NPB Stock Analysis: Buy, Sell, or Hold?
NPB - Northpointe Bancshares, Inc.
$18.95
-0.36 (-1.86%)
▼
5d:
+1.83%
30d:
+8.29%
90d:
+8.6%
BUY
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 21, 2026
16d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: NPB shows positive signals but monitor for confirmation. Market pricing in 1.9% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: NPB shows positive signals but monitor for confirmation. Market pricing in 1.9% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$25.43
Based on 7.3% avg growth
INTRINSIC VALUE TODAY
$15.79
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 $18.95, which is considered extended relative to its 30-day fair value range of $17.31 to $18.67. 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 1.9% 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 approaching resistance at $18.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NPB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $21.08 (+11.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NPB is showing sideways momentum. The price is approaching resistance at $18.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NPB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $21.08 (+11.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$17.31 -
$18.67
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($21.08)
- NEUTRAL: Market pricing in 1.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$17.31 -
$18.67
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$16.72
Resistance Level
$18.00
Current Trend
Sideways
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.35
Wall Street Target
$21.08
(+11.3%)
Revenue Growth (YoY)
27.9%
Earnings Growth (YoY)
26.5%
Profit Margin
35.1%
Valuation Premium vs History
+1.9% premium
PE vs Historical
6.4 vs 6.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.9%
(market-implied from PE analysis)
1-Year Target
$19.31
(+2%)
2-Year Target
$19.68
(+4%)
3-Year Target
$20.05
(+6%)
3-Yr Target (if PE normalizes)
(PE: 6→6)
PE COMPRESSION
$18.94
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 10.6%)
$87.97
(+364%)
Base:
(SPY PE: 6.4, Growth: 10.6%)
$25.66
(+35%)
Bear:
(PE: 5.4, Growth: 10.6%)
$21.81
(+15%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 8.62 | Current EPS (TTM): $2.24
Bull Case
$28.29
(+49%)
Analyst growth 33.2%, PE expands to 9.5
Base Case
$25.72
(+36%)
Market implied 33.2%, PE stable at 8.6
Bear Case
$13.13
(-31%)
Severe decline -20.0%, PE contracts to 7.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 04, 2026 4:56 AM ET
Data refreshes hourly during market hours. Next update: 5:56 AM
Data refreshes hourly during market hours. Next update: 5:56 AM
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Technical Signals Check
Is NPB showing a specific setup today?
Insider Activity (6 Months)
2
Buys
3
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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