Northpointe BancsharesNPB +1.61%8 FCF Yield % is 3.73 as of Jun. 28, 2026, which is 44% below its 10-year median of 6.68. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 4 warning signs investors should review. Among 1,507 Banks companies, Northpointe Bancshares ranks worse than 65.89% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Northpointe Bancshares FCF Yield % Related Terms
Northpointe Bancshares FCF Yield % Historical Data
* 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Northpointe Bancshares's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Northpointe Bancshares's FCF Yield % 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 Yield % of 3.73 as of Jun. 28, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Northpointe Bancshares and its competitors. This is 44% below median its historical median of 6.68. Over the past decade, Northpointe Bancshares' FCF Yield % has ranged from 3.61 to 20.78. According to the industry distribution chart, Northpointe Bancshares ranks #993 out of 1507 companies in the Banks industry, placing it in the top 65.9%.
Is Northpointe Bancshares' FCF Yield % too high?
Northpointe Bancshares' current FCF Yield % of 3.73 is 44% below median its 10-year median of 6.68. Over the past 10 years, this metric has ranged from a low of 3.61 to a high of 20.78. The Banks industry median FCF Yield % is 8.14. Northpointe Bancshares' value of 3.73 is 54.2% below this industry median. Based on the distribution chart, Northpointe Bancshares ranks #993 out of 1507 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 Yield % compare to NFBK and RCBC?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #993 out of 1507 companies for FCF Yield %. This places Northpointe Bancshares in the lower half of its industry. The industry median FCF Yield % is 8.14. Northpointe Bancshares' value of 3.73 is 54.2% below this benchmark. Historically, Northpointe Bancshares' own FCF Yield % has ranged from 3.61 to 20.78 over the past decade. While the company's 10-year median is 6.68 vs. the industry median of 8.14, Northpointe Bancshares has consistently been below 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.14, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northpointe Bancshares's current FCF Yield % of 3.73 is 54.2% below 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Northpointe Bancshares and its competitors. For the Banks industry, the median FCF Yield % is 8.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northpointe Bancshares's current FCF Yield % is 3.73, which is 44% below median its own 10-year median of 6.68. 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 Yield % of 3.73. The current FCF Yield % is 3.73, which is 44% below median its 10-year median of 6.68 and 54.2% below the Banks industry median of 8.14. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current FCF Yield % is 3.73 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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