vs
NORTHPOINTE BANCSHARES INC（NPB）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
NORTHPOINTE BANCSHARES INC的季度营收约是STEM, INC.的1.3倍（$63.4M vs $47.1M），NORTHPOINTE BANCSHARES INC净利率更高（34.9% vs -33.9%，领先68.8%）
Northpointe Bancshares Inc是一家美国银行控股公司，通过旗下全资银行子公司开展业务，提供各类零售及商业银行服务，涵盖存款账户、住房抵押贷款、小微企业信贷、财富管理等，主要服务美国本土区域社区客户。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
NPB vs STEM — 直观对比
营收规模更大
NPB
是对方的1.3倍
$47.1M
净利率更高
NPB
高出68.8%
-33.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $63.4M | $47.1M |
| 净利润 | $22.2M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | — | -17.7% |
| 净利率 | 34.9% | -33.9% |
| 营收同比 | — | -15.6% |
| 净利润同比 | — | 68.8% |
| 每股收益（稀释后） | $0.62 | $-4.40 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收NPBSTEM
| Q1 26 | $63.4M | — | ||
| Q4 25 | $43.5M | $47.1M | ||
| Q3 25 | $40.3M | $38.2M | ||
| Q2 25 | $36.5M | $38.4M | ||
| Q1 25 | $30.4M | $32.5M | ||
| Q4 24 | — | $55.8M | ||
| Q3 24 | — | $29.3M | ||
| Q2 24 | — | $34.0M |
净利润NPBSTEM
| Q1 26 | $22.2M | — | ||
| Q4 25 | $23.6M | $-16.0M | ||
| Q3 25 | $22.2M | $-23.8M | ||
| Q2 25 | $20.3M | $202.5M | ||
| Q1 25 | $17.2M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | — | $-148.3M | ||
| Q2 24 | — | $-582.3M |
毛利率NPBSTEM
| Q1 26 | — | — | ||
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% |
营业利润率NPBSTEM
| Q1 26 | — | — | ||
| Q4 25 | 73.5% | -17.7% | ||
| Q3 25 | 72.3% | -33.6% | ||
| Q2 25 | 73.0% | -34.8% | ||
| Q1 25 | 74.4% | -65.0% | ||
| Q4 24 | — | -84.4% | ||
| Q3 24 | — | -493.2% | ||
| Q2 24 | — | -1705.5% |
净利率NPBSTEM
| Q1 26 | 34.9% | — | ||
| Q4 25 | 54.4% | -33.9% | ||
| Q3 25 | 55.0% | -62.2% | ||
| Q2 25 | 55.7% | 527.8% | ||
| Q1 25 | 56.8% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | — | -506.3% | ||
| Q2 24 | — | -1712.6% |
每股收益（稀释后）NPBSTEM
| Q1 26 | $0.62 | — | ||
| Q4 25 | $0.54 | $-4.40 | ||
| Q3 25 | $0.57 | $-2.84 | ||
| Q2 25 | $0.51 | $-1.79 | ||
| Q1 25 | $0.49 | $-0.15 | ||
| Q4 24 | — | $-15.29 | ||
| Q3 24 | — | $-18.24 | ||
| Q2 24 | — | $-71.81 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $487.6M | $48.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $590.0M | $-249.4M |
| 总资产 | $7.4B | $308.9M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资NPBSTEM
| Q1 26 | $487.6M | — | ||
| Q4 25 | $496.5M | $48.9M | ||
| Q3 25 | $419.2M | $43.1M | ||
| Q2 25 | $415.7M | $40.8M | ||
| Q1 25 | $321.5M | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M |
股东权益NPBSTEM
| Q1 26 | $590.0M | — | ||
| Q4 25 | $569.0M | $-249.4M | ||
| Q3 25 | $623.5M | $-235.7M | ||
| Q2 25 | $604.3M | $-214.1M | ||
| Q1 25 | $586.5M | $-417.5M | ||
| Q4 24 | — | $-398.4M | ||
| Q3 24 | — | $-344.1M | ||
| Q2 24 | — | $-203.2M |
总资产NPBSTEM
| Q1 26 | $7.4B | — | ||
| Q4 25 | $7.0B | $308.9M | ||
| Q3 25 | $6.8B | $362.6M | ||
| Q2 25 | $6.4B | $379.2M | ||
| Q1 25 | $5.9B | $405.1M | ||
| Q4 24 | — | $437.4M | ||
| Q3 24 | — | $537.8M | ||
| Q2 24 | — | $691.5M |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $8.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流NPBSTEM
| Q1 26 | — | — | ||
| Q4 25 | $-28.3M | $8.2M | ||
| Q3 25 | $90.4M | $11.4M | ||
| Q2 25 | $-72.3M | $-21.3M | ||
| Q1 25 | $54.4M | $8.5M | ||
| Q4 24 | — | $-14.7M | ||
| Q3 24 | — | $-9.4M | ||
| Q2 24 | — | $-11.9M |
自由现金流NPBSTEM
| Q1 26 | — | — | ||
| Q4 25 | $-28.8M | — | ||
| Q3 25 | $89.6M | — | ||
| Q2 25 | $-73.4M | — | ||
| Q1 25 | $54.1M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率NPBSTEM
| Q1 26 | — | — | ||
| Q4 25 | -66.1% | — | ||
| Q3 25 | 222.3% | — | ||
| Q2 25 | -201.1% | — | ||
| Q1 25 | 178.0% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
资本支出强度NPBSTEM
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | — | ||
| Q3 25 | 2.0% | — | ||
| Q2 25 | 3.1% | — | ||
| Q1 25 | 1.1% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率NPBSTEM
| Q1 26 | — | — | ||
| Q4 25 | -1.20× | — | ||
| Q3 25 | 4.08× | — | ||
| Q2 25 | -3.55× | -0.11× | ||
| Q1 25 | 3.16× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
NPB
| Net Interest Income | $41.3M | 65% |
| Noninterest Income | $22.1M | 35% |
STEM
暂无分部数据
