Northpointe Bancshares Inc. Common Stock (NPB)

FairStock Score: 81/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Northpointe Bancshares as a small regional bank, not a glamorous franchise. It gathers digital deposits and retail banking accounts, then lends through home loans and a mortgage purchase program. The filed numbers show real momentum: net income rose from $33.8 million in FY2023 to $55.2 million in FY2024 and $83.4 million in FY2025. Diluted EPS over those years went from $0.93 to $1.83 to $2.11. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $21.7 million and diluted EPS $0.60, up from $20.3 million and $0.51 in fiscal Q2 2025, though slightly below fiscal Q1 2026's $22.2 million and $0.62. FairStock's return on equity is 14.76%, a respectable bank number. At the 2026-10-13 close of $15.82, FairStock's P/E is 6.82 and P/B is 0.89, so the market is not paying much for those earnings or book value. FairStock's PEG of 0.24 and Lynch category of STALWART, based on profit growing 57.2% a year over two years, suggest growth has outrun the multiple. But I am cautious: Piotroski F-Score is only 3/9, and bank analysis needs credit and capital detail. The data lacks CET1, net interest margin, nonperforming loans, reserves, deposit costs and efficiency ratio. Without them, I cannot judge underwriting risk or balance-sheet strength. A low price-to-book bank can be a bargain or a warning. This one has a strong profit record and cheap-looking valuation, but mortgage cyclicality and unseen credit risk keep me from calling it a sure thing.

In plain English: Northpointe Bancshares is a small U.S. bank that takes deposits and makes loans, including home loans and a mortgage purchase program. Its profits have grown steadily, and it earns a solid return, though the latest quarter was a little lower than the prior one. The stock price looks low compared with the company's profits and net worth, but important safety details about its loans and capital are not in the data.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer