Northpointe Bancshares Q4 net interest income rises

Northpointe Bancshares

20/01/2026 22:10

Overview

Financial services firm's Q4 net income to common stockholders fell by $1.7 mln from the prior quarter

Net interest income for Q4 rose by $3.2 mln from the prior quarter

Company's Mortgage Purchase Program and AIO loan balances showed significant growth

Outlook

Company did not provide specific financial guidance for the upcoming quarter or year

Result Drivers

MORTGAGE PURCHASE PROGRAM - Significant growth in MPP balances contributed to increased net interest income, with balances rising by $60.1 mln from the prior quarter

ALL-IN-ONE LOANS - AIO loan balances increased by $31.0 mln, or 18% annualized, supporting overall loan growth

CREDIT LOSS PROVISION - Lower provision for credit losses due to improved economic forecasts, despite higher net loan charge-offs

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.52
Q4 Net Income
$23.64 mln
Q4 Net Interest Income
$43.50 mln
Q4 Provision for Credit Losses
-$632,000


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 2 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Northpointe Bancshares Inc is $20.00, about 10.7% above its January 20 closing price of $18.06

The stock recently traded at 7 times the next 12-month earnings vs. a P/E of 7 three months ago

Press Release: ID:nBwPHyGYa

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)