Northpointe Bancshares (NPB) Stock Price, News & Analysis

Company Overview

Northpointe Bancshares, Inc. is a bank holding company headquartered in Grand Rapids, Michigan. It operates through Northpointe Bank, a financial institution focused on providing banking and lending services to consumers and businesses.

Northpointe Bank offers residential mortgage products, including loans for home purchases and refinancing, as well as home equity lending. Its deposit products include checking, savings, money market and certificate of deposit accounts. The bank also provides personal and commercial banking services designed to meet the borrowing, cash-management and deposit needs of individuals and businesses.

Through a combination of digital banking capabilities, mortgage lending channels and its physical banking presence, Northpointe serves customers in Michigan and markets across the United States. The company’s business model emphasizes residential lending and relationship-based banking services.

Key Stats

• Today's Range: $15.69 to $16.07
• 50-Day Range: $14.57 to $17.47
• 52-Week Range: $14.20 to $19.71
• Volume: 256,642 shs
• Average Volume: 287,640 shs
• Market Capitalization: $548.78 million
• P/E Ratio: 6.87
• Dividend Yield: 0.63%
• Price Target: $20.42
• Consensus Rating: Hold

Northpointe Bancshares Stock Analysis - MarketRank™

Northpointe Bancshares scored higher than 96% of companies evaluated by MarketBeat, and ranked 79th out of 851 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: 3.9 / 5
• Analyst Rating: Hold

Consensus Rating

Northpointe Bancshares has received a consensus rating of Hold. The company's average rating score is 2.20, and is based on no strong buy ratings, 2 buy ratings, 2 hold ratings, and 1 sell rating.

Upside Potential

Northpointe Bancshares has a consensus price target of $20.42, representing about 28.6% upside from its current price of $15.87.

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: 9.84%

Earnings Growth

Earnings for Northpointe Bancshares are expected to grow by 9.84% in the coming year, from $2.44 to $2.68 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Northpointe Bancshares is 6.87, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.79.

Price to Earnings Ratio vs. Sector

The P/E ratio of Northpointe Bancshares is 6.87, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.73.

Price to Book Value per Share Ratio

Northpointe Bancshares has a P/B Ratio of 0.96. 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

2.33% 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 1.96, 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 10.75%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Northpointe Bancshares has a dividend yield of 0.63%, 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 3.73% next year. This indicates that Northpointe Bancshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.46

News Sentiment

Northpointe Bancshares has a news sentiment score of 0.46. 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 0.63 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 14 news articles for Northpointe Bancshares this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for NPB on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

Only 1 people have added Northpointe Bancshares to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 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 $1,313,878.00 in company stock, which represents 0.2394% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Northpointe Bancshares insiders have bought 9,725.23% more of their company's stock than they have sold. Specifically, they have bought $1,327,388.00 in company stock and sold $13,510.00 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: 10/11/2026
• Record date for 11/4 Dividend: 10/15/2026
• Ex-Dividend for 11/4 Dividend: 10/15/2026
• Next Earnings (Confirmed): 10/20/2026
• Dividend Payable: 11/04/2026
• 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: $20.42
• High Price Target: $21.00
• Low Price Target: $20.00
• Potential Upside/Downside: +28.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.20
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.31
• Trailing P/E Ratio: 6.87
• Forward P/E Ratio: 6.50
• 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: $471.18 million
• Price / Sales: 1.16
• Cash Flow: $2.53 per share
• Price / Cash Flow: 6.27
• Book Value: $16.56 per share
• Price / Book: 0.96

Miscellaneous

• Outstanding Shares: 34,580,000
• Free Float: 28,253,000
• Market Cap: $548.78 million
• Optionable: N/A
• Beta: 0.16