Northpointe Bancshares (NPB) Q4 2025 Assets Surge to $7 Billion
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Source: seekingalpha
- Significant Asset Growth: Northpointe Bancshares has increased its total assets from $5.2 billion to over $7 billion since its IPO, primarily driven by strong performance in its Mortgage Purchase Program (MPP), showcasing the company's expansion capabilities in the market.
- Enhanced Profitability: Earnings per diluted share rose 15% to $2.11 in 2025, reflecting sustained growth across key business lines and robust financial performance, which bolsters investor confidence in future results.
- Strong Mortgage Business: Residential mortgage originations increased by 20% to $2.5 billion in 2025, with MPP balances up over $1.7 billion year-over-year, indicating the company's competitiveness and market share growth in the mortgage sector.
- Optimistic Outlook: The net interest margin is projected to range between 2.45% and 2.55% in 2026, with MPP loan balances expected to reach between $4.1 billion and $4.3 billion, demonstrating the company's confidence in future growth and effective strategic planning.
Analyst Views on NPB
Wall Street analysts forecast NPB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NPB is 20.50 USD with a low forecast of 20.00 USD and a high forecast of 21.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 18.060
Low
20.00
Averages
20.50
High
21.00
Current: 18.060
Low
20.00
Averages
20.50
High
21.00
About NPB
Northpointe Bancshares, Inc. is the holding company of Northpointe Bank, a client-focused company that provides home loans and retail banking products to communities across the nation. Its segments include Retail Banking and MPP. The MPP segment provides a collateralized mortgage purchase facility marketed to independent mortgage bankers nationwide. The Retail Banking segment provides a range of financial products and services to consumers nationwide. These include residential mortgages, all-in-one (AIO) equity loans, other consumer loans, and loan servicing, as well as various types of deposit products, including checking, savings and time deposit accounts. Its residential lending business provides a comprehensive range of financing options nationwide through two main channels: consumer direct and traditional retail. These channels combine the convenience of online, self-service platforms with the personalized service of an experienced residential mortgage loan officer.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
