Northpointe Bancshares, Inc. cash flow to debt ratio of 2.88% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Northpointe Bancshares, Inc.'s free cash flow has increased 121.39% from $18.76M last year to $41.53M, signaling increasing performance

Northpointe Bancshares, Inc.'s debt to equity ratio is 2.66, which means that the company's assets are unhealthy financed, signaling financial risk.

Northpointe Bancshares, Inc.'s debt has decreased relative to shareholder equity from 2.82 last year to 2.66 today, signaling strengthened financials

Northpointe Bancshares, Inc. has a net debt to EBITDA ratio of 9.17x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Northpointe Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Northpointe Bancshares, Inc.'s profit margin has increased (43.32%) in the last year from 14.13% to 20.25%, signaling increasing performance

Northpointe Bancshares, Inc.'s short-term liabilities of $4.87B exceed its short-term assets of $496.46M, signaling financial risk

Northpointe Bancshares, Inc.'s return on assets of 1.19% is lower than the 5.00% threshold, indicating inefficient asset utilization

Northpointe Bancshares, Inc.'s return on equity of 14.99%, is lower than 15.00%, indicating bad performance

Northpointe Bancshares, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Northpointe Bancshares, Inc. has insufficient public price history to evaluate earnings stability.

Northpointe Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Northpointe Bancshares, Inc. has a free cash flow yield of 7.09%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Northpointe Bancshares, Inc.'s yearly earnings has increased 51.22% since last year from $55.16M to $83.41M, signaling increasing performance

Northpointe Bancshares, Inc.'s yearly revenue has increased % since last year from $0.00 to $471.18M, signaling increasing performance

ROIC 0.61% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Northpointe Bancshares, Inc.'s 3-year revenue CAGR of 13.27% is positive, indicating growing revenue over the past 3 years

Northpointe Bancshares, Inc. has insufficient public price history to evaluate revenue consistency.

Northpointe Bancshares, Inc. has insufficient public price history to evaluate ROE consistency.

Northpointe Bancshares, Inc. has insufficient data to evaluate this check.

Northpointe Bancshares, Inc. has an earnings yield of 15.21%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Northpointe Bancshares, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Northpointe Bancshares, Inc. has an EV/EBITDA ratio of 14.33x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Northpointe Bancshares, Inc. has insufficient data to evaluate this check.

Northpointe Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued

Northpointe Bancshares, Inc. has a price-to-book ratio of 0.96x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Northpointe Bancshares, Inc. has a price-to-sales ratio of 1.33x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue