NPB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

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Price $15.35
Market Cap (MRQ) $531M
P/E 7.3
EPS $2.11
Div Yield 0.61%
ROE 14.2%
52W Range $14–$20

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10-Year Performance Revenue, net income, margins and EPS trends

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EPS$2.11
2023-12-31 → 2025-12-31
Free Cash Flow$42M
2024-12-31 → 2025-12-31
Net margin34.5%
2024-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend NPB 5Y avg Peer Median Verdict
P/E 7.3 · 11.2 Undervalued
P/S 2.2 · 3.5 Undervalued
P/B (MRQ) 0.9 · 1.4 Undervalued
Price / FCF (TTM) 5.2 · · ·
Price / Cash Flow (TTM) 5.1 · 10.8 Overvalued
Price / Tangible Book (MRQ) 0.9 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

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Dividend Yield0.61%
Payout Ratio3.9%
Annualized Payout≈$0.10Paid quarterly
Ex-dateAmountCurrencyYield
Jul 15, 2026$0.03USD≈0.54%
Apr 15, 2026$0.03USD≈0.53%
Jan 15, 2026$0.03USD≈0.54%
Oct 15, 2025$0.03USD≈0.43%
Jul 15, 2025$0.03USD≈0.34%
Apr 15, 2025$0.03USD≈0.20%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

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Avg Surprise -5.0%
Next Report Oct 19, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Jul 20, 2026 $0.60 $0.68 -12.3%
March 31, 2026 $0.62 $0.63 -1.8%
Dec. 31, 2025 $0.52 $0.62 -15.5%
Sept. 30, 2025 $0.57 $0.60 -4.3%
June 30, 2025 $0.51 $0.53 -2.9%
March 31, 2025 $0.49 $0.46 6.6%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

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Income Statement 8
Metric Trend 202520242023
Interest Income $380M$318M$267M
Pretax Income $110M$73M$45M
Income Tax $27M$18M$11M
Net Income $83M$55M$34M
EPS (Basic) $2.14$1.83$0.94
EPS (Diluted) $2.11$1.83$0.93
Shares (Basic) 33,432,89525,759,93825,729,227
Shares (Diluted) 33,863,18925,822,49625,795,481
Balance Sheet 14
Metric Trend 202520242023
Cash & Equivalents $496M$376M$352M
PP&E (Net) $28M$27M$29M
PP&E (Gross) $40M$42M$41M
Accum. Depreciation $13M$14M$12M
Intangibles $2M$2M$5M
Total Assets $7.02B$5.22B$4.76B
Deferred Tax $4M$3M$24M
Total Liabilities $6.45B$4.76B$4.33B
Paid-in Capital $205M$167M$180M
Retained Earnings $364M$296M$251M
AOCI $-199.0K$-324.0K$-801.0K
Stockholders' Equity $569M$462M$431M
Liabilities + Equity $7.02B$5.22B$4.76B
Shares Outstanding 34,494,11625,684,56025,689,560
Cash Flow 13
Metric Trend 202520242023
Deferred Tax $272.0K$-21M$-2M
Amort. of Intangibles $586.0K$973.0K$1M
Operating Cash Flow $44M$20M$504M
CapEx $3M$1M$3M
Investing Cash Flow $-1.63B$-458M$-751M
Stock Issued $114M$0·
Stock Repurchased $0$770.0K$616.0K
Net Stock Activity $114M$-770.0K·
Dividends Paid $3M$3M$3M
Financing Cash Flow $1.71B$463M$324M
Net Change in Cash $120M$24M$78M
Taxes Paid $29M$43M·
Free Cash Flow $42M$19M·
Profitability 4
Metric Trend 202520242023
Net Margin 34.5%29.5%·
Pretax Margin 45.7%38.9%·
ROA 1.4%1.0%·
ROE 14.2%12.0%·
Efficiency 1
Metric Trend 202520242023
Asset Turnover 0.00.0·
Per Share 6
Metric Trend 202520242023
Book Value / Share $16.50$18.01·
Revenue / Share $7.14$7.25·
Cash Flow / Share $1.31$0.77·
Cash / Share $14.39$14.65·
Dividend / Share $0.10$0.10$0.10
EPS (TTM) $2.11$1.83·
Growth Rates 3
Metric Trend 202520242023
Revenue YoY 29.2%-4.7%·
EPS YoY 15.3%96.8%·
Net Income YoY 51.2%63.4%·
Valuation (TTM) 13
Metric Trend 202520242023
Revenue TTM $242M$187M·
Net Income TTM $83M$55M·
Market Cap $579M··
P/E 8.0··
P/S 2.4··
P/B 1.0··
P / Tangible Book 1.0··
P / Cash Flow 13.1··
P / FCF 13.9··
Dividend Yield 0.56%··
Earnings Yield 12.6%··
Payout Ratio 3.9%4.7%·
Annual Payout $3M$3M·

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312025-06-302025-03-312024-12-312024-09-30
Net Income $83M · · $55M ·
Diluted EPS $2.11 · · $1.83 ·

Institutional owners (13F) 124 filers · $436.9M total · As of June 30, 2026

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Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 124
Value held $436.9M
New positions 20
Exited positions 11
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
20 (-12 vs prior Q) 11 (-1 vs prior Q) 45 (0 vs prior Q) 43 (+20 vs prior Q) -127K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
WELLINGTON MANAGEMENT GROUP LLP $70,039,107 3,651,674 16.03% Shares
ADAGE CAPITAL PARTNERS GP, L.L.C. $54,485,719 2,840,757 12.47% Shares
BlackRock, Inc. $30,641,375 1,597,569 7.01% Shares
Boston Partners $23,900,748 1,246,256 5.47% Shares
VANGUARD GROUP INC $18,836,842 1,122,577 4.31% Shares
MORGAN STANLEY $17,605,683 917,918 4.03% Shares
VANGUARD CAPITAL MANAGEMENT LLC $17,329,303 903,509 3.97% Shares
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC $14,503,724 756,190 3.32% Shares
AMERICAN CENTURY COMPANIES INC $13,121,671 684,133 3.00% Shares
MALTESE CAPITAL MANAGEMENT LLC $9,543,968 497,600 2.18% Shares
ALGEBRIS (UK) LTD $9,022,672 471,907 2.07% Shares
TWO SIGMA INVESTMENTS, LP $8,906,444 464,361 2.04% Shares
GEODE CAPITAL MANAGEMENT, LLC $7,707,017 401,771 1.76% Shares
GOLDMAN SACHS GROUP INC $7,210,682 375,948 1.65% Shares
Russell Investments Group, Ltd. $7,108,600 370,626 1.63% Shares
STATE STREET CORP $6,982,843 364,069 1.60% Shares
JACOBS ASSET MANAGEMENT, LLC $6,713,000 350,000 1.54% Shares
STATE OF WISCONSIN INVESTMENT BOARD $5,186,886 270,432 1.19% Shares
JPMORGAN CHASE & CO $4,875,281 254,451 1.12% Shares
BANK OF AMERICA CORP /DE/ $4,235,059 220,806 0.97% Shares
Brevan Howard Capital Management LP $3,884,890 202,549 0.89% Shares
MENDON CAPITAL ADVISORS CORP $3,836,000 200,000 0.88% Shares
Curi Capital, LLC $3,836,000 200,000 0.88% Shares
ALGERT GLOBAL LLC $3,529,830 184,037 0.81% Shares
EJF Capital LP $3,397,181 177,121 0.78% Shares
Sanctuary Advisors, LLC $3,392,539 176,879 0.78% Shares
Nuveen, LLC $3,363,999 175,391 0.77% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $3,349,384 174,629 0.77% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $2,904,638 151,441 0.66% Shares
CITADEL ADVISORS LLC $2,824,044 147,239 0.65% Shares
MILLENNIUM MANAGEMENT LLC $2,789,309 145,428 0.64% Shares
NORTHERN TRUST CORP $2,654,973 138,424 0.61% Shares
RAYMOND JAMES FINANCIAL INC $2,634,066 137,334 0.60% Shares
BNP PARIBAS FINANCIAL MARKETS $2,431,947 126,796 0.56% Shares
MISSION WEALTH MANAGEMENT, LP $2,421,380 126,245 0.55% Shares
SEGALL BRYANT & HAMILL, LLC $2,207,963 115,118 0.51% Shares
JANE STREET GROUP, LLC $2,193,463 114,362 0.50% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $2,124,991 110,792 0.49% Shares
North Reef Capital Management LP $1,918,000 100,000 0.44% Shares
Voleon Capital Management LP $1,836,543 95,753 0.42% Shares
Bank of New York Mellon Corp $1,756,332 91,571 0.40% Shares
JACOBS LEVY EQUITY MANAGEMENT, INC $1,738,226 90,627 0.40% Shares
AQR CAPITAL MANAGEMENT LLC $1,728,663 90,128 0.40% Shares
AMERIPRISE FINANCIAL INC $1,690,621 88,145 0.39% Shares
VANGUARD FIDUCIARY TRUST CO $1,608,933 83,886 0.37% Shares
Qube Research & Technologies Ltd $1,606,018 83,734 0.37% Shares
LAZARD ASSET MANAGEMENT LLC $1,580,279 82,392 0.36% Shares
PMC FIG Opportunities LLC $1,470,128 76,649 0.34% Shares
DIMENSIONAL FUND ADVISORS LP $1,446,632 75,424 0.33% Shares
CWA Asset Management Group, LLC $1,435,689 74,853 0.33% Shares

Show all 124 institutional owners →

Company insiders 15 insiders · 5 officers · 8 directors

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Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Charles Alan Williams CHAIRMAN & CEO June 26, 2025 A 66,801 0 0 $0
Brad T Howes EVP, CHIEF FINANCIAL OFFICER April 1, 2026 A 10,221 0 0 $0
Kevin J Comps PRESIDENT & SECRETARY April 1, 2026 A 51,268 0 0 $0
Amy M Butler EVP, NATIONAL SALES April 1, 2026 A 4,827 0 3 $-289,970
David J Christel PRES, MORTGAGE PURCH PROGRAM April 1, 2026 A 207,756 0 0 $0
Rodney E. Hood Director May 13, 2026 A · 0 0 $0
David F. Lawrence Director May 13, 2026 A 1,000 2 0 $17,380
John Robert Tuttle Director May 13, 2026 A · 0 0 $0
Rajeev Kumar Chaudhary Director May 13, 2026 A · 0 0 $0
Carrie L Boer Director May 13, 2026 A · 0 0 $0
Robert W De Vlieger II Director May 13, 2026 A 760,828 0 0 $0
Bruce L Edger Director Nov. 17, 2025 G 220,830 0 0 $0
Second Rewrittwen Trust Indenture of the John S Simoni Living Trust 10% owner Feb. 18, 2025 S 2,575,664 0 0 $0
David Stevens Hooker · Aug. 14, 2026 S 10,000 0 20 $-541,916
Richard Jeffery Dean · March 9, 2026 S 557,171 0 1 $-1,011,213

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 20 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
SMLL · Harbor ETF Trust 0.92% 7,380 NS July 31, 2026 N-PORT
VFMF · VANGUARD WELLINGTON FUND 0.10% 35,067 SH Aug. 19, 2026 Daily
IWC · iShares Trust 0.08% 71,087 SH Sept. 11, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.03% 18,107 SH Aug. 19, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 2,255 SH Oct. 2, 2026 Daily
IWM · iShares Trust 0.01% 544,997 SH Sept. 11, 2026 Daily
RSSL · Global X Funds 0.01% 9,938 NS July 31, 2026 N-PORT
PRFZ · Invesco Exchange-Traded Fund Trust 0.01% 19,118 SH Oct. 2, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 119,849 SH Aug. 19, 2026 Daily
DFSV · Dimensional ETF Trust 0.00% 21,757 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 925 NS July 31, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.00% 2,622 NS July 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.00% 7,461 NS July 31, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.00% 1,385 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 115,119 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 764,580 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 1,606 SH Aug. 19, 2026 Daily
DFUS · Dimensional ETF Trust 0.00% 592 NS July 31, 2026 N-PORT
IWN · iShares Trust · 205,963 SH Sept. 11, 2026 Daily
SVAL · iShares Trust · 34,141 SH Sept. 3, 2026 Daily

NPB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

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rating · 7 analysts BUY
Median target $21.00 +36.8%
1 14.3% Strong Buy
4 57.1% Buy
2 28.6% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

3 analysts · 2026-10-02

Mean target $20.38 +32.8%

← Below all targets Current price $15.35
Low$18.65 Mean$20.38 High$21.50

Peer comparison (GICS sub-industry) Key metrics vs sector peers

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FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
NPB $579M 8.0 29.2% 34.5% 14.2% ·
CIVB · 8.4 -0.52% 242.9% 9.8% ·
UNTY $516M 9.1 23.1% 44.0% 18.1% ·
NRIM $588M 9.3 30.4% 25.3% 20.9% 81.7%
HBCP $453M 9.8 10.2% 31.0% 10.9% ·
BSVN $388M 9.1 -1.1% 44.7% 18.6% ·
BWFG $362M 10.3 44.0% 1245.5% 12.0% ·
BSRR $434M 10.5 2.5% 27.3% 11.8% ·
TFC $62.13B 12.9 53.0% 26.1% 8.2% ·

My Metrics Your personal watchlist — selected rows from Full Fundamentals

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Source: SEC 10-Q filed Aug 13, 2026