Stock fact sheet · data as of
Northpointe Bancshares, Inc. (NPB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is NPB undervalued?
Northpointe Bancshares, Inc. (NPB) closed at 15.62 on 16 Oct 2026. The GLS average fair value - the simple average of the 8 valuation models that produced a positive number - is 47.93, which puts the price 67% below it. 7 of the 8 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
The 8 models disagree widely: DDM gives 1.54 while Payback Time gives 88.23. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files NPB under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for NPB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 32.00 | +105% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 63.75 | +308% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 21.62 | +38% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 73.49 | +370% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 74.13 | +375% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 88.23 | +465% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 1.54 | -90% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 28.71 | +84% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -172.27 | -1203% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 22.00 | +41% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: NPB passes 4 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 5.3 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are thin or negative - ROIC 4.0%, ROE 14.7%, ROA 1.2% - with debt at 2.70 times equity and a free-cash-flow yield of 18.2%. Debt of 2.70 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.
The dividend yield is 0.67% with a payout ratio of 7% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Licensing and Collaboration 61%, Supply Of Investigational Products 39% (fiscal year FY2023).
Institutional ownership scores 8/10, insider activity 8/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 4.0% |
|---|---|---|---|
| GLS Moat | 5.3 / 10 | ROE | 14.7% |
| Debt / equity | 2.70 | ROA | 1.2% |
| Free-cash-flow yield | 18.2% | Payout ratio | 7% |
| Institutions | 8 / 10 | Insiders · Congress | 8 · 5 / 10 |
Wheel Score 39: No options
NPB has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 210k shares a day on a market cap of $540M, with a beta of 0.06 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 9 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 67% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 8 / 15 | moat 5.3/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 9 / 20 | 210k shares/day, $540M cap, beta 0.06 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Northpointe Bancshares, Inc. reports earnings on 20 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Northpointe Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CWBC Community West Bancshares | 25.77 | 46.09 | +44% | 70Good | $543M |
| NRIM Northrim BanCorp, Inc. | 24.43 | 82.21 | +70% | 76Good | $543M |
| UNTY Unity Bancorp, Inc. | 54.53 | 73.48 | +26% | 69Good | $548M |
| BSVN Bank7 Corp. | 55.49 | 109.57 | +49% | 39No options | $529M |
| CIVB Civista Bancshares, Inc. | 26.85 | 37.06 | +28% | 71Good | $558M |
| SFST Southern First Bancshares, Inc. | 59.22 | 74.22 | +20% | 69Good | $561M |
| BWFG Bankwell Financial Group, Inc. | 65.17 | 98.46 | +34% | 39No options | $520M |
| HBCP Home Bancorp, Inc. | 65.87 | 90.49 | +27% | 80Prime | $518M |
| FFMR First Farmers Financial Corporation | 37.25 | 61.90 | +40% | 39No options | $517M |
| BWB Bridgewater Bancshares, Inc. | 20.37 | 25.80 | +21% | 65Good | $568M |
| KRNY Kearny Financial Corp. | 9.01 | 18.53 | +51% | 77Good | $569M |
| BSRR Sierra Bancorp | 39.15 | 50.19 | +22% | 76Good | $508M |
⚖ Compare NPB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about NPB
Is NPB undervalued right now?
By the GLS models, yes: at 15.62 the stock is 67% below the average fair value of 47.93 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of NPB and what does it mean?
NPB has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for NPB?
47.93 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Northpointe Bancshares, Inc. report earnings next?
The next earnings report is due on 20 Oct 2026 (after the close), 4 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does NPB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on NPB, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.