NPB · Northpointe Bancshares Inc
$15.36
+0.01 (+0.07%)
At close · Oct 5
Return incl. dividend (before tax)
Market Cap
$531.52M
Shares
34.58M
Volume · Oct 5
214.11K
Avg daily vol (3M)
219.8K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$15.36
Open$15.39
Day$15.16–15.45
52W close$14.57–19.31
Avg vol 30d255K
Short int594K · 1.7% float · 2.5d
Short vol58%
Last earningsOct 21, 2026
DataFeb 2025–Oct 2026
Filing10-Q · Aug 13
Up next
Next earnings call
Oct 21, 2026
Scheduled
· in 2 wks
filed Aug 13, 2026
call held Jul 22, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$257.23M
Trailing 12 months
Net income (TTM)
$89.72M
Trailing 12 months
Revenue growth YoY
+9.1%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
6.6
Trailing earnings · reciprocal yield 15.2%
FCF yield
19.2%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$538.36M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+0.6%
Year over year · more shares
Price change (1Y)
-11.7%
Trailing year
Short interest
1.7%
Latest settlement · 2.5 days to cover
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Sell
Momentum
Very Weak
Sentiment
Very Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 15.5 · calm
Equity put/call 0.59
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−12%
below
Price vs 50-day avg
−8%
below
RSI (14)
37
neutral
MACD trend
Negative
52-week position
17%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−11%
trailing
6-month return
−19%
trailing
YTD return
−8%
this year
Relative strength
−31%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $17 › 200d $18 — 200d above 50d
Institutional flow
Accumulating
+4% holders QoQ · +18 funds added
Insider flow
Accumulating
Net +$2.8M over 90 days · 0% sells
Short interest
Falling
1.72% of float · ▼ -12.2% MoM · 2.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
120 holders — near 1-yr high, broad support
Squeeze score
34
low risk · 0–100
Fundamentals
Revenue growth
+27%
Y/Y
EPS growth
+15%
Y/Y
Free cash flow
$41.5M
Valuation
P/E 6.6
below peers
Quant / Vol
risk profile
Volatility
29%
annualized · 1-yr
Max drawdown
−25%
past year
ATR
2.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
year-end 2026
Non-AIO and non-NPP loan portfolio balances
$1.9B – $2.1B
full year 2026
Total provision expense
Initiated
$2M – $3M
All-in margin on saleable mortgage originations
Initiated
2.75% – 3.25%
MPP fees
Initiated
$9M – $11M
Loan servicing fees (excluding MSR fair value changes)
Initiated
$9M – $11M
Total non-interest expense
Initiated
$138M – $142M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−12%
Bearish
Price vs 50-day avg
−8%
Bearish
RSI (14)
37
Neutral
MACD trend
Negative
Bearish
52-week position
17%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 4 of 6
Trend (MA cross)
No cross
50d $17 › 200d $18 — 200d above 50d
Institutional flow
Accumulating
+4% holders QoQ · +18 funds added
Insider flow
Accumulating
Net +$2.8M over 90 days · 0% sells
Short interest
Falling
1.72% of float · ▼ -12.2% MoM · 2.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
120 holders — near 1-yr high, broad support
Price context
position in its 52-week range
Range low $15
Now $15 · 17%
Range high $19
vs 200-day avg -12%
vs 50-day avg -8%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| AIO loans increase compared to December 31, 2025 | $64.6M | the three months ended June 30, 2026 filing | — |
| Loan production offices | 28 | the three months ended June 30, 2026 filing | — |
| Mortgage originators | 121 | the three months ended June 30, 2026 filing | — |
| MPP balances increase compared to December 31, 2025 | $513M | the three months ended June 30, 2026 filing | — |
| Net charge-offs (recoveries) to average loans (annualized) | 0.03% | three months ended June 30, 2026 filing | — |
| Net interest margin | 2.33% | the three months ended June 30, 2026 filing | — |
| Total cash and cash equivalents | $538.4M | the three months ended June 30, 2026 filing | — |
| Total deposits increase compared to December 31, 2025 | $363.6M | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
NPB
this stock
Northpointe Bancshares Inc
|
$531.52M | -8.5% | +27.3% | 6.6 | 1.7% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +50.7% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -39.5% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +16.0% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -6.9% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| NPB | +1.7% | -11.1% | -19.2% | +5.4% | -8.5% |
| SPY | +1.2% | +0.6% | +11.6% | +1.6% | +13.6% |
| vs SPY | +0.5% | -11.7% | -30.7% | +3.8% | -22.1% |