Northpointe Bancshares (NPB) Stock: Buy, Sell, or Hold?
NPB - Northpointe Bancshares, Inc.
$15.45
0.32 (2.12%)
â˛
5d:
-1.09%
30d:
-0.52%
90d:
-10.12%
WAIT
LOW Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 20, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: NPB is fairly priced but lacks strong directional signals. At -1.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: NPB is fairly priced but lacks strong directional signals. At -1.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$22.95
Based on 7.4% avg growth
INTRINSIC VALUE TODAY
$14.25
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 $15.45, which is considered fair relative to its 30-day fair value range of $15.09 to $16.27. The stock's valuation (Forward PE: 5.8) is in line with its historical norms (6.0). Remarkably, the market is currently pricing in an annual earnings decline of 1.4% 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 strong downtrend. Immediate support is located at $13.80, while resistance sits at $16.12.
Market Sentiment: The stock scores a mixed 51/100 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 $19.22 (+24.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, NPB is in a strong downtrend. Immediate support is located at $13.80, while resistance sits at $16.12.
Market Sentiment: The stock scores a mixed 51/100 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 $19.22 (+24.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$15.09 -
$16.27
Company Quality Score
43/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
72.4%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (51/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 24.4% below Wall St target ($19.22)
- WARNING: Composite score 43/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$15.09 -
$16.27
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$13.80
Resistance Level
$16.13
Current Trend
Strong Downtrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.75
Wall Street Target
$19.22
(+24.4%)
Revenue Growth (YoY)
9.8%
Earnings Growth (YoY)
17.6%
Profit Margin
34.9%
Valuation Discount vs History
-1.4% cheaper
PE vs Historical
5.8 vs 6.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.4%
(market-implied from PE analysis)
1-Year Target
$15.23
(-1%)
2-Year Target
$15.02
(-3%)
3-Year Target
$14.81
(-4%)
3-Yr Target (if PE normalizes)
(PE: 6â6)
$15.45
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 10.7%)
$72.41
(+369%)
Base:
(SPY PE: 5.8, Growth: 10.7%)
$20.97
(+36%)
Bear:
(PE: 4.9, Growth: 10.7%)
$17.82
(+15%)
đ
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: 7.07 | Current EPS (TTM): $2.14
Bull Case
$20.89
(+35%)
Analyst growth 25.5%, PE expands to 7.8
Base Case
$19.00
(+23%)
Market implied 25.5%, PE stable at 7.1
Bear Case
$10.29
(-33%)
Severe decline -20.0%, PE contracts to 6.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.8 to 6.0
Stabilization Target:
$16.12
(+4.3%)
PE Expansion Potential:
+4.3%
Share & Embed Analysis
Last updated: October 22, 2026 8:32 PM ET
Data refreshes hourly during market hours. Next update: 9:32 PM
Data refreshes hourly during market hours. Next update: 9:32 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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