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NPB

Northpointe BancsharesB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
MPP and All-in-One balances grew in Q3, while management projects substantially lower 2027 expenses if the mortgage-channel exit succeeds. The projected savings are conditional, not realized.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -7.0.
What can break
Net interest margin was 2.32%, down from 2.47% a year earlier, and the wholesale funding ratio rose to 63.94%. [#IR-Q3-2026-10-20] Company release
Momentum
28
Value
64
Sentiment
55
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $15.50 · Bull $19.00 · Bear $12.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $17.75
Why
Momentum28 · Δ7d -2.0
Value64 · Δ7d -7.0
Sentiment55 · Δ7d -5.5
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -7.0.

Contradictions & invalidation

  • • Net interest margin was 2.32%, down from 2.47% a year earlier, and the wholesale funding ratio rose to 63.94%. [#IR-Q3-2026-10-20] Company release
  • • Nonperforming assets rose to $95.5 million from $86.7 million in Q2, although Q3 net charge-offs remained low. [#IR-Q3-2026-10-20] Company release
  • • Q3 EPS missed the reported $0.60 consensus by $0.21.

Catalyst clock

2026-10-21

Q3 earnings miss and post-print reassessment

Lead driver: Value · See fundamentals
Momentum
28
8% active weight
Current posture
7d trendSoftening
Δ7d
-2.0
Δ21d
-0.0
Value
64
47% active weight
Current posture
7d trendSoftening
Δ7d
-7.0
Δ21d
+0.0
Sentiment
55
45% active weight
Current posture
7d trendSoftening
Δ7d
-5.5
Δ21d
-13.4
Why this grade

Composite grade B. Momentum 28.4 / Value 64.4 / Sentiment 55.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
25%
Probability
Target price
$19.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$15.50
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$12.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$545.01M
Beta
-
Shares Out
34.58M
P/E (TTM) · Derived
7.4
P/S (TTM)
-
P/FCF (TTM) · Derived
5.95
Rev YoY
+11.7%
EPS YoY
+17.3%
Gross Margin
-
Op Margin
+23.5%
Net Debt
$1.04B
Current Ratio
0.11
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data