NPB Stock Analysis: Buy, Sell, or Hold?
NPB - Northpointe Bancshares, Inc.
$17.50
0.22 (1.27%)
▲
5d:
+1.8%
30d:
-9.37%
90d:
-1.85%
BUY
HIGH Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 21, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: NPB shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: NPB shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$28.35
Based on 10.5% avg growth
INTRINSIC VALUE TODAY
$17.60
0.6% Margin of Safety
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 $17.50, which is considered oversold relative to its 30-day fair value range of $17.56 to $19.06. The stock's valuation (Forward PE: 6.0) is in line with its historical norms (6.0). Remarkably, the market is currently pricing in an annual earnings decline of 0.2% 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 uptrend. Immediate support is located at $16.75, while resistance sits at $18.91.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $20.92 (+20.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NPB is in a uptrend. Immediate support is located at $16.75, while resistance sits at $18.91.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $20.92 (+20.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$17.56 -
$19.06
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 20.9% below Wall St target ($20.92)
Trading Range Analysis
30-Day Trading Range
$17.56 -
$19.06
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$16.75
Resistance Level
$18.91
Current Trend
Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.99
Wall Street Target
$20.92
(+20.9%)
Revenue Growth (YoY)
9.8%
Earnings Growth (YoY)
17.6%
Profit Margin
35.2%
Valuation Discount vs History
-0.2% cheaper
PE vs Historical
6.0 vs 6.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.2%
(market-implied from PE analysis)
1-Year Target
$17.27
(0%)
2-Year Target
$17.23
(0%)
3-Year Target
$17.20
(-1%)
3-Yr Target (if PE normalizes)
(PE: 6→6)
$17.22
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.8, Growth: 16.9%)
$95.89
(+454%)
Base:
(SPY PE: 6.0, Growth: 16.9%)
$27.62
(+60%)
Bear:
(PE: 5.1, Growth: 16.9%)
$23.47
(+36%)
📈
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: 7.46 | Current EPS (TTM): $2.32
Bull Case
$23.68
(+35%)
Analyst growth 24.4%, PE expands to 8.2
Base Case
$21.53
(+23%)
Market implied 24.4%, PE stable at 7.5
Bear Case
$11.76
(-33%)
Severe decline -20.0%, PE contracts to 6.3
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 6.0 to 6.0
Stabilization Target:
$17.32
(+0.1%)
PE Expansion Potential:
+0.1%
Share & Embed Analysis
Last updated: August 02, 2026 10:30 PM ET
Data refreshes hourly during market hours. Next update: 11:30 PM
Data refreshes hourly during market hours. Next update: 11:30 PM
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Technical Signals Check
Is NPB showing a specific setup today?
Insider Activity (6 Months)
2
Buys
1
Sells
+
Net
INSIDERS SELLING
Recent Transactions
Richard Jeffery Dean
SELL
57619 shares
2026-03-09
Charles Alan Williams
BUY
23450 shares
2026-02-12
Charles Alan Williams
BUY
14205 shares
2026-02-11
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