Northpointe Bancshares (NPB) Stock Price, News & Analysis

Company Overview

Northpointe Bancshares, Inc. is a bank holding company headquartered in Grand Rapids, Michigan. Through its principal subsidiary, Northpointe Bank, the company provides consumer, residential mortgage and commercial banking services to individuals, families, entrepreneurs and businesses.

Northpointe Bank offers deposit products such as checking and savings accounts, money market accounts and certificates of deposit. Its lending activities include residential mortgages, home equity financing, personal loans, commercial real estate loans and other business financing. The bank also provides digital banking tools and related financial services.

Founded in 1999, Northpointe Bank serves customers through a combination of online banking, mortgage operations and banking offices. Its mortgage and digital banking platforms enable it to serve customers across a broad geographic area, while its commercial banking activities are concentrated in the markets supported by its banking teams.

Key Stats

• Today's Range: $15.19 to $15.55
• 50-Day Range: $15.52 to $19.14
• 52-Week Range: $15.19 to $19.71
• Volume: 121,735 shs
• Average Volume: 234,728 shs
• Market Capitalization: $532.32 million
• P/E Ratio: 6.66
• Dividend Yield: 0.65%
• Price Target: $21.08
• Consensus Rating: Hold

Northpointe Bancshares Stock Analysis - MarketRank™

Northpointe Bancshares scored higher than 98% of companies evaluated by MarketBeat, and ranked 40th out of 836 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.8 / 5
• Analyst Rating: Hold

Consensus Rating

Northpointe Bancshares has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, and 2 sell ratings.

Upside Potential

Northpointe Bancshares has a consensus price target of $21.08, representing about 36.9% upside from its current price of $15.41.

Amount of Analyst Coverage

Northpointe Bancshares has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 9.27%

Earnings Growth

Earnings for Northpointe Bancshares are expected to grow by 9.27% in the coming year, from $2.48 to $2.71 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Northpointe Bancshares is 6.67, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of Northpointe Bancshares is 6.67, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.90.

Price to Book Value per Share Ratio

Northpointe Bancshares has a P/B Ratio of 0.93. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.39% of the float of Northpointe Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Northpointe Bancshares has a short interest ratio ("days to cover") of 3.47, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Northpointe Bancshares has recently increased by 11.79%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Northpointe Bancshares has a dividend yield of 0.62%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Northpointe Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Northpointe Bancshares is 4.33%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Northpointe Bancshares will have a dividend payout ratio of 3.69% next year. This indicates that Northpointe Bancshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 0.09

News Sentiment

Northpointe Bancshares has a news sentiment score of 0.09. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.61 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Northpointe Bancshares this week, compared to 1 article on an average week.

Search Interest

1 people have searched for NPB on MarketBeat in the last 30 days.

MarketBeat Follows

2 people have added Northpointe Bancshares to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 3.5 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $1,169,128.00 in company stock, which represents 0.2195% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Northpointe Bancshares insiders have bought 738.74% more of their company's stock than they have sold. Specifically, they have bought $1,327,388.00 in company stock and sold $158,260.00 in company stock.

Percentage Held by Insiders

18.30% of the stock of Northpointe Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Northpointe Bancshares has minimal institutional ownership at this time.

Company Calendar

• Record date for 8/4 Dividend: 7/15/2026
• Ex-Dividend for 8/4 Dividend: 7/15/2026
• Last Earnings: 7/21/2026
• Dividend Payable: 8/04/2026
• Today: 9/24/2026
• Next Earnings (Confirmed): 10/20/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:NPB
• Previous Symbol: NYSE:NPB
• CIK: 1336706
• Web: www.northpointe.com
• Phone: (616) 974-8491
• Fax: N/A
• Employees: 491
• Year Founded: 1999

Price Target and Rating

• Average Price Target for Northpointe Bancshares: $21.08
• High Price Target: $22.00
• Low Price Target: $20.25
• Potential Upside/Downside: +37.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.31
• Trailing P/E Ratio: 6.66
• Forward P/E Ratio: 6.21
• P/E Growth: N/A
• Net Income: $83.41 million
• Net Margins: 17.72%
• Pretax Margin: 23.60%
• Return on Equity: 14.99%
• Return on Assets: 1.25%

Debt

• Debt-to-Equity Ratio: 2.66
• Current Ratio: 1.40
• Quick Ratio: 1.34

Sales & Book Value

• Annual Sales: $257.23 million
• Price / Sales: 2.07
• Cash Flow: $2.44 per share
• Price / Cash Flow: 6.30
• Book Value: $16.56 per share
• Price / Book: 0.93

Miscellaneous

• Outstanding Shares: 34,582,000
• Free Float: 28,253,000
• Market Cap: $532.32 million
• Optionable: N/A
• Beta: 0.05