Northpointe BancsharesNPB +1.61%8 PB Ratio is 1.11 as of Jun. 28, 2026, which is 11% above its 10-year median of 1.00. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 4 warning signs investors should review. Among 1,519 Banks companies, Northpointe Bancshares ranks worse than 51.22% on this metric.
Northpointe Bancshares Inc stock PB Ratio (=1.11) is close to 2-year high of 1.14.
The historical rank and industry rank for Northpointe Bancshares's PB Ratio or its related term are showing as below:
NPB'
s PB Ratio Range Over the Past 10 Years
Min: 0.69 Med: 1 Max: 1.14
Current: 1.11
During the past 4 years, Northpointe Bancshares's highest PB Ratio was 1.14. The lowest was 0.69. And the median was 1.00.
NPB's PB Ratio is ranked worse than 51.22% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs NPB: 1.11
During the past 12 months, Northpointe Bancshares's average Book Value Per Share Growth Rate was 0.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.70% per year.
During the past 4 years, the highest 3-Year average Book Value Per Share Growth Rate of Northpointe Bancshares was 10.70% per year. The lowest was 10.70% per year. And the median was 10.70% per year.
Back to Basics: PB Ratio
Northpointe Bancshares (NYSE:NPB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Northpointe Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Northpointe Bancshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Northpointe Bancshares (NPB) has a PB Ratio of 1.11 as of Jun. 28, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Northpointe Bancshares and its competitors. This is 11% above median its historical median of 1.00. Over the past decade, Northpointe Bancshares' PB Ratio has ranged from 0.69 to 1.14. According to the industry distribution chart, Northpointe Bancshares ranks #778 out of 1519 companies in the Banks industry, placing it in the top 51.2%.
Is Northpointe Bancshares' PB Ratio too high?
Northpointe Bancshares' current PB Ratio of 1.11 is 11% above median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 1.14. The Banks industry median PB Ratio is 1.09. Northpointe Bancshares' value of 1.11 is 1.8% above this industry median. Based on the distribution chart, Northpointe Bancshares ranks #778 out of 1519 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' PB Ratio compare to NFBK and RCBC?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #778 out of 1519 companies for PB Ratio. This places Northpointe Bancshares in the lower half of its industry. The industry median PB Ratio is 1.09. Northpointe Bancshares' value of 1.11 is 1.8% above this benchmark. Historically, Northpointe Bancshares' own PB Ratio has ranged from 0.69 to 1.14 over the past decade. While the company's 10-year median is 1.00 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northpointe Bancshares's current PB Ratio of 1.11 is 1.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Northpointe Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northpointe Bancshares's current PB Ratio is 1.11, which is 11% above median its own 10-year median of 1.00. 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 PB Ratio of 1.11. The current PB Ratio is 1.11, which is 11% above median its 10-year median of 1.00 and 1.8% above the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current PB Ratio is 1.11 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.
8GF Score
Get the complete analysis for NPB
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NPB has been successfully added to your 
