Northpointe Bancshares, Inc.

Northpointe Bancshares, Inc.

NPB·NYSE

$16.85

-3.7%
Financial ServicesBanks - Regional

Northpointe Bancshares, Inc. operates as the bank holding company for Northpointe Bank provides various banking products and services in the United States. It operates through two segments: Mortgage Purchase Program and Retail Banking. The company offers digital deposit banking, such as noninterest-bearing accounts, savings, money-market demand accounts, and certificates of deposits; personal and business banking; and health saving accounts; home loans; mortgage purchase program; residential mortgage lending; and custodial deposit services. Northpointe Bancshares, Inc. was incorporated in 1998 and is headquartered in Grand Rapids, Michigan.

At a Glance

Live Snapshot
Market Cap$253.35M
EPS4.9200
P/E Ratio3.42
Earnings Date07/28/2026
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Northpointe Bancshares, Inc. Street Expectations Map

NPB · NYSE

Wall Street analysts project that NPB stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 20.00, with estimates ranging from a low of 20.00 to a high of 20.00.

Lowest Target
20.00
18.69%
Consensus Target
20.00
18.69%
Highest Target
20.00
18.69%

The consensus 1-year price target stands at 20.00, with estimates ranging from a low of 20.00 to a high of 20.00.

Analyst Consensus Analysis

Upside Potential

+18.7%

Strong upside potential. Consensus indicates attractive return opportunity with favorable risk-reward profile.

Analyst Agreement

0.0% spread

High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.

Analyst Conviction

Very High

Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.

Market Sentiment Insight

Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.

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Northpointe Bancshares, Inc. Forward Estimates of Revenue

NPB · NYSE
Latest Revenue
471.18M
FY 2025
Avg Estimate
275.67M
FY 2026
Estimate Range
275.37M - 275.97M
Analyst Spread

Forward Growth Analysis

Projected Growth-41.5%

Significant contraction projected—major business challenges or industry disruption likely.

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread0%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signals—some positive indicators offset by concerns about growth or uncertainty.

Key Insight

Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.

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Northpointe Bancshares, Inc. Forward Estimates of Net Income

NPB · NYSE
Latest Net Income
83.41M
FY 2025
Avg Estimate
214.75M
FY 2026
Estimate Range
211.99M - 217.51M
Analyst Spread

Forward Growth Analysis

Projected Growth+157.5%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread3%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

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Northpointe Bancshares, Inc. Forward Estimates of EPS

NPB · NYSE
Latest EPS
4.92
FY 2025
Avg Estimate
$2.65
FY 2026
Estimate Range
$2.61 - $2.68
Analyst Spread

Forward Growth Analysis

Projected Growth-46.1%

Significant contraction projected—major business challenges or industry disruption likely.

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread3%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signals—some positive indicators offset by concerns about growth or uncertainty.

Key Insight

Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.

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Northpointe Bancshares, Inc. Forward Estimates of EBIT

NPB · NYSE
Latest EBIT
110.39M
FY 2025
Avg Estimate
-43.84M
FY 2026
Estimate Range
-43.89M - -43.80M
Analyst Spread

Forward Growth Analysis

Projected Growth-139.7%

Significant contraction projected—major business challenges or industry disruption likely.

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread0%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signals—some positive indicators offset by concerns about growth or uncertainty.

Key Insight

Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.

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Northpointe Bancshares, Inc. Forward Estimates of EBITDA

NPB · NYSE
Latest EBITDA
110.39M
FY 2025
Avg Estimate
-42.71M
FY 2026
Estimate Range
-42.75M - -42.66M
Analyst Spread

Forward Growth Analysis

Projected Growth-138.7%

Significant contraction projected—major business challenges or industry disruption likely.

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread0%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signals—some positive indicators offset by concerns about growth or uncertainty.

Key Insight

Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.

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Northpointe Bancshares, Inc. Forward Estimates of SG&A Expense

NPB · NYSE
Latest SG&A Expense
93.62M
FY 2025
Avg Estimate
1.45B
FY 2026
Estimate Range
1.44B - 1.45B
Analyst Spread

Forward Growth Analysis

Projected Growth+1444.4%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread0%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.

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Northpointe Bancshares, Inc. Insider Positioning

NPB · NYSE

During the last 12 months, insiders have purchased $1.51M and sold $2.38M worth of NPB shares, resulting in $868K of net selling activity.

3 Months

Bought

50.0K

857.28K

Sold

64.6K

1.14M

Net Activity

-279K

-$279K

3-6 Months

Bought

38.2K

645.04K

Sold

3.1K

55.84K

Net Activity

+589K

+$589K

6-9 Months

Bought

500

8.29K

Sold

65.2K

1.19M

Net Activity

-1.2M

-$1.18M

9-12 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

Top Buyers

1
WCA

Williams Charles Alan

Director, 10 Percent Owner, Officer: Chairman & Ceo

87.7K shares4 transactions

$1.49M

2
LDF

Lawrence David F.

Director

1.0K shares2 transactions

$17K

Top Sellers

1
HDS

Hooker David Stevens

Director

72.2K shares2 transactions

$1.31M

2
DRJ

Dean Richard Jeffery

Director

57.6K shares1 transactions

$1.01M

3
BAM

Butler Amy M

Officer: Evp, National Sales

3.1K shares1 transactions

$56K

Insider Activity Analysis

Net Insider Sentiment

Bearish

Slightly bearish with $868K net selling. Selling modestly exceeds buying, which could be routine diversification rather than concern.

Buy/Sell Ratio

0.64:1

Moderately negative ratio. Selling is roughly double the buying, which may be routine or signal caution.

Recent Trend (3 Months)

$279K

Negative recent trend with net selling. Insiders have reduced positions in recent months, which could signal caution.

Insider Participation

Moderate Selling

3 insider sellers vs. 2 buyers. More insiders selling than buying suggests cautious or negative sentiment.