Northpointe Bancshares, Inc. (NPB): fair value, margin of safety and Wheel Score

Is NPB undervalued?

Northpointe Bancshares, Inc. (NPB) closed at 16.14 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 22.11, so the price sits 27% below it. 5 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.

The 9 models disagree widely: DDM gives 1.54 while Graham Growth gives 72.72. 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 Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.

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.

Quality and financial health

Financial health is weak: NPB passes 3 of the nine Piotroski tests. Our scans drop the stock at the health filter; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 6.0 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on 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 1.6%. 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 0.65% with a payout ratio of 4% - 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; the last recorded insider buy was on 28 Oct 2026.

Wheel Score 29: 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. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (29 here). The valuation and quality numbers still apply to owning the shares outright.

Volume runs at 253k shares a day on a market cap of $558M, 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 rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

The next earnings report is due on 19 Jan 2027, 75 days away - outside the window of a 30-45-day put sold today.

No analyst upgrades or downgrades were recorded in the last 30 days.

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.

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