Northpointe BancsharesNPB +1.61%8 FCF Margin % is 58.78% as of Mar. 2026, which is 57% below its 10-year median of 135.55. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 4 warning signs investors should review. Among 1,509 Banks companies, Northpointe Bancshares ranks worse than 67.26% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Northpointe Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Northpointe Bancshares's FCF Margin % 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 FCF Margin % of 58.78% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Northpointe Bancshares and its competitors. This is 57% below median its historical median of 135.55. Over the past decade, Northpointe Bancshares' FCF Margin % has ranged from 9.69 to 522.81. According to the industry distribution chart, Northpointe Bancshares ranks #1015 out of 1509 companies in the Banks industry, placing it in the top 67.3%.
Is Northpointe Bancshares' FCF Margin % too high?
Northpointe Bancshares' current FCF Margin % of 58.78% is 57% below median its 10-year median of 135.55. Over the past 10 years, this metric has ranged from a low of 9.69 to a high of 522.81. The Banks industry median FCF Margin % is 26.55. Northpointe Bancshares' value of 58.78% is 121.4% above this industry median. Based on the distribution chart, Northpointe Bancshares ranks #1015 out of 1509 companies in the Banks industry, which is below the industry midpoint. Overall, Northpointe Bancshares has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Northpointe Bancshares' FCF Margin % compare to NFBK and RCBC?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #1015 out of 1509 companies for FCF Margin %. This places Northpointe Bancshares in the lower half of its industry. The industry median FCF Margin % is 26.55. Northpointe Bancshares' value of 58.78% is 121.4% above this benchmark. Historically, Northpointe Bancshares' own FCF Margin % has ranged from 9.69 to 522.81 over the past decade. While the company's 10-year median is 135.55 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,509 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northpointe Bancshares's current FCF Margin % of 58.78% is 121.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Northpointe Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northpointe Bancshares's current FCF Margin % is 58.78%, which is 57% below median its own 10-year median of 135.55. 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 FCF Margin % of 58.78%. The current FCF Margin % is 58.78%, which is 57% below median its 10-year median of 135.55 and 121.4% above the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current FCF Margin % is 58.78% 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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