Northpointe BancsharesNPB +1.61%8 OCF Margin % is 59.43% as of Mar. 2026, which is 57% below its 10-year median of 137.59. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 4 warning signs investors should review. Among 1,505 Banks companies, Northpointe Bancshares ranks worse than 69.9% 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Northpointe Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Northpointe Bancshares's OCF 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 OCF Margin % of 59.43% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Northpointe Bancshares and its competitors. This is 57% below median its historical median of 137.59. Over the past decade, Northpointe Bancshares' OCF Margin % has ranged from 10.59 to 524.79. According to the industry distribution chart, Northpointe Bancshares ranks #1052 out of 1505 companies in the Banks industry, placing it in the top 69.9%.
Is Northpointe Bancshares' OCF Margin % too high?
Northpointe Bancshares' current OCF Margin % of 59.43% is 57% below median its 10-year median of 137.59. Over the past 10 years, this metric has ranged from a low of 10.59 to a high of 524.79. The Banks industry median OCF Margin % is 29.44. Northpointe Bancshares' value of 59.43% is 101.9% above this industry median. Based on the distribution chart, Northpointe Bancshares ranks #1052 out of 1505 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' OCF Margin % compare to NFBK and RCBC?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #1052 out of 1505 companies for OCF Margin %. This places Northpointe Bancshares in the lower half of its industry. The industry median OCF Margin % is 29.44. Northpointe Bancshares' value of 59.43% is 101.9% above this benchmark. Historically, Northpointe Bancshares' own OCF Margin % has ranged from 10.59 to 524.79 over the past decade. While the company's 10-year median is 137.59 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northpointe Bancshares's current OCF Margin % of 59.43% is 101.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Northpointe Bancshares and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northpointe Bancshares's current OCF Margin % is 59.43%, which is 57% below median its own 10-year median of 137.59. 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 OCF Margin % of 59.43%. The current OCF Margin % is 59.43%, which is 57% below median its 10-year median of 137.59 and 101.9% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current OCF Margin % is 59.43% 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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