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: $18.57 to $19.00
• 50-Day Range: $16.92 to $19.14
• 52-Week Range: $13.66 to $19.71
• Volume: 137,657 shs
• Average Volume: 202,976 shs
• Market Capitalization: $644.54 million
• P/E Ratio: 8.40
• Dividend Yield: 0.54%
• Price Target: $20.50
• Consensus Rating: Hold

Northpointe Bancshares Stock Analysis - MarketRank™

Northpointe Bancshares scored higher than 86% of companies evaluated by MarketBeat, and ranked 211th out of 874 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: 2.4 / 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, 1 buy rating, 2 hold ratings, and 1 sell rating.

Upside/Downside

The consensus price target for Northpointe Bancshares is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

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

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 10.29%

Earnings Growth

Earnings for Northpointe Bancshares are expected to grow by 10.29% in the coming year, from $2.72 to $3.00 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Northpointe Bancshares is 8.42, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.92.

Price to Earnings Ratio vs. Sector

The P/E ratio of Northpointe Bancshares is 8.42, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.48.

Price to Book Value per Share Ratio

Northpointe Bancshares has a P/B Ratio of 1.13. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.15% 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 1.23, 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 35.05%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Northpointe Bancshares has a dividend yield of 0.53%, 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 4.50%. 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 3.33% next year. This indicates that Northpointe Bancshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: 0.88

News Sentiment

Northpointe Bancshares has a news sentiment score of 0.88. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Northpointe Bancshares this week, compared to 1 article on an average week.

Company Ownership

• Score: 2.8 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $20,109.00 in company stock, which represents 0.0031% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Northpointe Bancshares insiders have bought 4.90% more of their company's stock than they have sold. Specifically, they have bought $430,250.00 in company stock and sold $410,141.00 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 5/5 Dividend: 4/15/2026
• Ex-Dividend for 5/5 Dividend: 4/15/2026
• Last Earnings: 4/21/2026
• Dividend Payable: 5/05/2026
• Today: 7/13/2026
• Record date for 8/4 Dividend: 7/15/2026
• Ex-Dividend for 8/4 Dividend: 7/15/2026
• Dividend Payable: 8/04/2026
• Fiscal Year End: 12/31/2026

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: 1999

Price Target and Rating

• Average Price Target for Northpointe Bancshares: $20.50
• High Price Target: $22.00
• Low Price Target: $19.25
• Potential Upside/Downside: +10.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.22
• Trailing P/E Ratio: 8.40
• Forward P/E Ratio: 6.85
• P/E Growth: N/A
• Net Income: $83.41 million
• Net Margins: 17.92%
• Pretax Margin: 23.79%
• Return on Equity: 14.80%
• Return on Assets: 1.28%

Debt

• Debt-to-Equity Ratio: 2.96
• Current Ratio: 1.44
• Quick Ratio: 1.38

Sales & Book Value

• Annual Sales: $471.18 million
• Price / Sales: 1.37
• Cash Flow: $2.52 per share
• Price / Cash Flow: 7.41
• Book Value: $16.56 per share
• Price / Book: 1.13

Miscellaneous

• Outstanding Shares: 34,580,000
• Free Float: 28,253,000
• Market Cap: $644.54 million
• Optionable: N/A
• Beta: N/A