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NPB vs V

NPB
Northpointe Bancshares, Inc.
NEUTRAL
Price
$17.83
Market Cap
$615.0M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
NPB
7.96
V
28.35
Forward P/E
NPB
5.98
V
20.79
P/B Ratio
NPB
1.04
V
15.09
P/S Ratio
NPB
2.45
V
14.08
EV/EBITDA
NPB
--
V
20.06

Profitability

Gross Margin
NPB
0.0%
V
97.78%
Operating Margin
NPB
46.08%
V
68.3%
Profit Margin
NPB
35.12%
V
50.23%
ROE
NPB
15.01%
V
53.95%
ROA
NPB
1.33%
V
18.36%

Growth

Revenue Growth
NPB
27.9%
V
14.6%
Earnings Growth
NPB
24.2%
V
17.4%

Financial Health

Debt/Equity
NPB
--
V
0.55
Current Ratio
NPB
--
V
1.11
Quick Ratio
NPB
--
V
0.72

Dividends

Dividend Yield
NPB
0.56%
V
0.89%
Payout Ratio
NPB
4.46%
V
22.91%

AI Verdict

NPB NEUTRAL

NPB presents a classic value trap profile, characterized by a very weak Piotroski F-Score of 2/9 indicating deteriorating fundamental health despite strong top-line growth. While the stock trades at a significant discount to its Graham Number ($29.36) and Intrinsic Value ($66.08), this valuation is offset by bearish technicals, insider selling, and a poor earnings track record (1/4 beats). The disconnect between high growth rates and poor financial health scores suggests underlying operational or balance sheet instability.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY Revenue Growth (27.90%) and Earnings Growth (24.20%)
Low P/E ratio (7.96) and Forward P/E (5.98) compared to sector averages
Risks
Critical financial health warning indicated by Piotroski F-Score of 2/9
Bearish insider sentiment with $1.3M in net selling over the last 6 months
Poor earnings reliability with 3 of the last 4 quarters missing estimates
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

NPB vs V: Head-to-Head Comparison

This page compares Northpointe Bancshares, Inc. (NPB) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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