Estados financieros detallados de Northpointe Bancshares, Inc. (NPB): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Northpointe Bancshares, Inc. registró ingresos de $471.2M en el último ejercicio fiscal, con un CAGR de 5 años del 67.1%. El beneficio neto alcanzó $83.4M, con un CAGR a 5 años del 49.8%.
Márgenes de los últimos 12 meses: margen bruto 45.0%, margen operativo 13.8%, margen neto 20.2%. El flujo de caja libre creció a un CAGR del -7.6% en 5 años.
Al precio actual de $16.67, NPB cotiza a un P/E de 7.12 y un ROE del 14.99%. La capitalización bursátil es de $575M.
Cuenta de Resultados (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $36.2M | $2.2M | $324.2M | $362.4M | $390.5M | $471.2M |
| Coste de Ventas | 0 | $1.1M | $68.9M | $164.7M | $203.0M | $231.6M |
| Beneficio Bruto | $36.2M | $1.0M | $255.3M | $197.8M | $187.5M | $239.6M |
| I+D | $23.1M | $29.9M | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $9.4M | $22.2M | $159.9M | $104.3M | $77.8M | $93.6M |
| Gastos Operativos | $32.5M | $52.1M | $221.6M | $153.1M | $114.6M | $129.2M |
| Beneficio Operativo | $3.6M | -$51.0M | $33.7M | $44.7M | $72.9M | $110.4M |
| EBITDA | $11.9M | -$56.7M | $37.7M | $48.7M | $76.7M | $113.5M |
| Gastos por Intereses | $22439 | 0 | $66.7M | $166.2M | $203.3M | $229.5M |
| Beneficio Antes de Impuestos | $11.3M | -$57.5M | $33.7M | $44.7M | $72.9M | $110.4M |
| Impuestos | $286787 | -$77698 | $10.5M | $10.9M | $17.7M | $27.0M |
| Beneficio Neto | $11.0M | -$57.4M | $23.2M | $33.8M | $55.2M | $83.4M |
| BPA | $1.23 | $-0.76 | $0.40 | $0.70 | $1.37 | $2.14 |
| BPA Diluido | $1.06 | $-0.76 | $0.40 | $0.70 | $1.37 | $2.11 |
| Acciones en Circulación (Diluidas) | $68.4M | $76.0M | $34.3M | $34.3M | $34.3M | $33.9M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $125.9M | $127.8M | $123.8M | $65.6M |
| Beneficio Bruto | $63.5M | $65.8M | $64.0M | $5.8M |
| Beneficio Operativo | $29.2M | $32.0M | $29.4M | -$29.4M |
| EBITDA | $29.9M | $32.0M | $30.2M | -$29.4M |
| Beneficio Neto | $22.2M | $23.6M | $22.2M | $21.7M |
| BPA | $0.58 | $0.53 | $0.63 | $0.61 |
| BPA Diluido | $0.57 | $0.52 | $0.62 | $0.60 |
Balance (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $727.7M | $552.8M | $3.21B | $2.14B | $376.3M | $496.5M |
| Inversiones a Corto | $4.8M | $118.2M | $240.0M | $143.2M | $8.6M | 0 |
| Cuentas por Cobrar | $71.2M | $61.0M | 0 | $1.8M | 0 | 0 |
| Inventario | 0 | $4.3M | 0 | $29.0M | 0 | 0 |
| Activos Corrientes | $817.1M | $750.2M | $3.63B | $2.34B | $384.9M | $496.5M |
| Inmovilizado Material | $6.2M | $24.9M | $124.0M | $82.9M | $27.3M | $27.6M |
| Fondo de Comercio | $24.9M | $25.5M | $162.6M | 0 | 0 | 0 |
| Activos Intangibles | $18.4M | $18.8M | $118.9M | $118.1M | $17.2M | $18.6M |
| Activos Totales | $968.5M | $878.7M | $4.07B | $2.61B | $5.22B | $7.02B |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | 0 |
| Deuda a Corto | $1.2M | 0 | $19.0M | $30.0M | 0 | 0 |
| Pasivos Corrientes | $88.1M | $97.9M | $758.1M | $411.8M | $3.42B | $4.87B |
| Deuda a Largo | 0 | 0 | 0 | $58.9M | $1.30B | $1.54B |
| Pasivos Totales | $108.1M | $163.4M | $1.16B | $894.8M | $4.76B | $6.45B |
| Reservas | -$309.4M | -$683.2M | -$6.86B | -$8.33B | $296.0M | $364.4M |
| Patrimonio Neto | $860.4M | $715.3M | $2.91B | $1.72B | $462.5M | $569.0M |
| Deuda Total | $2.1M | $17.6M | $75.0M | $133.9M | $1.30B | $1.54B |
| Deuda Neta | -$730.4M | -$653.3M | -$3.38B | -$2.15B | $917.8M | $1.04B |
| Capital Circulante | $729.0M | $652.3M | $2.87B | $1.92B | -$3.04B | -$4.37B |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $419.2M | $496.5M | $487.6M | $538.4M |
| Activos Totales | $6.84B | $7.02B | $7.40B | $7.53B |
| Pasivos Totales | $6.22B | $6.45B | $6.81B | $6.92B |
| Patrimonio Neto | $623.5M | $569.0M | $590.0M | $611.6M |
| Deuda Total | $1.40B | $1.54B | $1.75B | $1.63B |
Flujo de Caja (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $68.2M | -$361.5M | $23.2M | $33.8M | $55.2M | $83.4M |
| Amortizaciones | $3.3M | $4.9M | 0 | 0 | 0 | 0 |
| Compensación en Acciones | 0 | 0 | 0 | 0 | 0 | 0 |
| Cambio en Capital Circulante | -$34.9M | $61.2M | -$9.0M | $2.3M | -$21.8M | $26.1M |
| Flujo de Caja Operativo | $62.8M | -$150.9M | -$79.5M | -$24.1M | $19.8M | $44.3M |
| Inversiones (CapEx) | -$1.2M | -$4.6M | -$3.4M | -$2.8M | -$1.1M | -$2.8M |
| Adquisiciones | -$37.3M | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | -$5.1M | 0 | -$1.5M | -$616000 | -$12.3M | -$82.2M |
| Dividendos Pagados | 0 | 0 | -$17.4M | -$12.2M | -$11.6M | -$11.4M |
| Flujo de Caja Libre | $61.7M | -$155.5M | -$82.9M | -$26.9M | $18.8M | $41.5M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $90.4M | -$28.3M | $37.7M | 0 |
| Inversiones (CapEx) | -$794000 | -$508000 | 0 | 0 |
| Flujo de Caja Libre | $89.6M | -$28.8M | $37.7M | 0 |
| Dividendos Pagados | -$2.8M | -$2.6M | -$861000 | 0 |
| Compensación en Acciones | 0 | 0 | 0 | 0 |
Crecimiento y Márgenes (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | -94.0% | +14852.3% | +11.8% | +7.7% | +20.7% |
| Crecimiento Beneficio Neto (anual) | | -620.2% | +140.5% | +45.3% | +63.4% | +51.2% |
| Crecimiento BPA (anual) | | -161.8% | +152.6% | +75.0% | +95.7% | +56.2% |
| Cambio en Acciones (anual) | | +11.1% | -54.8% | +0.0% | +0.0% | -1.3% |
| Crecimiento FCF (anual) | | -352.3% | +46.7% | +67.5% | +169.7% | +121.4% |
| Margen Bruto | 100.0% | 47.3% | 78.7% | 54.6% | 48.0% | 50.9% |
| Margen Operativo | 10.1% | -2353.1% | 10.4% | 12.3% | 18.7% | 23.4% |
| Margen EBITDA | 32.9% | -2613.5% | 11.6% | 13.4% | 19.6% | 24.1% |
| Margen Neto | 30.5% | -2648.7% | 7.2% | 9.3% | 14.1% | 17.7% |
| Margen FCF | 170.4% | -7171.9% | -25.6% | -7.4% | 4.8% | 8.8% |
| Tasa Impositiva Efectiva | 2.5% | 0.1% | 31.0% | 24.4% | 24.3% | 24.4% |
Datos por Acción (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $0.90 | $-2.05 | $-2.42 | $-0.78 | $0.55 | $1.23 |
| Dividendo por Acción | $0.00 | $0.00 | $0.51 | $0.36 | $0.34 | $0.34 |
| Acciones en Circulación (Básicas) | $58.3M | $76.0M | $34.3M | $34.3M | $34.3M | $33.4M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 14.99% |
| Rentabilidad sobre capital invertido | 0.61% |
| Rentabilidad sobre activos | 1.19% |
| Margen bruto | 44.95% |
| Margen operativo | 13.80% |
| Margen neto | 20.25% |
Salud financiera
| Deuda / Patrimonio | 2.66 |
| Ratio corriente | 0.00 |
Ratios Clave (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 11.79 | -19.08 | 36.25 | 20.71 | 10.58 | 7.84 |
| P/VC | 0.98 | 1.54 | 0.17 | 0.29 | 1.08 | 0.99 |
| P/V | 23.38 | 507.91 | 1.53 | 1.37 | 1.27 | 1.19 |
| Margen Bruto | 100.0% | 47.3% | 78.7% | 54.6% | 48.0% | 50.9% |
| Margen Operativo | 10.1% | -2353.1% | 10.4% | 12.3% | 18.7% | 23.4% |
| Margen Neto | 30.5% | -2648.7% | 7.2% | 9.3% | 14.1% | 17.7% |