Northpointe Bancshares (NPB) Stock: Buy, Sell, or Hold?
NPB - Northpointe Bancshares, Inc.
$17.22
0.22 (1.29%)
▲
5d:
+0.06%
30d:
-0.63%
90d:
-6.06%
HOLD
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 20, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: NPB is fairly valued with market pricing in 1.3% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: NPB is fairly valued with market pricing in 1.3% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$23.71
Based on 7.6% avg growth
INTRINSIC VALUE TODAY
$14.72
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 6.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NPB is currently trading at $17.22, which is considered fair relative to its 30-day fair value range of $16.95 to $17.34. The stock's valuation (Forward PE: 6.3) is in line with its historical norms (6.0). At these levels, the market is pricing in 1.3% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, NPB is showing sideways momentum. The price is approaching resistance at $17.43. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 49/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $20.38 (+18.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, NPB is showing sideways momentum. The price is approaching resistance at $17.43. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 49/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $20.38 (+18.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$16.95 -
$17.34
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
71.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (49/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($20.38)
- NEUTRAL: Market pricing in 1.3% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (49/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$16.95 -
$17.34
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$16.59
Resistance Level
$17.43
Current Trend
Sideways
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.28
Wall Street Target
$20.38
(+18.4%)
Revenue Growth (YoY)
9.8%
Earnings Growth (YoY)
17.6%
Profit Margin
34.9%
Valuation Premium vs History
+1.3% premium
PE vs Historical
6.3 vs 6.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.3%
(market-implied from PE analysis)
1-Year Target
$17.44
(+1%)
2-Year Target
$17.67
(+3%)
3-Year Target
$17.90
(+4%)
3-Yr Target (if PE normalizes)
(PE: 6→6)
PE COMPRESSION
$17.11
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 11.2%)
$76.11
(+342%)
Base:
(SPY PE: 6.3, Growth: 11.2%)
$23.69
(+38%)
Bear:
(PE: 5.3, Growth: 11.2%)
$20.13
(+17%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (7x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 7.33 | Current EPS (TTM): $2.32
Bull Case
$22.11
(+28%)
Analyst growth 18.2%, PE expands to 8.1
Base Case
$20.10
(+17%)
Market implied 18.2%, PE stable at 7.3
Bear Case
$11.56
(-33%)
Severe decline -20.0%, PE contracts to 6.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 7:50 AM ET
Data refreshes hourly during market hours. Next update: 8:50 AM
Data refreshes hourly during market hours. Next update: 8:50 AM
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Technical Signals Check
Is NPB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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