Northpointe BancsharesNPB +1.61%8 Net Margin % is 34.93% as of Mar. 2026, which is 50% above its 10-year median of 23.34. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 4 warning signs investors should review. Among 1,530 Banks companies, Northpointe Bancshares ranks better than 75.36% on this metric.
The historical rank and industry rank for Northpointe Bancshares's Net Margin % or its related term are showing as below:
NPB'
s Net Margin % Range Over the Past 10 Years
Min: 9.02 Med: 23.34 Max: 35.06
Current: 35.06
NPB's Net Margin % is ranked better than 75.36% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs NPB: 35.06
Northpointe Bancshares (NYSE:NPB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Northpointe Bancshares Net Margin % Related Terms
Northpointe Bancshares Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Northpointe Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Northpointe Bancshares's Net 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 Net Margin % of 34.93% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Northpointe Bancshares and its competitors. This is 50% above median its historical median of 23.34. Over the past decade, Northpointe Bancshares' Net Margin % has ranged from 9.02 to 35.06. According to the industry distribution chart, Northpointe Bancshares ranks #377 out of 1530 companies in the Banks industry, placing it in the top 24.6%.
Is Northpointe Bancshares' Net Margin % too high?
Northpointe Bancshares' current Net Margin % of 34.93% is 50% above median its 10-year median of 23.34. Over the past 10 years, this metric has ranged from a low of 9.02 to a high of 35.06. The Banks industry median Net Margin % is 26.85. Northpointe Bancshares' value of 34.93% is 30.1% above this industry median. Based on the distribution chart, Northpointe Bancshares ranks #377 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position 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' Net Margin % compare to NFBK and RCBC?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #377 out of 1530 companies for Net Margin %. This places Northpointe Bancshares in the top 25% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. Northpointe Bancshares' value of 34.93% is 30.1% above this benchmark. Historically, Northpointe Bancshares' own Net Margin % has ranged from 9.02 to 35.06 over the past decade. While the company's 10-year median is 23.34 vs. the industry median of 26.85, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northpointe Bancshares's current Net Margin % of 34.93% is 30.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Northpointe Bancshares and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northpointe Bancshares's current Net Margin % is 34.93%, which is 50% above median its own 10-year median of 23.34. 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 Net Margin % of 34.93%. The current Net Margin % is 34.93%, which is 50% above median its 10-year median of 23.34 and 30.1% above the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current Net Margin % is 34.93% 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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