Northpointe Bancshares stock
NPBNYSENorthpointe Bancshares, Inc., Financial ServicesISIN US66661N8864
66Score 66 out of 100, Neutral
Price and trend
49 / 100
Price history
−7.5% in one yearThe chart shows daily closes over 2 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 10% below it.
Since September 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 50).
The price is 20% below its 52-week high. Largest decline in 2 years: 25% (July 2026 to September 2026).
Chart figures for advanced users
- SMA 50$15.90
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$17.24
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)50
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$14.57
- The lowest closing price of the last twelve months.
- Resistance$19.31
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Northpointe Bancshares, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $533.94M, is number 362 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $241.72M (up 29.2% year on year) and earnings of $83.41M (up 51.2%).
- MEQIRI Score 66 out of 100 (Neutral): rank 575 of 976 in Financial Services, median 68.
Show more
- The P/E is 7.3 (Banks (Regional) median 12.2, own median of recent years 7.8).
- Our model puts fair value at $20.17, with the price 22% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 74.9% a year since 2022.Growth 60
Weaknesses
- Revenue shrinkingRevenue down 2.1% a year since 2022.Growth 60
Its standout strengths are valuation and fundamentals, while technical analysis and momentum hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansValuation
Valuation signal
Modestly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $15.52 and expensive above $28.82 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $14.35 (excess return model) and $26.00 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $18.98, at 7.8% it would be $21.97.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 13.7% on the twelve months before. Revenue has changed sharply in recent years: $241.72M in 2025 after $187.14M in 2024.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 46%, net 35%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 19 Jan 2027in 68 days
- Last reported
- 20 Oct 2026EPS reported $0.39 (expected $0.60)below expectations
Analyst estimates
- Earnings per share
- $2.24−7.9%
- Revenue
- $242.14M−4.3%
- Earnings per share
- $2.51−6.6%
- Revenue
- $212.69M−22.3%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −8.0%Guidance is maintained: a full year net interest margin of 2.3% to 2.4%, expenses of $138 million to $142 million unchanged, and provision expense of $2 million to $3 million.
“I now expect total provision expense in the range between $2 million and $3 million for 2026, which would be driven by the replenishment of net charge-offs and growth in our MPP and AIO loans.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 22 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
4 insiders bought on the open market between 23 Oct 2026 and 28 Oct 2026, $1.82M in total. One insider sold, $408,277 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Chaudhary Rajeev KumarPurchase
28 Oct 2026, Board
- Shares
- 3,000
- Price
- $15.80
- Value
- $47,398
- Williams Charles AlanPurchase
26 Oct 2026, CHAIRMAN & CEO
- Shares
- 50,000
- Price
- $15.32
- Value
- $766,175
- Long Joseph BPurchase
23 Oct 2026, Chief Operating Officer
- Shares
- 3,240
- Price
- $15.37
- Value
- $49,800
Show 15 more
- Boer Carrie LPurchase
23 Oct 2026, Board
- Shares
- 12,000
- Price
- $15.40
- Value
- $184,762
- Williams Charles AlanPurchase
23 Oct 2026, CHAIRMAN & CEO
- Shares
- 50,000
- Price
- $15.42
- Value
- $771,215
- Williams Charles AlanPurchase
1 Sept 2026, 10 percent owner, officer: CHAIRMAN & CEO
- Shares
- 85,000
- Price
- $16.74
- Value
- $1.42M
- Williams Charles AlanPurchase
26 Aug 2026, 10 percent owner, officer: CHAIRMAN & CEO
- Shares
- 48,312
- Price
- $16.95
- Value
- $818,681
- Williams Charles AlanPurchase
25 Aug 2026, 10 percent owner, officer: CHAIRMAN & CEO
- Shares
- 30,000
- Price
- $16.95
- Value
- $508,425
- Hooker David StevensSale
14 Aug 2026, Board
- Shares
- 772
- Price
- $17.50
- Value
- $13,514
- Hooker David StevensSale
13 Aug 2026, Board
- Shares
- 363
- Price
- $17.53
- Value
- $6,364
- Hooker David StevensSale
4 Aug 2026, Board
- Shares
- 3,156
- Price
- $17.57
- Value
- $55,462
- Hooker David StevensSale
3 Aug 2026, Board
- Shares
- 3,209
- Price
- $17.59
- Value
- $56,457
- Hooker David StevensSale
1 Jul 2026, Board
- Shares
- 7,500
- Price
- $19.30
- Value
- $144,723
- Hooker David StevensSale
9 Jun 2026, Board
- Shares
- 2,351
- Price
- $17.70
- Value
- $41,610
- Hooker David StevensSale
8 Jun 2026, Board
- Shares
- 739
- Price
- $17.52
- Value
- $12,947
- Hooker David StevensSale
5 Jun 2026, Board
- Shares
- 285
- Price
- $17.52
- Value
- $4,994
- Hooker David StevensSale
2 Jun 2026, Board
- Shares
- 4,125
- Price
- $17.50
- Value
- $72,207
- Williams Charles AlanPurchase
13 May 2026, 10 percent owner, officer: CHAIRMAN & CEO
- Shares
- 25,000
- Price
- $17.08
- Value
- $427,030
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Northpointe Bancshares
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 66
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Bankwell Financial GroupBWFG $564.18M80
- Bank7BSVN $561.64M82
- Colony BankcorpCBAN $556.58M63
- ChoiceOne Financial ServicesCOFS $547.07M72
- Sierra BancorpBSRR $544.85M75
- Grupo SupervielleSUPV $535.87M13
- Northrim BanCorpNRIM $534.99M74
- Orange County BancorpOBT $534.43M81
ETFs that hold Northpointe Bancshares
Held by 3 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.02% | 0.39% | €1.47B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.01% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 20 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.