Northpointe BancsharesNPB +0.68%8 Return-on-Tangible-Equity is 15.85% as of Mar. 2026, which is 28% above its 10-year median of 12.38. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Northpointe Bancshares ranks better than 76.23% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Northpointe Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $88.6 Mil. Northpointe Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $559.2 Mil. Therefore, Northpointe Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 15.85%.
The historical rank and industry rank for Northpointe Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
NPB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.5 Med: 12.38 Max: 16.75
Current: 15.34
During the past 4 years, Northpointe Bancshares's highest Return-on-Tangible-Equity was 16.75%. The lowest was 7.50%. And the median was 12.38%.
NPB's Return-on-Tangible-Equity is ranked better than 76.23% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs NPB: 15.34
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Northpointe Bancshares Return-on-Tangible-Equity Related Terms
Northpointe Bancshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Northpointe Bancshares's Return-on-Tangible-Equity can be seen below:
* 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.
NPB vs BHB, AMBZ, MSBI: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Northpointe Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Northpointe Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Northpointe Bancshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 15.85% mean?
Northpointe Bancshares (NPB) has a Return-on-Tangible-Equity of 15.85% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Northpointe Bancshares and its competitors. This is 28% above median its historical median of 12.38. Over the past decade, Northpointe Bancshares' Return-on-Tangible-Equity has ranged from 7.50 to 16.75. According to the industry distribution chart, Northpointe Bancshares ranks #362 out of 1523 companies in the Banks industry, placing it in the top 23.8%.
Is Northpointe Bancshares' Return-on-Tangible-Equity too high?
Northpointe Bancshares' current Return-on-Tangible-Equity of 15.85% is 28% above median its 10-year median of 12.38. Over the past 10 years, this metric has ranged from a low of 7.50 to a high of 16.75. The Banks industry median Return-on-Tangible-Equity is 11.20. Northpointe Bancshares' value of 15.85% is 41.5% above this industry median. Based on the distribution chart, Northpointe Bancshares ranks #362 out of 1523 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' Return-on-Tangible-Equity compare to BHB and AMBZ?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #362 out of 1523 companies for Return-on-Tangible-Equity. This places Northpointe Bancshares in the top 24% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Northpointe Bancshares' value of 15.85% is 41.5% above this benchmark. Historically, Northpointe Bancshares' own Return-on-Tangible-Equity has ranged from 7.50 to 16.75 over the past decade. While the company's 10-year median is 12.38 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northpointe Bancshares's current Return-on-Tangible-Equity of 15.85% is 41.5% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Northpointe Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northpointe Bancshares's current Return-on-Tangible-Equity is 15.85%, which is 28% above median its own 10-year median of 12.38. 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 Return-on-Tangible-Equity of 15.85%. The current Return-on-Tangible-Equity is 15.85%, which is 28% above median its 10-year median of 12.38 and 41.5% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current Return-on-Tangible-Equity is 15.85% 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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