Northpointe BancsharesNPB -1.14%8 5-Year Yield-on-Cost % is 0.55 as of Jul. 08, 2026, which is 34% above its 10-year median of 0.41. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 4 warning signs investors should review. Among 1,254 Banks companies, Northpointe Bancshares ranks worse than 96.01% on this metric.
Northpointe Bancshares's yield on cost for the quarter that ended in Mar. 2026 was 0.55.
The historical rank and industry rank for Northpointe Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
NPB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.13 Med: 0.41 Max: 0.59
Current: 0.55
During the past 4 years, Northpointe Bancshares's highest Yield on Cost was 0.59. The lowest was 0.13. And the median was 0.41.
NPB's 5-Year Yield-on-Cost % is ranked worse than 96.01% of 1254
companies
in the Banks industry
Industry Median: 3.905
vs NPB: 0.55
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Northpointe Bancshares 5-Year Yield-on-Cost % Related Terms
NPB vs BHB, AMBZ, MSBI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Northpointe Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Northpointe Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Northpointe Bancshares's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Northpointe Bancshares (NPB) has a 5-Year Yield-on-Cost % of 0.55 as of Jul. 08, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Northpointe Bancshares and its competitors. This is 34% above median its historical median of 0.41. Over the past decade, Northpointe Bancshares' 5-Year Yield-on-Cost % has ranged from 0.13 to 0.59. According to the industry distribution chart, Northpointe Bancshares ranks #1204 out of 1254 companies in the Banks industry, placing it in the top 96%.
Is Northpointe Bancshares' 5-Year Yield-on-Cost % too high?
Northpointe Bancshares' current 5-Year Yield-on-Cost % of 0.55 is 34% above median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.59. The Banks industry median 5-Year Yield-on-Cost % is 3.91. Northpointe Bancshares' value of 0.55 is 85.9% below this industry median. Based on the distribution chart, Northpointe Bancshares ranks #1204 out of 1254 companies in the Banks industry, which is in the bottom quartile 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' 5-Year Yield-on-Cost % compare to BHB and AMBZ?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #1204 out of 1254 companies for 5-Year Yield-on-Cost %. This places Northpointe Bancshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. Northpointe Bancshares' value of 0.55 is 85.9% below this benchmark. Historically, Northpointe Bancshares' own 5-Year Yield-on-Cost % has ranged from 0.13 to 0.59 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 3.91, Northpointe Bancshares has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northpointe Bancshares's current 5-Year Yield-on-Cost % of 0.55 is 85.9% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Northpointe Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northpointe Bancshares's current 5-Year Yield-on-Cost % is 0.55, which is 34% above median its own 10-year median of 0.41. 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 5-Year Yield-on-Cost % of 0.55. The current 5-Year Yield-on-Cost % is 0.55, which is 34% above median its 10-year median of 0.41 and 85.9% below the Banks industry median of 3.91. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current 5-Year Yield-on-Cost % is 0.55 as of Jul. 08, 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
5-Year Yield-on-Cost % 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 