For the quarter ended September 2026, Northpointe Bancshares, Inc. (NPB Quick QuoteNPB - Free Report) reported revenue of $55.92 million, down 13.1% over the same period last year. EPS came in at $0.39, compared to $0.57 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $64.07 million, representing a surprise of -12.72%. The company delivered an EPS surprise of -35%, with the consensus EPS estimate being $0.60.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Northpointe Bancshares, Inc. performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net Interest Margin: 2.3% compared to the 2.3% average estimate based on two analysts.
• Efficiency Ratio: 64.5% compared to the 55.7% average estimate based on two analysts.
• Non-Interest Income: $12.26 million versus the two-analyst average estimate of $21.03 million. The reported number represents a year-over-year change of -49%.
• Net Interest Income: $43.66 million compared to the $43.04 million average estimate based on two analysts. The reported number represents a change of +8.2% year over year.

View all Key Company Metrics for Northpointe Bancshares, Inc. here>>>

Shares of Northpointe Bancshares, Inc. have returned -5.2% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.