Northpointe Bancshares Q4 Earnings Call Highlights

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MarketBeat

Wed, January 21, 2026 astatine 11:14 AM CST 9 min read

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Balance-sheet and profitability pickup: Total assets roseate to over $7 billion (from $5.2B), full-year 2025 EPS was $2.11 (up 15%), instrumentality connected mean assets improved to 1.33%, and tangible publication worth per stock accrued materially year-over-year.
MPP and owe concern expansion: Mortgage Purchase Program balances grew sharply with participations jumping to $457.0 cardinal astatine year-end, mean MPP yields adjacent 7% (7.22% including fees), and absorption targets year-end 2026 MPP balances of $4.1–$4.3 billion (with $300–$500M connected mean participated out).
2026 outlook and expense/loan guidance: Management guided a NIM of 2.45%–2.55%, saleable owe originations of $2.2–$2.4 cardinal (all-in margins 2.75%–3.25%), provisions of $3M–$4M, and non-interest disbursal of $138M–$142M portion expecting worldly 2026 backing and tax/cost benefits from replacing preferred banal with subordinated debt.
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Northpointe Bancshares (NYSE:NPB) executives utilized the company’s fourth-quarter 2025 net telephone to item a twelvemonth of equilibrium expanse expansion, higher profitability, and continued momentum successful its Mortgage Purchase Program (MPP) and retail owe channels, portion besides providing archetypal full-year 2026 guidance crossed cardinal gross and disbursal drivers.

Chairman and CEO Chuck Williams said the company’s full assets person grown to “over $7 billion” since the slope went nationalist aboriginal successful 2025, up from $5.2 cardinal astatine the extremity of 2024, with overmuch of the maturation driven by the MPP business. Williams reported full-year 2025 net per diluted stock of $2.11, up 15% from $1.83 successful 2024. Return connected mean assets improved to 1.33% from 1.08%, portion instrumentality connected mean tangible communal equity roseate to 14.43% from 13.94%.

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Williams besides said tangible publication worth per stock accrued twelvemonth implicit year, and erstwhile adding backmost dividends, tangible publication worth per stock roseate 13.9% connected an yearly basis.

President Kevin Kamps described MPP arsenic the bank’s mentation of owe warehouse lending and emphasized the relation of participations successful managing equilibrium expanse capableness portion generating interest income. In the 4th quarter, mean MPP balances roseate by $410.2 cardinal from the anterior quarter, portion period-end balances accrued by $60.1 million, which absorption said was successful enactment with guidance and reflects balances nett of participations.