Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Northpointe BancsharesNPB +0.41%8 EV-to-OCF is 61.12 as of Aug. 12, 2026, which is 60% above its 10-year median of 38.15. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 3 warning signs investors should review. Among 1,497 Banks companies, Northpointe Bancshares ranks worse than 96.66% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Northpointe Bancshares's Enterprise Value is $1,684.5 Mil.
Northpointe Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $27.6 Mil. Therefore, Northpointe Bancshares's EV-to-OCF for today is 61.12.
The historical rank and industry rank for Northpointe Bancshares's EV-to-OCF or its related term are showing as below:
NPB'
s EV-to-OCF Range Over the Past 10 Years
Min: 18.74 Med: 38.15 Max: 71.97
Current: 61.12
During the past 4 years, the highest EV-to-OCF of Northpointe Bancshares was 71.97. The lowest was 18.74. And the median was 38.15.
NPB's EV-to-OCF is ranked worse than 96.66% of 1497
companies
in the Banks industry
Industry Median: 3.99
vs NPB: 61.12
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Northpointe Bancshares's PE Ratio (TTM) for today is calculated as:
Northpointe Bancshares's share price for today is $17.16.
Northpointe Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.310.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Northpointe Bancshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Northpointe Bancshares's EV-to-OCF falls into.
Northpointe Bancshares's current Enterprise Value is $1,684.5 Mil.
Northpointe Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $27.6 Mil.
* 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 EV-to-OCF of 61.12 as of Aug. 12, 2026. This is 60% above median its historical median of 38.15. Over the past decade, Northpointe Bancshares' EV-to-OCF has ranged from 18.74 to 71.97. According to the industry distribution chart, Northpointe Bancshares ranks #1447 out of 1497 companies in the Banks industry, placing it in the top 96.7%.
Is Northpointe Bancshares' EV-to-OCF too high?
Northpointe Bancshares' current EV-to-OCF of 61.12 is 60% above median its 10-year median of 38.15. Over the past 10 years, this metric has ranged from a low of 18.74 to a high of 71.97. The Banks industry median EV-to-OCF is 3.99. Northpointe Bancshares' value of 61.12 is 1431.8% above this industry median. Based on the distribution chart, Northpointe Bancshares ranks #1447 out of 1497 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' EV-to-OCF compare to CIVB and KRNY?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #1447 out of 1497 companies for EV-to-OCF. This places Northpointe Bancshares in the lower half of its industry. The industry median EV-to-OCF is 3.99. Northpointe Bancshares' value of 61.12 is 1431.8% above this benchmark. Historically, Northpointe Bancshares' own EV-to-OCF has ranged from 18.74 to 71.97 over the past decade. While the company's 10-year median is 38.15 vs. the industry median of 3.99, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.99, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northpointe Bancshares's current EV-to-OCF of 61.12 is 1431.8% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northpointe Bancshares's current EV-to-OCF is 61.12, which is 60% above median its own 10-year median of 38.15. 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 EV-to-OCF of 61.12. The current EV-to-OCF is 61.12, which is 60% above median its 10-year median of 38.15 and 1431.8% above the Banks industry median of 3.99. Northpointe Bancshares' overall GF Score™ is 8/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current EV-to-OCF is 61.12 as of Aug. 12, 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.
8GF Score
Get the complete analysis for NPB
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NPB has been successfully added to your 
