NPB (Northpointe Bancshares) Scaled Net Operating Assets: 0.26 (As of Mar. 2026)


NPB Northpointe Bancshares Inc NPB
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Price $18.91
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What is Northpointe Bancshares Scaled Net Operating Assets?

Northpointe Bancshares NPB +1.61% 8 Scaled Net Operating Assets is 0.26 as of Mar. 2026. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Northpointe Bancshares's operating assets for the quarter that ended in Mar. 2026 was $6,908.3 Mil. Northpointe Bancshares's operating liabilities for the quarter that ended in Mar. 2026 was $5,057.5 Mil. Northpointe Bancshares's Total Assets for the quarter that ended in Dec. 2025 was $7,022.8 Mil. Therefore, Northpointe Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.26.

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Northpointe Bancshares Inc NPB
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Northpointe Bancshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Northpointe Bancshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(6526.366-4917.368)/5224.011
=0.31

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=7022.825 - 496.459
=6526.366

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=6453.783 - 1536.415 - 0
=4917.368

Northpointe Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(6908.26-5057.516)/7022.825
=0.26

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=7395.877 - 487.617
=6908.26

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=6805.884 - 1748.368 - 0
=5057.516

* 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.

What does a Scaled Net Operating Assets of 0.26 mean?
Northpointe Bancshares (NPB) has a Scaled Net Operating Assets of 0.26 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Northpointe Bancshares and its competitors.
Is Northpointe Bancshares' Scaled Net Operating Assets too high?
Northpointe Bancshares' current Scaled Net Operating Assets is 0.26. Overall, Northpointe Bancshares has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Northpointe Bancshares' Scaled Net Operating Assets compare to NFBK and RCBC?
Northpointe Bancshares' Scaled Net Operating Assets of 0.26 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Northpointe Bancshares and its competitors. Northpointe Bancshares's current Scaled Net Operating Assets is 0.26. 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 Scaled Net Operating Assets of 0.26. The current Scaled Net Operating Assets is 0.26. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current Scaled Net Operating Assets is 0.26 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 Business Description

Address 3333 Deposit Drive Northeast, Grand Rapids, MI, USA, 49546
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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