For the quarter ending 2025-09-30, NPB had $3,503K increase in cash & cash equivalents over the period. $89,636K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 59,766 | - |
| Depreciation | 615 | 1,276 |
| Provision (benefit) for credit loss and unfunded commitments-Financing Receivables Excluding Unfunded Loan Commitments | 853 | 1,932 |
| Provision (benefit) for credit loss and unfunded commitments-Unfunded Loan Commitment | -24 | -55 |
| Amortization of intangible asset | 146 | 293 |
| Amortization of debt issuance costs | 22 | 248 |
| Net gain on sale of loans | 58,892 | - |
| Proceeds from sales of loans held for sale | 648,715 | 964,924 |
| Origination of mortgage loans held for sale | 564,662 | 1,010,426 |
| Net (gain) loss on sales of other real estate | 282 | -112 |
| Net loss on disposal of premises and equipment | 0 | - |
| Net loss on sale of mortgage servicing rights | 0 | 0 |
| Net gain on sale of available for sale debt securities | 0 | 0 |
| Net gain on extinguishment of debt | 0 | 2,048 |
| Change in fair value of mortgage servicing rights ('msr') | -910 | -1,009 |
| Deferred tax expense | -482 | -386 |
| Change in fair value of equity securities | 13 | 24 |
| Change in mortgage banking derivatives | -30 | -113 |
| Other assets | -2,869 | -14,387 |
| Other liabilities | 513 | 11,113 |
| Net cash and cash equivalents provided by operating activities | 90,430 | -17,878 |
| Purchase of fhlb stock | 10,535 | 0 |
| Proceeds from sale of available for sale debt securities | 4,000 | 0 |
| Purchase of available for sale debt securities | 0 | 0 |
| Proceeds from sale of mortgage servicing rights | 0 | 0 |
| Proceeds from sales of other real estate | 606 | 2,715 |
| Purchases of premises and equipment | 794 | 1,463 |
| Net increase in loans | 467,222 | 1,103,438 |
| Purchase of mortgage servicing rights | 0 | 296 |
| Contributions from lender risk account ('lra') | 234 | 724 |
| Proceeds from lra | 482 | 1,670 |
| Net cash and cash equivalents used in investing activities | -473,697 | -1,101,536 |
| Net change in deposits | 295,566 | 1,051,516 |
| Cash dividends paid on common stock | 860 | 1,500 |
| Subordinated debt call and repayment | 0 | 15,000 |
| Subordinated debt issuance, net of costs | 0 | - |
| Advances of fhlb borrowings | 485,000 | 352,500 |
| Repayment of fhlb borrowings | 472,500 | 374,202 |
| Net change in other borrowings | 81,605 | 39,929 |
| Issuance of common stock, net | 0 | 114,150 |
| Preferred stock dividend | 1,979 | 4,503 |
| Preferred stock repurchase | 62 | 4,840 |
| Restricted stock units issuance | 0 | 714 |
| Proceeds from exercised stock options | 0 | 14 |
| Net cash and cash equivalents provided by financing activities | 386,770 | 1,158,778 |
| Net increase in cash and cash equivalents | 3,503 | 39,364 |
| Cash and cash equivalents at beginning of period | 376,295 | - |
| Cash and cash equivalents at end of period | 419,162 | - |
NORTHPOINTE BANCSHARES INC (NPB)
NORTHPOINTE BANCSHARES INC (NPB)