Northpointe Bancshares, Inc. (NPB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Northpointe Bancshares, Inc. stock (NPB) is currently trading at $17.00. Northpointe Bancshares, Inc. PE ratio is 7.90. Northpointe Bancshares, Inc. PS ratio (Price-to-Sales) is 2.39. Analyst consensus price target for NPB is $21.50. WallStSmart rates NPB as Buy.
- NPB PE ratio analysis and historical PE chart
- NPB PS ratio (Price-to-Sales) history and trend
- NPB intrinsic value — DCF, Graham Number, EPV models
- NPB stock price prediction 2025 2026 2027 2028 2029 2030
- NPB fair value vs current price
- NPB insider transactions and insider buying
- Is NPB undervalued or overvalued?
- Northpointe Bancshares, Inc. financial analysis — revenue, earnings, cash flow
- NPB Piotroski F-Score and Altman Z-Score
- NPB analyst price target and Smart Rating
Northpointe Bancshares, Inc.
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NPB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Northpointe Bancshares, Inc. (NPB)
NPB trades at a significant discount to its Graham intrinsic value of $98.75, offering a 83% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Northpointe Bancshares, Inc. (NPB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Northpointe Bancshares, Inc. (NPB) Key Strengths (7)
Keeps $49 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 55.10% year-over-year
Earnings per share surging 52.70% year-over-year
Keeps $35 of every $100 in revenue as net profit
60.21% held by institutions, strong professional interest
Solid profitability: $16 profit per $100 equity
Supporting Valuation Data
Northpointe Bancshares, Inc. (NPB) Areas to Watch (2)
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.39x sales
Supporting Valuation Data
Northpointe Bancshares, Inc. (NPB) Detailed Analysis Report
Overall Assessment
This company scores 77/100 in our Smart Analysis, earning a B+ grade. Out of 9 metrics analyzed, 7 register as strengths (avg 9.3/10) while 2 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including Price/Book (0.99) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 16.20%, Operating Margin at 48.60%, Profit Margin at 34.80%. Growth metrics are encouraging with Revenue Growth at 55.10%, EPS Growth at 52.70%.
The Bear Case
The primary concerns are Market Cap, Price/Sales. Some valuation metrics including Price/Sales (2.39) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 16.20% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 55.10% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NPB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NPB's Price-to-Sales ratio of 2.39x trades at a 35% premium to its historical average of 1.77x (65th percentile). The current valuation is 9% below its historical high of 2.63x set in Mar 2026, and 106% above its historical low of 1.16x in May 2025. Over the past 12 months, the PS ratio has expanded from ~1.3x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Northpointe Bancshares, Inc. (NPB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Northpointe Bancshares, Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 240M with 55% growth year-over-year. Profit margins are strong at 34.8%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 55% YoY, reaching 240M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1620.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Northpointe Bancshares, Inc. maintain 55%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Northpointe Bancshares, Inc..
Bottom Line
Northpointe Bancshares, Inc. offers an attractive blend of growth (55% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Northpointe Bancshares, Inc.(NPB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Northpointe Bancshares, Inc. is the bank holding company for Northpointe Bank provides various banking products and services. The company is headquartered in Grand Rapids, Michigan.