Northpointe Bancshares, Inc. — Earnings Quality Grade F
NPB · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 29.2%, CFFO 123.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 191.0% is >2x revenue growth 29.2%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.53. Below 1.0
FCF < 50% of Net Income for 2 years
Accruals ratio = 0.6%. Low accruals
Cash $0.5B covers only 32% of debt $1.5B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 3% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 8% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor NPB continuously
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Altman Z-Score — Not Applicable
Northpointe Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25