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Northpointe Bancshares Inc. (NPB) — RQD Stock Rating Cockpit

$15.89 +0.63% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $15.88

Northpointe Bancshares Inc. (NPB) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $549.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NPB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NPB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Northpointe Bancshares Inc. (NYSE: NPB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $15.89 (+0.63% 1D, market cap $549.5M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, NPB ranks #463 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NPB compare to BSRR and COFS in the Financials sector?
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Within the Financials sector (Major Banks), NPB carries a Roarable D+ (58/100 RQD), trailing P/E of 6.7x, gross margin of —, and ROIC of 14.7%. By comparison, BSRR (Sierra Bancorp) holds a C grade (64/100 RQD, P/E 13.0x, ROIC 11.6%, cap $553.1M) and COFS (ChoiceOne Financial Services Inc.) posts a C grade (64/100 RQD, P/E 18.6x, ROIC 6.1%, cap $542.9M). Among the 5-stock peer group, NPB leads on earnings multiple (6.7x) while BSVN leads on capital efficiency (17.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NPB?
▼

Per NPB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001336706), Northpointe Bancshares Inc. generated $2.95B in revenue (+34.4% YoY), $83.4M in net income, and $41.5M in free cash flow against $7.02B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $15.88 (-0.08%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 1.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510058
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk D+
Cash (13)Whales (7)SEC (13)Macro (8)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+0% Base Target
$21 Bull$16 Base$12 Bear
📬 FREE NPB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NPB)Realized 20D OHLCV Swing Band: ±7.2%
Deterministic 5-Pillar Attribution (58/100 Composite)
🔍 WHY NPB SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 1.4% FCF Margin ($41.5M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
50
Grade C-$15.54-2.6% Next Q
Q2 (-2Q)
53
Grade C-$15.13+7% Next Q
Q3 (-1Q)
55
Grade C$16.19-1.9% Next Q
Current
58
Grade D+$15.89+0% Hist 90D α
Trajectory: C- (50) → D+ (58)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NPB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, NPB faces multiple-compression risk if 6.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($16.04) or 200D SMA ($17.31) invalidates the momentum regime and cuts Target Base ($15.89) toward Bear Floor ($12.39).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NPB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “NPB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 58%NO 42%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
51.430 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
4 / 99-Pt Accounting
52-WEEK LASER RANGE35% OF RANGE
L: $14$15.89H: $20
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on NPB

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (65)

14.7% ROIC with 42.0% gross margin and 7.42% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (53)

24/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like NPB
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NPB)

  • ✓Walkthrough of NPB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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NPB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -9.51%▼ DESCENDING CHANNEL
2026-11-04O $15.79H $15.89L $15.79C $15.89VOL 213.5K
RES: $16.58SUP: $13.51SMA50: $16.04SMA200: $17.31
$20.12$18.41$16.70$14.98$13.27RES $16.58SUP $13.51$15.892026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NPB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NPB Butterfly Map → + Track NPB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-8.8%/yr Implied 5Y Growth

vs. +34.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NPB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NPB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NPB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NPB)

Financials Rank #463 of 1097 ⚔️ BSRR vs NPB Full Matrix →

1. Head-to-Head Financials Peer Comparison (NPB vs. BSRR, COFS, BSVN, OBT)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Northpointe Bancshares Inc. (NPB) ranks #463 by composite RQD confidence (58/100, grade D+) and #678 by equity capitalization ($549.5M). Within this direct 5-issuer industry benchmark cohort, NPB leads on earnings valuation at 6.7x trailing P/E, while BSVN leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. BSVN currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with NPB at 58/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
NPB ACTIVE
Northpointe Bancshares Inc.
D+ 58/100 6.7x — 14.7% +0.63% $549.5M Benchmark Subject
BSRR
Sierra Bancorp
C 64/100 13.0x — 11.6% +2.47% $553.1M /bsrr-vs-npb →
COFS
ChoiceOne Financial Services Inc.
C 64/100 18.6x — 6.1% +2.40% $542.9M /cofs-vs-npb →
BSVN
Bank7 Corp.
B- 71/100 13.1x — 17.2% +0.02% $558.6M /bsvn-vs-npb →
OBT
Orange County Bancorp Inc.
C+ 69/100 12.4x — 14.6% +3.67% $537.8M /obt-vs-npb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001336706 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Northpointe Bancshares Inc. (NPB) reported GAAP revenue of $2.95B (+34.4% vs. FY2024 revenue of $2.19B , and +54.0% cumulative change since FY2023) , GAAP net income of $83.4M, operating cash flow of $44.3M, and free cash flow of $41.5M (+121.4% YoY). On the balance sheet, NPB closed FY2025 with $7.02B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.95B $83.4M $44.3M $41.5M $7.02B —
FY2024 (FY) 2024-12-31 $2.19B $55.2M $19.8M $18.8M $5.22B —
FY2023 (FY) 2023-12-31 $1.92B $33.8M $504.2M $504.2M — —

3. NPB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NPB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Northpointe Bancshares Inc. (NYSE: NPB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $15.89 (+0.63% 1D, market cap $549.5M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, NPB ranks #463 in composite RQD confidence.

How does NPB compare to BSRR and COFS in the Financials sector?

Within the Financials sector (Major Banks), NPB carries a Roarable D+ (58/100 RQD), trailing P/E of 6.7x, gross margin of —, and ROIC of 14.7%. By comparison, BSRR (Sierra Bancorp) holds a C grade (64/100 RQD, P/E 13.0x, ROIC 11.6%, cap $553.1M) and COFS (ChoiceOne Financial Services Inc.) posts a C grade (64/100 RQD, P/E 18.6x, ROIC 6.1%, cap $542.9M). Among the 5-stock peer group, NPB leads on earnings multiple (6.7x) while BSVN leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NPB?

Per NPB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001336706), Northpointe Bancshares Inc. generated $2.95B in revenue (+34.4% YoY), $83.4M in net income, and $41.5M in free cash flow against $7.02B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NPB trading relative to its 50-day, 200-day, and 52-week technical levels?

NPB last traded at $15.89 (+0.63% on volume of 213,490 shares), positioning the stock -0.94% below its 50-day simple moving average ($16.04) and -8.20% below its 200-day simple moving average ($17.31). Across its 52-week range of $13.80 to $19.71, NPB sits at the 35.4% percentile with a 14-day RSI of 51.4 (NEUTRAL RANGE) and an implied next-earnings move of ±7.2% ($14.75 to $17.03).

Direct Sub-Reports: NPB RQD Cockpit NPB 12M Forecast NPB Earnings & Move NPB Dividends & DRIP NPB Insiders & 13F NPB Whale Options NPB Profit Sankey NPB News & Why
ROARABLE RATING BRIEF • RQD 58/100 (D+) ✓ SEC XBRL & RQD VERIFIED

NPB — Northpointe Bancshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Northpointe Bancshares Inc. (NPB) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $15.89 (+0.63% 1D, market capitalization $549.5M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 14.7%, gross margin of —, operating margin of —, and free cash flow yield of 7.42%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Northpointe Bancshares Inc. Is a NYSE-listed issuer in the Financials sector, operating in the Major Banks industry. It carries a market capitalization of $0.6B. Per the recent news wire, the company has exited retail mortgage origination.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Northpointe Bancshares Inc. (NPB) reported $2.95B in annual revenue (up from $2.19B in FY2024, +34.4% YoY) and $83.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.92B revenue, $33.8M net income) through FY2025, NPB scaled operating cash flow to $44.3M and free cash flow to $41.5M, backed by $7.02B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 58/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.42% and institutional whale pillar of 7/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $13.80 – $19.71 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 6.7x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), NPB carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can NPB sustain or expand its — operating margin and 14.7% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.95B and free cash flow of $41.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is NPB's 6.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

NPB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Northpointe Bancshares Inc. (NPB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NPB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NPB Bull vs. Bear Conversation Board — What's Your Call at $15.89?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NPB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on NPB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $19.58 (+24.0%)
📌 Pinned Debate

Insider conviction scores 17 of 20 on SEC Form 4 and Congressional PTR cluster flow, the strongest pillar in the rating, alongside a 14

Here is why I am bullish on NPB here at $15.79: Insider conviction scores 17 of 20 on SEC Form 4 and Congressional PTR cluster flow, the strongest pillar in the rating, alongside a 14.7% ROIC and a 7.42% FCF yield.. Compare NPB's 0.0% operating margin and 14.7% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $15.00 are getting bought.

RetailWhale_TX 🐂 BULL

@ForensicBear Shorting a 7/20 institutional whale-flow stock at $15.79 is dangerous when funds are rotating into Financials.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $13.26 (-16.0%)
Spot @ $15.79

Macro regime fit scores only 8 of 20 with beta at 1.0, and the news wire carries RED risk-watch items on the Q3 earnings miss and the r

Sitting on the sidelines or leaning short NPB above $15.79. Macro regime fit scores only 8 of 20 with beta at 1.0, and the news wire carries RED risk-watch items on the Q3 earnings miss and the retail mortgage exit.. Until Fundamental Cash Engine (13/20) and FCF yield (7.42%) inflect higher, upside is capped near $19.71.

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