Northpointe Bancshares, Inc. (NPB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Northpointe Bancshares, Inc. stock $15.75, price $15.76, that is 0.1% below the price, quality 42 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
21‑month range $11.67 – $19.28 · fair‑value band $12.96 – $22.96 · the $15.76 price screens above the $15.75 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Northpointe Bancshares, Inc. operates as the bank holding company for Northpointe Bank provides various banking products and services in the United States. It operates through two segments: Mortgage Purchase Program and Retail Banking.
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The company offers digital deposit banking, such as noninterest-bearing accounts, savings, money-market demand accounts, and certificates of deposits; personal and business banking; and health saving accounts; home loans; mortgage purchase program; residential mortgage lending; and custodial deposit services.
Northpointe Bancshares, Inc. was incorporated in 1998 and is headquartered in Grand Rapids, Michigan.
Stock analysis
Northpointe Bancshares, Inc. (NPB) currently trades at $15.76, while our model-based Fair Value estimate is $15.75, so the stock looks roughly fairly valued today (gap 0.1%).
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Valuation
Bull case: the Multiples group reads highest at a median of $26.79 per share, and 3 of the 6 models we run sit above the $15.76 price.
Bear case: the Dividend Discount group reads lowest at $4.31, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $12.96 (bear) to $22.96 (bull), the price of $15.76 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Northpointe Bancshares, Inc. reported revenue of $471M in FY2025 versus $2.2M in FY2021, a compound +283.9%/yr. Reported net income was $83.4M in FY2025.
Key figures
Market cap $558M Small · P/E ratio 7.4 · P/S ratio 2.26 · EPS (TTM) $2.14 · Dividend yield 0.7% · Net margin 33.2% · Return on equity 13.1% · Return on assets (EBIT) −0.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 0%, NPB screens cheaper than that median.
Fair Value models
Bear$12.96Fair Value $15.75Bull$22.96
Price $15.76 · Downside -0.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.74 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income$15.25$18.53$27.0175
Gordon GGM$2.52$4.49$6.1268
DDM Multi-Stage$2.52$4.13$4.8067
All 6 models by family
Dividend Discount
Gordon GGM$2.52$4.49$6.1268
DDM Multi-Stage$2.52$4.13$4.8067
Multiples
P/E Multiple$23.52$31.36$39.1963
P/B Multiple$16.67$22.22$27.7855
Asset-Based
NCAV (Graham)$7.94$10.64$15.8754
Economic Profit
Residual Income$15.25$18.53$27.0175
The fair value above starts from this blend and is adjusted for dilution from new shares.
In the last 6 months, 4 officers or directors bought shares worth $2.2M, most recently on Oct 28, 2026. Over the same period, one person sold shares worth $408,265. Buying cluster
BuyRajeev Kumar ChaudharyDirector3,000 shares at $15.80$47,398Oct 28, 2026
BuyCharles Alan WilliamsCHAIRMAN & CEO, Director3× since Feb 11, 2026: 162,655 shares, avg. $16.01$2.6MOct 26, 2026
BuyJoseph B LongChief Operating Officer3,240 shares at $15.37$49,800Oct 23, 2026
BuyCarrie L BoerDirector12,000 shares at $15.40$184,762Oct 23, 2026
BuyCharles A Williams TR Charles A Williams Trust10% owner3× since May 13, 2026: 188,312 shares, avg. $16.87$3.2MSep 1, 2026
SaleDavid Stevens HookerDirector7× since May 1, 2026: 30,000 shares, avg. $18.06$541,915Aug 14, 202610b5-1 plan
SaleRichard Jeffery DeanDirector57,619 shares at $17.55$1.0MMar 9, 2026
BuyDavid F. LawrenceDirector500 shares at $18.19$9,095Mar 3, 2026
SaleAmy M ButlerEVP, NATIONAL SALES16,276 shares at $17.82$289,970Jan 29, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.83/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+20.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+67.1%
Start year 2020 (pandemic)
’20
’22
’23
’24
’25
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+61.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+60.8%
Dividend (yield on the price)0.7%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 23%
2025 sits 150% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
News mood ⓘNews mood, the average tone of recent news (41 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score42 · Bottom 25%
Fair Value upside−0.1% · Above median
Profitability
Return on equity (12 months)13.1% · Above median
Return on assets1.2% · Above median
Net margin (12 months)33.2% · Above median
Operating margin (12 months)34.5% · Below median
Growth and dividend
Revenue growth (quarter YoY)−13.3% · Bottom 25%
Dividend yield (12 months)0.7% · Bottom 25%
Balance sheet
Debt / equity0.17× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)7.4× · Cheapest 25%
P/B0.98× · Cheaper than median
P/S (12 months)2.26× · Cheapest 25%
Price / free cash flow (fiscal year)13.4× · Pricier than median
EV/EBITDA1.4× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)33· sector 8
FUTURE (revenue growth)0· sector 47
PAST (return on equity)53· sector 43
HEALTH (low debt)–
DIVIDEND (yield)13· sector 53
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Northpointe Bancshares, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/NPB
Frequently asked questions
Is Northpointe Bancshares, Inc. (NPB) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $15.75 versus a price of $15.76, about 0% lower (fairly valued).
What is the fair value of NPB?
Our model-based fair value for Northpointe Bancshares, Inc. is $15.75 (as of Nov 6, 2026), built from audited fundamentals. The current price: $15.76.
What is the quality score of NPB?
Northpointe Bancshares, Inc. has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Northpointe Bancshares, Inc. (NPB)?
Our model-based price target is the fair value of $15.75 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $12.96, optimistic scenario $22.96. It is a calculation from audited fundamentals, not an analyst target.
What is the Northpointe Bancshares, Inc. stock forecast for 2026?
Our models put fair value at $15.75, about 0% lower versus a price of $15.76 (fairly valued). Cautious scenario $12.96, optimistic scenario $22.96. The calculation is refreshed regularly with new filings.
What is the revenue of Northpointe Bancshares, Inc. (NPB)?
Northpointe Bancshares, Inc. reported trailing-twelve-month revenue of about $247M (latest available figure, as of Nov 6, 2026).
Does Northpointe Bancshares, Inc. pay a dividend?
Northpointe Bancshares, Inc. currently shows a dividend yield of 0.67% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Northpointe Bancshares, Inc. (NPB) and when is the ex-dividend date?
Northpointe Bancshares, Inc. pays a dividend of $0.105 per share a year, a dividend yield of 0.7%. The last ex-dividend date was Oct 15, 2026. The payout ratio is 4.9% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Northpointe Bancshares, Inc. (NPB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Northpointe Bancshares, Inc. it is $15.75 per share (as of Nov 6, 2026), against a price of $15.76. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Northpointe Bancshares, Inc. stock overvalued or undervalued in 2026?
As of Nov 6, 2026, NPB trades above its calculated fair value: price $15.76, fair value $15.75, a gap of about −0% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of NPB?
No. The price is what the market pays today ($15.76); the fair value is what the company's own numbers justify ($15.75). For Northpointe Bancshares, Inc. the two are $0.0095 per share apart. That gap is exactly why we show both numbers side by side.
How much is Northpointe Bancshares, Inc. worth?
The market values Northpointe Bancshares, Inc. at about $558M (market capitalisation, as of Nov 6, 2026). Per share that is $15.76; our models calculate a fair value of $15.75 per share.
What do the bullish and bearish scenarios say about NPB?
Our models span a range for Northpointe Bancshares, Inc.: cautious scenario $12.96, base $15.75, optimistic $22.96 per share (as of Nov 6, 2026, price $15.76). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NPB?
Northpointe Bancshares, Inc. trades at a price-to-earnings ratio of 7.4 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.75 is built from several models across several years. Other multiples: P/B 1.0, P/S 2.3, EV/EBITDA 1.4.
How solid is the balance sheet of Northpointe Bancshares, Inc. (NPB)?
Balance-sheet figures for Northpointe Bancshares, Inc. (as of Nov 6, 2026): return on equity 13.1%, debt of 0.17 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is NPB from its 52-week high?
Northpointe Bancshares, Inc. trades at $15.76, about 18% below its 52-week high of $19.28 and 8% above the low of $14.57 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $15.75 is for.
Which stocks are comparable to Northpointe Bancshares, Inc.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Northpointe Bancshares, Inc. stock attractive at the current price?
The data as of Nov 6, 2026: price $15.76, calculated fair value $15.75 (−0%), Quality Score 42/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of NPB calculated?
We run Northpointe Bancshares, Inc. through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $15.75 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Northpointe Bancshares, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Northpointe Bancshares, Inc. (NPB)?
The closing price on Nov 6, 2026 was $15.76. Our model-based fair value is $15.75, about 0% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Northpointe Bancshares, Inc. right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Northpointe Bancshares, Inc.
How large is the market capitalisation of Northpointe Bancshares, Inc. (NPB)?
The market capitalisation of Northpointe Bancshares, Inc. is $558M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Northpointe Bancshares, Inc. (NPB)?
The price-to-sales ratio of Northpointe Bancshares, Inc. is 2.26 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Northpointe Bancshares, Inc. (NPB)?
Earnings per share at Northpointe Bancshares, Inc. are $2.14 (price ÷ EPS = P/E 7.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Northpointe Bancshares, Inc. (NPB)?
The dividend yield of Northpointe Bancshares, Inc. is 0.7% (payout 4.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Northpointe Bancshares, Inc. (NPB)?
The net margin of Northpointe Bancshares, Inc. is 33.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Northpointe Bancshares, Inc. (NPB)?
The return on equity (ROE) of Northpointe Bancshares, Inc. is 13.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Northpointe Bancshares, Inc. (NPB)?
On an EBIT basis the return on assets of Northpointe Bancshares, Inc. is −0.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Northpointe Bancshares, Inc. (NPB)?
The operating margin of Northpointe Bancshares, Inc. is 34.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Northpointe Bancshares, Inc. (NPB)?
Revenue at Northpointe Bancshares, Inc. is growing −13.3% versus a year earlier (3y avg +13.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Northpointe Bancshares, Inc. (NPB)?
Earnings per share at Northpointe Bancshares, Inc. are growing −31.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Northpointe Bancshares, Inc. (NPB) generate?
The free cash flow of Northpointe Bancshares, Inc. is $41.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Northpointe Bancshares, Inc. (NPB) carry?
The net debt of Northpointe Bancshares, Inc. is $1.0B (fiscal year 2025, ≈ 25.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 6, 2026