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Northpointe Bancshares Inc (NPB)

Featured in Overvalued Stocks Small-Cap Stocks

Northpointe Bancshares, Inc. is a bank holding company for Northpointe Bank and its common stock is listed on the NYSE under the symbol NPB. The company provides banking products and services in the United States through two operating segments: Mortgage Purchase Program and Retail Banking. Its offerings include digital deposit accounts such as noninterest-bearing, savings, money market demand, and certificate of deposit products, along with personal and business banking, health savings accounts, home loans, residential mortgage lending, mortgage purchase program services, and custodial deposit services. Founded in 1998, Northpointe Bancshares is headquartered in Grand Rapids, Michigan.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-NPB
$14.31
-22.7% Downside
Overvalued
$21.42
15.6% Upside
Fair
Fair
July 15, 2026
August 4, 2026
0.1
0.5%
July 21, 2026
8.2x
1.1x
2.5x
647.7 M
—
73.0%
42.2%
-0.7
11.2%
31.6%
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Valuation • Fair Value

Northpointe Bancshares Inc (NYSE-NPB) Fair Value by Valuation Model

Compare the primary fair value estimate for Northpointe Bancshares Inc (NYSE-NPB) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$14.31

Estimated downside of 22.7% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$25.12

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$14.31

Comparable-company valuation reference.

Analyst Price Target

$21.42

Analysts imply upside of 15.6%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Northpointe Bancshares Inc (NYSE-NPB) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Northpointe Bancshares Inc (NYSE-NPB)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

251.5 M

Current operating scale indicator.

Revenue Forecast

266.7 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Northpointe Bancshares Inc (NYSE-NPB) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Northpointe Bancshares Inc (NYSE-NPB)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-0.7

Lower score that deserves closer risk review.

FCF / Net Income

31.6%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Northpointe Bancshares Inc (NYSE-NPB). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Northpointe Bancshares Inc (NYSE-NPB)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 21, 2026

Days to Earnings

0

Dividend Payment Date

August 4, 2026

Ex-Dividend Date

July 15, 2026

Dividend Yield

0.5%

Income yield reference.

Upcoming Dividend

0.1

Upcoming distribution amount.

Payment Type

Cash

Distribution type as reported in the data.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

11.2%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Northpointe Bancshares Inc (NYSE-NPB), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Northpointe Bancshares Inc (NYSE-NPB) Stock Forecast & Technical Outlook

Review Northpointe Bancshares Inc (NYSE-NPB) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Northpointe Bancshares Inc (NYSE-NPB) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Northpointe Bancshares Inc (NYSE-NPB) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for Northpointe Bancshares Inc (NYSE-NPB) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Northpointe Bancshares Inc (NYSE-NPB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Northpointe Bancshares Inc (NYSE-NPB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Northpointe Bancshares Inc (NYSE-NPB)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Northpointe Bancshares Inc (NYSE-NPB) has a Hold consensus, with 0 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ • Fast Investor Answers

Northpointe Bancshares Inc (NYSE-NPB) Stock FAQ

Quick answers about Northpointe Bancshares Inc (NYSE-NPB) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$14.31
Estimated downside 22.7%
Valuation Rating
Overvalued
Estimated downside of 22.7%
Analyst Target
$21.42
Implied upside 15.6%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Northpointe Bancshares Inc (NYSE-NPB) is $14.31. This implies an estimated downside of 22.7% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 22.7% versus the current market price.

The available analyst price target for Northpointe Bancshares Inc (NYSE-NPB) is $21.42. The analyst target implies estimated upside of 15.6%.

The current financial health read for Northpointe Bancshares Inc (NYSE-NPB) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Northpointe Bancshares Inc (NYSE-NPB) is July 21, 2026.

Based on the current data, dividend yield is 0.5%, upcoming dividend amount is 0.1, ex-dividend date is July 15, 2026, payment date is August 4, 2026.

The current P/E ratio listed for Northpointe Bancshares Inc (NYSE-NPB) is 8.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Northpointe Bancshares Inc is 647.7 M.

The ticker symbol for Northpointe Bancshares Inc is NYSE-NPB, and the stock is listed on NYSE.

Northpointe Bancshares Inc (NYSE-NPB) is listed on NYSE.

The current debt-to-total-capital ratio listed for Northpointe Bancshares Inc is 73.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Northpointe Bancshares Inc is 42.2%. Free float helps investors understand how much of the share base is available for public trading.

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