Northpointe Bancshares, Inc. (NPB)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$17.28+0.41%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · NPB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -27.5% |
| Our one-year growth estimate | diamond | -25.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 2.1 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
NPB — earnings miss
Dated 2026-07-21
and 7.01, including the information incorporated herein from Exhibits 99.1 and 99.2, is furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.
Why it matters: A lower net interest margin means less profit. It may also show pricing pressures.
Worry ifNet interest margin drops below 2.30% in the next quarter.
Less concerning ifNet interest margin stays the same or goes above 2.33% next quarter.
Why it matters: A drop in net income may show problems with making money and growing.
Worry ifQ3 net income reported below $21 million.
Less concerning ifQ3 net income reported above $21 million.
Why it matters: Keeping the dividend shows financial strength and a promise to give value to shareholders.
Supportive ifThe company declares a quarterly cash dividend of $0.025 per share.
Worry ifThe company cuts or skips the quarterly cash dividend.
Why it matters: Keeping the dividend shows good financial health. It also shows commitment to shareholders.
Supportive ifThe company declares a quarterly cash dividend of $0.025 per share in Q3.
Worry ifThe company cuts the quarterly cash dividend below $0.025 per share in Q3.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$93 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $355 loss on $10,000 · 3.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,527 loss on $10,000 · 15.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Keeping the dividend shows good money management. It shows care for shareholders.
Supportive ifDividend per share remains at $0.025 in the next quarterly report.
Worry ifDividend per share is cut or not maintained at $0.025.
Why it matters: Net income growth means the company is making more money. This can help investors feel good.
Supportive ifNet income for Q2 2026 is higher than $22.15 million from Q1 2026.
Worry ifNet income for Q2 2026 is lower than or equal to $22.15 million.
Why it matters: A rise in net charge-offs may show problems with asset quality and risk.
Worry ifNet charge-offs are above $1 million.
Less concerning ifNet charge-offs are below $1 million.
Why it matters: A drop below median growth in the financial sector could signal broader issues affecting NPB.
Worry ifSector revenue growth reported below its median of 15%.
Less concerning ifSector revenue growth remains above its median of 15%.
Why it matters: More non-performing assets can mean higher credit risk. This also shows lower asset quality.
Worry ifNon-performing assets increase by more than $4 million in the next quarter.
Less concerning ifNon-performing assets decrease or remain stable in the next quarter.
Why it matters: Stable operating income helps long-term growth. It shows the company is doing well.
Supportive ifOperating income was at least $29.43 million.
Worry ifOperating income was below $26.65 million. This shows more decline.
Why it matters: Slower deposit growth may mean customers are less confident. This can affect funding.
Worry ifTotal deposits grow less than 10% annualized in the next quarter.
Less concerning ifTotal deposits grow at or above 15% annualized in the next quarter.
Why it matters: Slowing growth in MPP could indicate weakening demand or market share loss.
Worry ifMPP growth is below 5% each year.
Less concerning ifMPP growth is above 5% each year.