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NPB

Northpointe BancsharesB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The bull case rests on sustained MPP/AIO growth, higher average earning assets, stable credit quality, low charge-offs, and well-capitalized bank ratios. The stock trades near book value, while third-party coverage lists a roughly $20.50 consensus target and Hold rating.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +1.6.
What can break
Director open-market sales were reported after earlier CEO purchases; insider activity is mixed and not an operating-result signal.
Momentum
25
Value
64
Sentiment
71
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $19.50 · Bull $22.00 · Bear $15.00Analysis 2026-07-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $20.38
Why
Momentum25 · Δ7d +1.2
Value64 · Δ7d 0.0
Sentiment71 · Δ7d +1.6
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +1.6.

Contradictions & invalidation

  • • Director open-market sales were reported after earlier CEO purchases; insider activity is mixed and not an operating-result signal.
  • • Earnings remain sensitive to mortgage production, interest-rate locks, loan-sale gains, and MSR valuations.
  • • The Q2 EPS and revenue miss, sequential NIM compression, elevated brokered-CD reliance, higher compensation expense, and low analyst coverage limit near-term visibility.

Catalyst clock

2026-07-22

Q2 earnings beat operationally but missed consensus

Lead driver: Sentiment · See AI snapshot
Momentum
25
9% active weight
Current posture
7d trendFlat
Δ7d
+1.2
Δ21d
+4.8
Value
64
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.0
Sentiment
71
62% active weight
Current posture
7d trendImproving
Δ7d
+1.6
Δ21d
+3.0
Why this grade

Composite grade B. Momentum 24.6 / Value 64.4 / Sentiment 71.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-24. Scenario method

B+
Bull case
25%
Probability
Target price
$22.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$19.50
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$15.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$598.96M
Beta
-
Shares Out
34.58M
P/E (TTM) · Derived
8.1
P/S (TTM)
-
P/FCF (TTM) · Derived
6.54
Rev YoY
+11.7%
EPS YoY
+17.3%
Gross Margin
-
Op Margin
+23.5%
Net Debt
$1.04B
Current Ratio
0.11
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data