Northpointe Bancshares

NPB · NYSE

$15.78+$0.46 (+3.00%)TodayMarket closed · Oct 20, 7:59 PM ET

Prev close $15.32

NPB analyst rating

BuyConsensus of 2 analysts over the last 12 months. 100% rate it a buy.

Strong buy0
Buy2
Hold0
Underperform0
Sell0

12-month price target · 4 analysts

Average $20.79 (+31.8% upside)

Low: $18.84
Now: $15.78
High: $22.58

Upgrades and downgrades

The latest rating actions, newest first

NPB analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Piper Sandler	Oct 9, 2026	Maintains	Overweight	$21.50 → $20.00	37%
Keefe, Bruyette & Woods	Jul 23, 2026	Maintains	Outperform	$22.00 → $21.00	64%
Piper Sandler	Jul 2, 2026	Maintains	Overweight	$21.00 → $22.00	37%
Piper Sandler	Dec 22, 2025	Maintains	Overweight	$19.50 → $20.00	37%

The case for and against

Updated Jan 12, 2026

Bull case

Northpointe Bancshares, operating primarily through its wholly-owned banking subsidiary, has demonstrated a strong growth trajectory in its residential mortgage origination business, reflected in the expected increase in mortgage purchase program loan balances projected to range between $3.3 billion to $3.5 billion at year-end. Following its IPO earlier this year, the company reported solid second-quarter results, indicating robust performance in its warehouse lending portfolio. The ongoing success in both originating and servicing loans enhances Northpointe's competitive position within the mortgage market, supporting a favorable outlook for its stock.

Bear case

Northpointe Bancshares Inc operates primarily in the residential mortgage sector, relying heavily on the origination and sale of loans in the secondary market, which exposes the company to fluctuations in market conditions and investor demand. Additionally, the reliance on a network of investors for loan sales may lead to reduced liquidity and pressure on profit margins, especially during periods of rising interest rates or economic downturns. Furthermore, the mortgage advance program's success hinges on the performance of pre-approved mortgage bankers, implying potential risks related to credit quality and origination practices that could adversely impact the company's overall financial stability.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.