NPB Stock Analysis: Buy, Sell, or Hold?
NPB - Northpointe Bancshares, Inc.
$17.21
-0.11 (-0.64%)
▼
5d:
-1.66%
30d:
-0.06%
90d:
-2.33%
HOLD
MODERATE Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Nov 12, 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 $17.21, which is considered slightly low relative to its 30-day fair value range of $16.91 to $18.12. 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 currently testing key support at $16.80. A bounce from this level would confirm strength, while a break below could signal further downside.
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 currently testing key support at $16.80. A bounce from this level would confirm strength, while a break below could signal further downside.
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
SLIGHTLY LOW
Historical Trading Range
$16.91 -
$18.12
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
78.1%
All Signals
- BULLISH: Price oversold vs 30-day 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
$16.91 -
$18.12
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$16.80
Resistance Level
$17.63
Current Trend
Sideways
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.27
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
$17.43
(+1%)
2-Year Target
$17.66
(+3%)
3-Year Target
$17.89
(+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: 20.1, Growth: 11.2%)
$75.73
(+340%)
Base:
(SPY PE: 6.3, Growth: 11.2%)
$23.67
(+38%)
Bear:
(PE: 5.3, Growth: 11.2%)
$20.12
(+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: 7.47 | Current EPS (TTM): $2.32
Bull Case
$22.53
(+31%)
Analyst growth 18.2%, PE expands to 8.2
Base Case
$20.48
(+19%)
Market implied 18.2%, PE stable at 7.5
Bear Case
$11.78
(-32%)
Severe decline -20.0%, PE contracts to 6.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 1:36 AM ET
Data refreshes hourly during market hours. Next update: 2:36 AM
Data refreshes hourly during market hours. Next update: 2:36 AM
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Technical Signals Check
Is NPB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Richard Jeffery Dean
SELL
57619 shares
2026-03-09
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