Northpointe BancsharesNPB +1.61%8 EV-to-FCF is 78.46 as of Jun. 28, 2026, which is 94% above its 10-year median of 40.46. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 4 warning signs investors should review. Among 1,196 Banks companies, Northpointe Bancshares ranks worse than 95.57% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Northpointe Bancshares's Enterprise Value is $1,914.7 Mil.
Northpointe Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $24.4 Mil. Therefore, Northpointe Bancshares's EV-to-FCF for today is 78.46.
The historical rank and industry rank for Northpointe Bancshares's EV-to-FCF or its related term are showing as below:
NPB'
s EV-to-FCF Range Over the Past 10 Years
Min: 19.32 Med: 40.46 Max: 79.39
Current: 78.46
During the past 4 years, the highest EV-to-FCF of Northpointe Bancshares was 79.39. The lowest was 19.32. And the median was 40.46.
NPB's EV-to-FCF is ranked worse than 95.57% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs NPB: 78.46
EV-to-FCF 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-FCF 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 $18.91.
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 $2.220.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Northpointe Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Northpointe Bancshares's EV-to-FCF falls into.
Northpointe Bancshares's current Enterprise Value is $1,914.7 Mil.
Northpointe Bancshares's Free Cash Flow 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 $24.4 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-FCF of 78.46 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Northpointe Bancshares and its competitors. This is 94% above median its historical median of 40.46. Over the past decade, Northpointe Bancshares' EV-to-FCF has ranged from 19.32 to 79.39. According to the industry distribution chart, Northpointe Bancshares ranks #1143 out of 1196 companies in the Banks industry, placing it in the top 95.6%.
Is Northpointe Bancshares' EV-to-FCF too high?
Northpointe Bancshares' current EV-to-FCF of 78.46 is 94% above median its 10-year median of 40.46. Over the past 10 years, this metric has ranged from a low of 19.32 to a high of 79.39. The Banks industry median EV-to-FCF is 6.56. Northpointe Bancshares' value of 78.46 is 1096.9% above this industry median. Based on the distribution chart, Northpointe Bancshares ranks #1143 out of 1196 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-FCF compare to NFBK and RCBC?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #1143 out of 1196 companies for EV-to-FCF. This places Northpointe Bancshares in the lower half of its industry. The industry median EV-to-FCF is 6.56. Northpointe Bancshares' value of 78.46 is 1096.9% above this benchmark. Historically, Northpointe Bancshares' own EV-to-FCF has ranged from 19.32 to 79.39 over the past decade. While the company's 10-year median is 40.46 vs. the industry median of 6.56, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northpointe Bancshares's current EV-to-FCF of 78.46 is 1096.9% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Northpointe Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northpointe Bancshares's current EV-to-FCF is 78.46, which is 94% above median its own 10-year median of 40.46. 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-FCF of 78.46. The current EV-to-FCF is 78.46, which is 94% above median its 10-year median of 40.46 and 1096.9% above the Banks industry median of 6.56. Northpointe Bancshares' overall GF Score™ is 8/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current EV-to-FCF is 78.46 as of Jun. 28, 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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