Northpointe Bancshares (NPB) Stock: Buy, Sell, or Hold?
NPB - Northpointe Bancshares, Inc.
$15.27
0.42 (2.79%)
▲
5d:
-0.68%
30d:
-9.62%
90d:
-19.74%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Oct 20, 2026
17d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: NPB shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: NPB shows conflicting indicators. Wait for confirmation before entering.
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 $15.27, which is considered oversold relative to its 30-day fair value range of $15.53 to $17.24. The stock's valuation (Forward PE: 5.4) is in line with its historical norms (6.0). Remarkably, the market is currently pricing in an annual earnings decline of 3.5% over the next few years. This pessimistic expectation contrasts with the company's recent 17.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, NPB is in a downtrend. Immediate support is located at $14.21, while resistance sits at $16.68.
Market Sentiment: The stock scores a mixed 44/100 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 (+37.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, NPB is in a downtrend. Immediate support is located at $14.21, while resistance sits at $16.68.
Market Sentiment: The stock scores a mixed 44/100 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 (+37.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$15.53 -
$17.24
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (44/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 37.3% below Wall St target ($20.38)
- WARNING: Composite score 47/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$15.53 -
$17.24
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$14.21
Resistance Level
$16.69
Current Trend
Downtrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.41
Wall Street Target
$20.38
(+37.3%)
Revenue Growth (YoY)
9.8%
Earnings Growth (YoY)
17.6%
Profit Margin
34.9%
Valuation Discount vs History
-3.5% cheaper
PE vs Historical
5.4 vs 6.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.5%
(market-implied from PE analysis)
1-Year Target
$14.33
(-4%)
2-Year Target
$13.83
(-7%)
3-Year Target
$13.34
(-10%)
3-Yr Target (if PE normalizes)
(PE: 5→6)
$14.79
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 11.2%)
$76.98
(+418%)
Base:
(SPY PE: 5.4, Growth: 11.2%)
$20.43
(+38%)
Bear:
(PE: 4.6, Growth: 11.2%)
$17.36
(+17%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (6x PE), but valuation improves significantly next year (5x PE) as earnings recover.
Trailing PE: 6.39 | Current EPS (TTM): $2.28
Bull Case
$19.28
(+30%)
Analyst growth 20.3%, PE expands to 7.0
Base Case
$17.53
(+18%)
Market implied 20.3%, PE stable at 6.4
Bear Case
$9.91
(-33%)
Severe decline -20.0%, PE contracts to 5.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.4 to 6.0
Stabilization Target:
$16.46
(+10.8%)
PE Expansion Potential:
+10.8%
Share & Embed Analysis
Last updated: October 02, 2026 1:32 PM ET
Data refreshes hourly during market hours. Next update: 2:32 PM
Data refreshes hourly during market hours. Next update: 2:32 PM
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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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