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An announcement from Northpointe Bancshares, Inc. ( (NPB) ) is now available.
On December 9, 2025, Northpointe Bancshares, Inc. completed a private placement of $70 million in 7.50% Fixed-to-Floating Rate Subordinated Notes due 2035. The proceeds will be used to redeem its existing 8.25% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series A, effective December 30, 2025. The Notes, structured to qualify as Tier 2 capital, are initially fixed at 7.50% interest until December 15, 2030, after which they will switch to a floating rate tied to the Three-Month Term Secured Overnight Financing Rate plus 424 basis points. This strategic move is expected to optimize Northpointe’s capital structure and potentially enhance its financial flexibility.
The most recent analyst rating on (NPB) stock is a Buy with a $21.00 price target. To see the full list of analyst forecasts on Northpointe Bancshares, Inc. stock, see the NPB Stock Forecast page.
Spark’s Take on NPB Stock
According to Spark, TipRanks’ AI Analyst, NPB is a Outperform.
Northpointe Bancshares, Inc. receives a solid score due to strong earnings call performance and attractive valuation metrics. However, financial performance is hindered by high leverage and declining cash flow, while technical indicators suggest a bearish trend. The positive sentiment from the earnings call and undervaluation are significant strengths, but financial and technical challenges temper the overall score.
To see Spark’s full report on NPB stock, click here.
More about Northpointe Bancshares, Inc.
Headquartered in Grand Rapids, Michigan, Northpointe Bancshares, Inc. is the holding company of Northpointe Bank, which provides home loans and retail banking products across the nation. The company aims to be a leading bank in America by delivering value and innovation to its clients.
Average Trading Volume: 145,093
Technical Sentiment Signal: Strong Buy
Current Market Cap: $603.1M
Learn more about NPB stock on TipRanks’ Stock Analysis page.