Should I Buy NPB? NPB 2026 Analysis

Should You Buy Northpointe Bancshares Inc (NPB) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

17.520

1 Day change

0.75%

52 Week Range

19.480

Analysis Updated At

2026/01/30

Buy NPB now. Despite short-term technical softness, the stock is trading below near-term support (pre-market ~17.18 vs S1 ~17.38), while the broader trend structure remains bullish (SMA_5 > SMA_20 > SMA_200). Combined with strong Q4 growth (revenue +57% YoY, net income +108% YoY, EPS +100% YoY) and recent Wall Street target raises ($20–$22 with Overweight/Outperform), the risk/reward favors entering immediately for an impatient investor aiming to capture a likely rebound toward the pivot/resistance zone (~18.26 to ~19.14).

Technical Analysis

Price/levels: Pre-market 17.18 is below S1 (17.383) and well below the pivot (18.264), implying the stock is currently extended to the downside versus near-term reference levels. A rebound often targets the pivot first (18.26), then R1 (19.14). Trend: Moving averages are bullishly stacked (SMA_5 > SMA_20 > SMA_200), which supports a higher-level uptrend even if the very short-term is weak. Momentum: MACD histogram is negative (-0.0783) and expanding bearishly, signaling near-term downside pressure is still present. RSI_6 at ~39 is not oversold but is weak, consistent with a pullback phase rather than a strong up-leg. Pattern-based projection: Similar-candlestick analogs indicate a modest next-day bias (-1.47%) but stronger odds of gains over the next week (+8.44%) and next month (+3.65%), aligning with a dip-then-bounce setup. **Intellectia Proprietary Trading Signals** - [AI Stock Picker](module://ai_stock_pick): no signal on given stock today. - [SwingMax](module://swingmax): No signal on given stock recently.

Options Data

Positive Catalysts

growth: revenue +57.19% YoY, net income +107.96% YoY, EPS +100% YoY.
with reiterated Overweight/Outperform ratings, reinforcing positive institutional sentiment.

Neutral/Negative Catalysts

Near-term technical momentum is bearish: MACD negative and expanding; RSI weak (~39).
Price is currently below S1 support (17.383), which can invite additional short-term selling before a bounce.
No notable recent insider accumulation and hedge fund positioning described as neutral (no strong “smart money” tailwind evident).
No fresh news catalysts in the last week to force an immediate upside repricing.

Financial Performance

Latest quarter: 2025/Q4. Revenue rose to 62,935,000 (+57.19% YoY). Net income increased to 18,396,000 (+107.96% YoY). EPS increased to 0.52 (+100.00% YoY). Overall, results show accelerating profitability and strong YoY growth, consistent with an improving operating environment.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent trend: analysts have been raising price targets while maintaining bullish ratings. On 2025-12-22, Piper Sandler lifted the target to $20 (from $19.50) and reiterated Overweight, citing improving mortgage-finance conditions. On 2026-01-22, Keefe Bruyette raised the target to $22 (from $21) and reiterated Outperform. Wall Street pros: improving sector backdrop (rates/spreads), rising mortgage/refi activity, and strong recent earnings growth. Wall Street cons: the macro-driven mortgage cycle can be uneven and near-term technicals suggest the stock may need to stabilize before a clean breakout. Influential/politician activity: No recent congress trading data available; no specific politician/influential buying or selling indicated in the provided data.

2 Analyst Rating

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 20.5 USD with a low forecast of 20 USD and a high forecast of 21 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 Buy

0 Hold

0 Sell

Moderate Buy

Current: 17.390

Low

Averages

20.5

High

Current: 17.390

Low

Averages

20.5

High

Keefe Bruyette

NULL -> Outperform

maintain

$21 -> $22

AI Analysis

2026-01-22

Reason

Keefe Bruyette

Price Target

$21 -> $22

AI Analysis

2026-01-22

maintain

NULL -> Outperform

Reason

Keefe Bruyette raised the firm's price target on Northpointe to $22 from $21 and keeps an Outperform rating on the shares.

Piper Sandler

Overweight

maintain

$20

2025-12-22

Reason

Piper Sandler

Price Target

$20

2025-12-22

maintain

Overweight

Reason

Piper Sandler raised the firm's price target on Northpointe to $20 from $19.50 and keeps an Overweight rating on the shares. ahead of Q4 results for the firm's mortgage finance coverage. The sector backdrop has shifted positively, driven by 30-year rates falling to 6.2% from 7%-plus highs earlier in the year and material tightening in agency spreads. While the market has not yet fully "normalized," momentum is building, Piper argues. Mortgage application volumes are rising, led by an 18% sequential and 100%-plus year-over-year surge in refinance activity. Additionally, GSE reform is likely to return to the spotlight given the administration's push for a deal under President Trump and FHFA Director Bill Pulte, it adds.

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NPB Should I Buy

NPB Should I Buy

Should You Buy Northpointe Bancshares Inc (NPB) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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