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Northpointe Bancshares, Inc. ( (NPB) ) has provided an update.
On January 20, 2026, Northpointe Bancshares reported that in its first full year as a public company it delivered significantly stronger earnings and robust balance sheet expansion for the quarter and year ended December 31, 2025, supported by net income to common stockholders of $18.4 million for the fourth quarter and $71.6 million for the full year, both up sharply from 2024 despite a modest sequential decline tied to preferred stock redemption costs. The bank’s performance was driven by rapid growth in its Mortgage Purchase Program and All-in-One home equity products, improved net interest margin as funding costs fell, higher net gain on sale of loans, and successful deposit-gathering and capital management initiatives—including a new digital deposit channel, subordinated debt issuance, preferred stock redemption, and a regular cash dividend—collectively strengthening profitability metrics and reinforcing its competitive position in mortgage-centric banking.
The most recent analyst rating on (NPB) stock is a Hold with a $19.50 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.
The score is driven by attractive valuation (low P/E and high dividend yield) and a positive earnings outlook supported by strong program/deposit growth, partially offset by weaker financial quality signals (high leverage and sharply lower free cash flow) and softer near-term technical momentum.
To see Spark’s full report on NPB stock, click here.
More about Northpointe Bancshares, Inc.
Northpointe Bancshares, Inc., the holding company for Northpointe Bank and listed on the NYSE, operates in the banking and mortgage finance industry, with a strong focus on its Mortgage Purchase Program and residential lending. The company emphasizes specialized products such as first-lien home equity lines linked to deposit sweep accounts, branded as “All-in-One” loans, and targets growth in mortgage originations, loan sales and related fee income across its national lending channels.
Average Trading Volume: 288,667
Technical Sentiment Signal: Strong Buy
Current Market Cap: $645.7M
See more insights into NPB stock on TipRanks’ Stock Analysis page.