Northpointe Bancshares (NPB) Stock Price, News & Analysis

Company Overview

Northpointe Bancshares, Inc. is the bank holding company for Northpointe Bank, an FDIC-insured community bank based in Michigan. The company offers a full range of commercial and consumer banking solutions, serving retail, small business and corporate clients through both a physical branch network and digital platforms.

Northpointe Bank’s product suite includes interest-bearing checking and savings accounts, money market and certificate of deposit offerings, as well as residential mortgage lending, home equity financing and unsecured consumer loans. On the commercial side, the bank provides small business administration (SBA) lending, commercial real estate financing and treasury management services designed to meet the needs of growing enterprises.

The company’s footprint extends across Michigan and Florida, where Northpointe Bank maintains branches in key metropolitan and suburban markets. In addition to its branch network, Northpointe Bancshares has invested in online and mobile banking technologies to deliver 24/7 account access, remote deposit capture and electronic payment solutions.

Founded in 1995, Northpointe Bancshares has grown through a combination of organic expansion and targeted market entries. The firm is led by a management team with deep experience in community banking, risk oversight and customer relationship management, reflecting its core commitment to personalized service and prudent financial stewardship.

Key Stats

• Today's Range: $16.58 to $17.50
• 50-Day Range: $14.51 to $18.61
• 52-Week Range: $11.43 to $18.85
• Volume: 115,062 shs
• Average Volume: 145,634 shs
• Market Capitalization: $570.89 million
• P/E Ratio: N/A
• Dividend Yield: 0.60%
• Price Target: $18.92
• Consensus Rating: Hold

Northpointe Bancshares Stock Analysis - MarketRank™

Northpointe Bancshares scored higher than 55% of companies evaluated by MarketBeat, and ranked 707th out of 947 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: 2.8 / 5
• Analyst Rating: Hold

Consensus Rating

Northpointe Bancshares has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on 2 buy ratings, 1 hold rating, and 1 sell rating.

Upside Potential

Northpointe Bancshares has a consensus price target of $18.92, representing about 13.1% upside from its current price of $16.73.

Amount of Analyst Coverage

Northpointe Bancshares has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: N/A
• Proj. Earnings Growth: N/A

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.01% 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 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Northpointe Bancshares has recently decreased by 2.74%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: Weak

Dividend Yield

Northpointe Bancshares has a dividend yield of 0.57%, 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.01% 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 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Northpointe Bancshares has recently decreased by 2.74%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.53

News Sentiment

Northpointe Bancshares has a news sentiment score of 0.53. 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 0.83 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Northpointe Bancshares this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Northpointe Bancshares insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $1,186,582.00 in company stock.

Percentage Held by Insiders

18.40% of the stock of Northpointe Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

NPB Stock Analysis - Frequently Asked Questions

How have NPB shares performed this year?

Northpointe Bancshares' stock was trading at $14.48 at the start of the year. Since then, NPB stock has increased by 15.5% and is now trading at $16.73.

How were Northpointe Bancshares' earnings last quarter?

Northpointe Bancshares, Inc. (NYSE:NPB) issued its earnings results on Tuesday, July, 22nd. The company reported $0.51 earnings per share for the quarter, meeting analysts' consensus estimates of $0.51. The business earned $58.96 million during the quarter, compared to the consensus estimate of $56.92 million.
Read the conference call transcript.

When did Northpointe Bancshares IPO?

Northpointe Bancshares (NPB) raised $151 million in an IPO on Friday, February 14th 2025. The company issued 10,420,000 shares at $14.50 per share.

When did the company's lock-up period expire?

Northpointe Bancshares's lock-up period expired on Wednesday, August 13th. Northpointe Bancshares had issued 10,420,000 shares in its IPO on February 14th. The total size of the offering was $151,090,000 based on an initial share price of $14.50. Shares of the company owned by major shareholders and company insiders are now eligible to be traded as a result of the expiration of the lock-up period.

How do I buy shares of Northpointe Bancshares?

Shares of NPB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Record date for 8/4 Dividend: 7/15/2025
• Ex-Dividend for 8/4 Dividend: 7/15/2025
• Last Earnings: 7/22/2025
• Dividend Payable: 8/04/2025
• Today: 10/10/2025
• Record date for 11/3 Dividend: 10/15/2025
• Ex-Dividend for 11/3 Dividend: 10/15/2025
• Next Earnings (Confirmed): 10/21/2025
• Dividend Payable: 11/03/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: NYSE:NPB
• Previous Symbol: NYSE:NPB
• CIK: 1336706
• Web: N/A
• Phone: (616) 974-8491
• Fax: N/A
• Employees: 541
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Northpointe Bancshares: $18.92
• High Price Target: $19.50
• Low Price Target: $18.00
• Potential Upside/Downside: +9.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: 2.16
• Current Ratio: 1.39
• Quick Ratio: 1.32

Sales & Book Value

• Annual Sales: $390.45 million
• Price / Sales: 1.53
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 34,370,000
• Free Float: 28,042,000
• Market Cap: $596.66 million
• Optionable: N/A
• Beta: N/A