GS
The Goldman Sachs Group, Inc.
GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
NPB
Northpointe Bancshares, Inc.
There isn't enough reported data to score NPB yet.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
NPB Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
NPB's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like NPB.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
NPB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.8x | $14.60 | -5.5% |
| Forward | 6.8x | $15.44 | — |
| Current | 7.2x | $15.44 | — |
| Fair | 7.7x | $16.45 | +6.5% |
| Expensive | 8.4x | $18.07 | +17% |
Historical ranges are pointers, not guarantees.
NPB has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
NPB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Decline | |
| Decline | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect NPB's earnings and revenue to decline, though with profitability improving. However, they disagree widely on these estimates.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS's earnings per share have climbed steadily: $69.58 over the past year, up 41% from the year before, and higher year over year for 10 quarters in a row. Its recent earnings include one-off gains.
NPB Earnings Per Share
NPB and GS do not have enough comparable growth data to identify a winner.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over NPB in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over NPB on profitability, with a higher operating margin.
NPB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $55.9M | -13% |
| Q2 2026 | $64.3M | +9.1% |
| Q1 2026 | $63.4M | +19% |
GS has the edge over NPB in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 34% | -11 points |
| Q2 2026 | 45% | -0.3 points |
| Q1 2026 | 46% | +4 points |
| Q4 2025 | 49% | N/A |
| Q3 2025 | 45% | N/A |
| Q2 2025 | 45% | N/A |
| Q1 2025 | 42% | N/A |
NPB's operating margin was 34% last quarter, down 11 points from the same quarter a year ago, near the bottom of its range since 2025.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS has the edge over NPB in the latest year-over-year cash flow comparison.
NPB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $142.5M | +59% |
| Q2 2026 | $3.7M | +$77.1M |
| Q1 2026 | $37.3M | -31% |
GS has the edge over NPB in the latest year-over-year cash flow comparison.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over NPB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
NPB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +8.6K shares |
| 1 year | +0.2% | +88.3K shares |
NPB has 35M diluted shares, about the same as a year ago.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over NPB on leverage, with a lower net debt burden relative to earnings.
NPB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.4x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 7.8x | High |
| Q4 2025 | 8.2x | High |
NPB's net debt is about 8.3 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like NPB.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
NPB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.3 | Neutral |
| Stochastic | 46.0 | Neutral |
NPB's weekly RSI is 38 (neutral) and its Stochastic is 46 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
NPB PE vs Financial Services Sector
| Metric | NPB | Sector median | Relative |
|---|---|---|---|
| PE | 7.2x | 13x | 45% below |
| PE % | 24 | 24 | Same percentile |
NPB has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS has stronger trend alignment. GS is above 3 of 5 weekly averages versus NPB above 0 of 3.
NPB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.6 | 0.8% below |
| 20 week MA | $16.8 | 7.9% below |
| 50 week MA | $17.3 | 11% below |
NPB is in a downtrend: it's below all three of its weekly moving averages, and 11% below its 50-week average.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has the edge over NPB on returns for 2026, with the stronger performance.
NPB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $14.5 | $17.2 | +19% |
| 2026 YTD | $17.2 | $15.4 | -10% |
NPB has finished every year since 2025 higher, and it's down 10% so far in 2026.