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NPB

NEUTRAL
$17.83 Live
Northpointe Bancshares, Inc. · NYSE
Target $21.08 (+18.2%)
$12.52 52W Range $19.48
Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 01, 2026
Market cap
$615.03M
P/E
7.96
ROE
15.0%
Profit margin
35.1%
Debt/Equity
N/A
Dividend yield
0.56%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
NPB presents a classic value trap profile, characterized by a very weak Piotroski F-Score of 2/9 indicating deteriorating fundamental health despite strong top-line growth. While the stock trades at a significant discount to its Graham Number ($29.36) and Intrinsic Value ($66.08), this valuation is offset by bearish technicals, insider selling, and a poor earnings track record (1/4 beats). The disconnect between high growth rates and poor financial health scores suggests underlying operational or balance sheet instability.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY Revenue Growth (27.90%) and Earnings Growth (24.20%)
Low P/E ratio (7.96) and Forward P/E (5.98) compared to sector averages
Healthy ROE of 15.01% and ROA of 1.33%
Very low dividend payout ratio (4.46%), providing ample room for future increases

Key Risks

Critical financial health warning indicated by Piotroski F-Score of 2/9
Bearish insider sentiment with $1.3M in net selling over the last 6 months
Poor earnings reliability with 3 of the last 4 quarters missing estimates
Strongly bearish technical trend (10/100)
Lack of transparency in debt/equity and cash flow metrics
AI Fair Value Estimate
Based on comprehensive analysis
$26.5
+48.6% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
55
Moderate
Value
90
Future
65
Past
60
Health
20
Dividend
40
AI Verdict
Speculative Value
Key drivers: Deep valuation discount, Severe fundamental health deterioration (Piotroski), Insider divestment, Strong growth metrics
Confidence
85%
Value
90/100

Ref P/E 7.96, Graham Number $29.36

Positives
  • Price ($17.83) is well below Graham Number ($29.36)
  • P/B ratio of 1.04 is very attractive
Watchpoints
  • Market is pricing in significant risk not captured by static formulas
Future
65/100

Ref Growth rates

Positives
  • High Q/Q Revenue Growth (49.28%)
  • Strong YoY Earnings Growth (24.20%)
Watchpoints
  • Consistent failure to meet analyst earnings estimates
Past
60/100

Ref Historical trends

Positives
  • Positive 1Y price change of 30.4%
Watchpoints
  • Recent quarterly earnings surprises are predominantly negative
Health
20/100

Ref Piotroski F-Score

Positives
  • Positive ROA
Watchpoints
  • Piotroski F-Score of 2/9 indicates weak financial health
Dividend
40/100

Ref Yield, Payout

Positives
  • Extremely low payout ratio
Watchpoints
  • Very low dividend yield (0.56%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$17.83
Analyst Target
$21.08
Upside/Downside
+18.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for NPB and closest competitors.

Updated 2026-04-30
NPB
Northpointe Bancshares, Inc.
Primary
5Y
+23.2%
3Y
+23.2%
1Y
+30.4%
6M
+11.7%
1M
+3.4%
1W
+2.9%
RRB
Red River Bancshares, Inc.
Peer
5Y
+73.6%
3Y
+111.2%
1Y
+83.7%
6M
+41.2%
1M
+3.8%
1W
-0.5%
FAX
Abrdn Asia-Pacific Income Fund Inc
Peer
5Y
+4.5%
3Y
+36.6%
1Y
+11.0%
6M
+2.6%
1M
+1.1%
1W
-0.0%
NDM
Nuveen Dynamic Municipal Opportunities Fund
Peer
5Y
-13.7%
3Y
+17.4%
1Y
+8.5%
6M
-0.6%
1M
+1.3%
1W
+0.2%
MHD
BlackRock MuniHoldings Fund, Inc.
Peer
5Y
-7.3%
3Y
+17.8%
1Y
+11.0%
6M
+2.4%
1M
+5.2%
1W
-0.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
7.96
Forward P/E
5.98
PEG Ratio
N/A
P/B Ratio
1.04
P/S Ratio
2.45
EV/Revenue
7.46
EV/EBITDA
N/A
Market Cap
$615.03M

Profitability

Profit margins and return metrics

Profit Margin 35.12%
Operating Margin 46.08%
Gross Margin N/A
ROE 15.01%
ROA 1.33%

Growth

Revenue and earnings growth rates

Revenue Growth +27.9%
Earnings Growth +24.2%
Q/Q Revenue Growth +49.28%
Q/Q Earnings Growth +28.4%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$14.14

Quarterly Earnings History

EPS performance vs analyst estimates

2026-08-13
$N/A
2026-04-21
$0.62
-0.8% surprise
2026-01-20
$0.52
-13.8% surprise
2025-10-21
$0.57
+1.8% surprise

Financial Services Sector Comparison

Comparing NPB against 970 companies in the Financial Services sector (155 bullish, 424 neutral, 391 bearish)
P/E Ratio
7.96
This Stock
vs
34.85
Sector Avg
-77.2% (Discount)
Return on Equity (ROE)
15.01%
This Stock
vs
0.53%
Sector Avg
+2725.8% (Excellent)
Profit Margin
35.12%
This Stock
vs
88.61%
Sector Avg
-60.4% (Weaker)
Revenue Growth
27.9%
This Stock
vs
33.1%
Sector Avg
-15.7% (Slower)

Similar Companies

Peer comparison within the same industry

NPB Northpointe...
NEUTRAL
Mkt Cap
$615M
P/E
8.0
ROE
15.0%
Price
$17.83
RRBI Red River...
BULLISH
Mkt Cap
$614M
P/E
14.6
ROE
12.5%
Price
$93.32
 Compare with NPB
FAX Abrdn...
BEARISH
Mkt Cap
$617M
P/E
17.0
ROE
5.1%
Price
$14.94
 Compare with NPB
NDMO Nuveen Dynamic...
BEARISH
Mkt Cap
$618M
P/E
41.4
ROE
-%
Price
$10.36
 Compare with NPB
MHD BlackRock...
BEARISH
Mkt Cap
$610M
P/E
37.7
ROE
2.3%
Price
$11.69
 Compare with NPB

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

BUTLER AMY M
Officer
Stock Award
2026-04-01
7,000 shares
WILLIAMS CHARLES ALAN
Chief Executive Officer
Stock Award
2026-04-01
58,893 shares
CHRISTEL DAVID J
Officer
Stock Award
2026-04-01
9,333 shares
COMPS KEVIN J.
President
Stock Award
2026-04-01
9,333 shares
HOWES BRAD T
Chief Financial Officer
Stock Award
2026-04-01
7,000 shares
DEAN R. JEFFERY
Director
Sell
2026-03-09
57,619 shares · $1,011,213
LAWRENCE DAVID F
Director
Buy
2026-03-03
500 shares · $9,092
WILLIAMS CHARLES ALAN
Chief Executive Officer
Buy
2026-02-12
37,655 shares · $635,952
BUTLER AMY M
Officer
Sell
2026-01-29
16,276 shares · $289,970
CHRISTEL DAVID J
Officer
Stock Award
2025-12-19
85,896 shares
COMPS KEVIN J.
President
Stock Award
2025-12-19
79,696 shares
HOWES BRAD T
Chief Financial Officer
Stock Award
2025-12-19
8,590 shares
BUTLER AMY M
Officer
Stock Award
2025-12-19
23,096 shares
WILLIAMS CHARLES ALAN
Chief Executive Officer
Gift
2025-12-11
189,560 shares
EDGER BRUCE L
Director
Gift
2025-11-17
3,000 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-21

NPB filed an 8-K on April 21, 2026, likely to announce its first-quarter financial results.

DEF 14A
DEF 14A
2026-03-31

NPB filed a Definitive Proxy Statement on March 31, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

10-K
10-K
2026-03-27

NPB filed its 10-K on March 27, 2026, which includes sections on business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
8-K
2026-03-13
8-K
8-K
2026-03-03

NPB filed an 8-K on March 3, 2026, likely to announce its annual financial results for the preceding fiscal year.

8-K
8-K
2026-02-27

NPB filed an 8-K likely announcing its annual financial results for the fiscal year.

8-K
8-K
2026-01-20
8-K
8-K
2025-12-31

NPB filed an 8-K on December 31, 2025, likely reporting material updates or financial results related to the close of its fiscal year.

8-K
8-K
2025-12-18
8-K
8-K
2025-12-09
10-Q
10-Q
2025-11-12
8-K
8-K
2025-10-21
10-Q
10-Q
2025-08-13
8-K
8-K
2025-08-11
8-K
8-K
2025-07-24
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
3 analysts
Piper Sandler
2025-12-22
Maintains
Overweight Overweight

Past News Coverage

Recent headlines mentioning NPB from our newsroom.

Newest → oldest
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