its Mortgage Purchase Program and All-in-One loans, with net interest margin compression partially offset by lower provision expense.
Actionable Insight
Monitor next quarter's net interest margin trajectory and MPP loan growth sustainability; the beat was driven by asset quality improvement and loan growth, but margin compression remains a headwind.
Key Facts
- Q1 2026 diluted EPS was $0.62, beating consensus of $0.63 by 1.6% (actual $0.62 vs est $0.63)
- Net interest margin declined 9 basis points to 2.42% due to lower loan yields outpacing deposit cost declines
- Mortgage Purchase Program (MPP) balances grew $435.7 million (51% annualized) and All-in-One (AIO) loans grew $28.0 million (15% annualized)
- Net charge-offs decreased to $266,000 (2 bps annualized) from $1.2 million (8 bps) in Q4 2025
Financial Impact
$21.7 million net income to common stockholders, $0.62 diluted EPS
Risk Factors
- Net interest margin declined 9 basis points to 2.42% due to lower loan yields
- Non-interest expense increased $658,000 sequentially due to higher salaries and benefits
Market Snapshot
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001336706-26-000035 |
| Document: npb-20260421.htm | 0001336706-26-000035 |
| Document: q12026earningscallslides.htm | 0001336706-26-000035 |
| Document: 0001336706-26-000035-index-headers.html | 0001336706-26-000035 |
| Document: 0001336706-26-000035-index.html | 0001336706-26-000035 |
| Document: 0001336706-26-000035.txt | 0001336706-26-000035 |
| 8-K Data (Synthetic) | 0001336706-26-000035 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
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Jun 11, 2026
1d ago
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Institutional Cluster
| $18.25 awaiting T+20 | awaiting T+20 | — | $18.28 (+0.19%) |
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Apr 21, 2026
7w ago
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8-K
| $17.69 $16.92 | ▼ −4.35% | ▼ −7.52% | $18.28 (+3.34%) |
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Mar 3, 2026
14w ago
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Insider Cluster
| $18.35 $17.24 | ▼ −6.04% | ▼ −1.64% | $18.28 (−0.36%) |
US Market Status
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