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Northpointe BancsharesNPB +1.89%8 Debt-to-Equity is 2.96 as of Mar. 2026, which is 10% above its 10-year median of 2.70. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 2 warning signs investors should review. Among 1,418 Banks companies, Northpointe Bancshares ranks worse than 92.1% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Northpointe Bancshares's Debt-to-Equity or its related term are showing as below:
NPB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 2.16 Med: 2.7 Max: 3.05
Current: 2.96
During the past 4 years, the highest Debt-to-Equity Ratio of Northpointe Bancshares was 3.05. The lowest was 2.16. And the median was 2.70.
NPB's Debt-to-Equity is ranked worse than 92.1% of 1418
companies
in the Banks industry
Industry Median: 0.57
vs NPB: 2.96
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Northpointe Bancshares Debt-to-Equity Related Terms
Northpointe Bancshares Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Northpointe Bancshares's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Northpointe Bancshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Northpointe Bancshares Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Northpointe Bancshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Northpointe Bancshares's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Northpointe Bancshares (NPB) has a Debt-to-Equity of 2.96 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Northpointe Bancshares and its competitors. This is 10% above median its historical median of 2.70. Over the past decade, Northpointe Bancshares' Debt-to-Equity has ranged from 2.16 to 3.05. According to the industry distribution chart, Northpointe Bancshares ranks #1306 out of 1418 companies in the Banks industry, placing it in the top 92.1%.
Is Northpointe Bancshares' Debt-to-Equity too high?
Northpointe Bancshares' current Debt-to-Equity of 2.96 is 10% above median its 10-year median of 2.70. Over the past 10 years, this metric has ranged from a low of 2.16 to a high of 3.05. The Banks industry median Debt-to-Equity is 0.57. Northpointe Bancshares' value of 2.96 is 419.3% above this industry median. Based on the distribution chart, Northpointe Bancshares ranks #1306 out of 1418 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Northpointe Bancshares has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Northpointe Bancshares' Debt-to-Equity compare to BHB and AMBZ?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #1306 out of 1418 companies for Debt-to-Equity. This places Northpointe Bancshares in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Northpointe Bancshares' value of 2.96 is 419.3% above this benchmark. Historically, Northpointe Bancshares' own Debt-to-Equity has ranged from 2.16 to 3.05 over the past decade. While the company's 10-year median is 2.70 vs. the industry median of 0.57, Northpointe Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,418 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northpointe Bancshares's current Debt-to-Equity of 2.96 is 419.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Northpointe Bancshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northpointe Bancshares's current Debt-to-Equity is 2.96, which is 10% above median its own 10-year median of 2.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northpointe Bancshares stock overvalued right now?
Northpointe Bancshares (NPB) has a current Debt-to-Equity of 2.96. The current Debt-to-Equity is 2.96, which is 10% above median its 10-year median of 2.70 and 419.3% above the Banks industry median of 0.57. Northpointe Bancshares' overall GF Score™ is 8/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current Debt-to-Equity is 2.96 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Northpointe Bancshares Inc is a bank holding company focused on mortgage portfolio lender. The bank also offers a nationwide mortgage purchase program, residential mortgage lending, digital deposit banking to retail customers and custodial deposit services to loan servicing clients. It offers financial products and services through two business segments, Mortgage Purchase Program provides independent mortgage banking platforms nationwide with an alternative to traditional mortgage warehouse lending; and Retail Banking provides a vast array of financial products and services to consumers nationwide which include residential mortgages, AIO Loans, other consumer loans, and loan servicing, as well as various types of deposit products, including checking, savings and time deposit accounts.
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