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NYSE · NPB · USD

Northpointe Bancshares

ACTIVE 9+ SIGNAL
INSIDER9+ SCORE MAP
SIGNAL SCORE9.4/ 10(Latest: 9.3 · 23/09/2026)9+ SIGNAL

One assessment, ten perspectives.

The final score is weighted; it is not the average of the axes.

NPB — 2026-09-02 — 9.4/10Insider Signal: 10/10; Price / Timing: 9.7/10; Fundamentals: 9.2/10; Growth: 9.2/10; Valuation: 9.6/10; Insider History: 10/10; Catalysts: 8.7/10; Risk: 7.7/10; Technical — Daily: 7.8/10; Technical — Monthly: 7.6/1001020304050607080910Insider Signal · 10.0Price / Timing · 9.7Fundamentals · 9.2Growth · 9.2Valuation · 9.6Insider History · 10.0Catalysts · 8.7Risk · 7.7Technical — Daily · 7.8Technical — Monthly · 7.6010
01Insider Signal
10.0
02Price / Timing
9.7
03Fundamentals
9.2
04Growth
9.2
05Valuation
9.6
06Insider History
10.0
07Catalysts
8.7
08Risk
7.7
09Technical — Daily
7.8
10Technical — Monthly
7.6

Risk: 10 means lower relative risk and greater resilience. Scores are methodological opinions as of the stated date.

COMPLETE RESEARCHInitial signal window ended · tracking until M6

REPORTED FACTS

Northpointe Bancshares is the holding company of Northpointe Bank, a US bank based in Michigan with a particular specialisation in the mortgage market. Its business combines a nationwide mortgage financing and acquisition programme, residential real-estate lending, digital deposits and deposit-custody services for servicing clients. The operation is highly digital and nationwide, serving customers in all 50 US states. It differs from traditional banks through its strong focus on mortgage financing and technology solutions aimed at both consumers and businesses in the sector.

REPORTED DATA AND ANALYSIS

The shares closed on 22 September at $15.91, around 5% below the opening reference and below the CEO’s purchases. This made valuation more compelling for the thesis: around 6.9x, around 6.2x and P/TBV around 0.92x. The latest quarter’s fundamentals remain solid, with no material break in the thesis. The daily chart has weakened and funding remains the main structural risk, but the insider signal, valuation and business remain exceptional. The current score stays at 9.3.

REPORTED DATA AND ANALYSIS
Insider / roleDateShares / unitsPriceAmountCode
Charles WilliamsChairman / CEO / >10% owner—85,000US$16.74US$1,422,900.00Not supplied

Reported total: US$2,750,000.00Single insider purchase

Charles Williams, Chairman, CEO and a shareholder owning over 10%, accumulated around $2.75 million, including 85,000 shares at $16.74.

REPORTED DATA AND ANALYSIS

The $15.91 close on 22 September is below the $16.74 reference and the CEO’s purchases.

REPORTED DATA AND ANALYSIS

Strong profits, loan and deposit growth, and healthy credit. The latest quarter’s fundamentals remain solid.

REPORTED DATA AND ANALYSIS

The original assessment highlighted loan and deposit growth. The growth rating moves from 9.2 to 9.0.

REPORTED DATA AND ANALYSIS

around 6.9x, around 6.2x and P/TBV around 0.92x at the review.

REPORTED DATA AND ANALYSIS

Open-market purchases accumulated over a few days; insider history scores 10.0 in both assessments.

REPORTED DATA AND ANALYSIS

Solid fundamentals and no material break in the thesis keep the catalyst rating at 8.7.

REPORTED DATA AND ANALYSIS

Funding remains the main structural risk; short-term technical weakness requires monitoring.

REPORTED DATA AND ANALYSIS

The daily chart has weakened: its rating falls from 7.8 to 6.0.

REPORTED DATA AND ANALYSIS

The monthly rating moves from 7.6 to 7.0, with no additional monthly technical levels supplied.

REPORTED FACTS

NPB · NYSE · USD. Ordinary share.

Official sources: Investor Relations · NPB ↗

ANALYSIS / INTERPRETATION

Update: NPB remains above 9 with a current score of 9.3/10. The shares trade below the CEO’s purchase price, valuation is even lower and fundamentals remain solid; the relevant penalties are weaker short-term technicals and funding risk.

Score history

HISTORY PRESERVED
DateAssessmentFinal scoreScore Map
02/09/2026Original 9+ signal9.4
23/09/2026ReviewUpdate: NPB remains above 9 with a current score of 9.3/10. The shares trade below the CEO’s purchase price, valuation is even lower and fundamentals remain solid; the relevant penalties are weaker short-term technicals and funding risk.9.3
ELAPSED TIME · NOT PERFORMANCE

Signal timeline

22 days elapsed
DAY 002 Sept 2026
US$16.89Signal: 9.4/10NYSE · NPB · USD

Closing price on 02 Sept 2026

DAY 0M1M2M3M4M5M6
M1Review scheduled

New complete assessment

M2Review scheduled

New complete assessment

M3Review scheduled

New complete assessment

M4Review scheduled

New complete assessment

M5Review scheduled

New complete assessment

M6Review scheduled

6 month final review

The green line tracks time only. Each review requires a new assessment; reaching a date does not change the score.

INSIDER9+ researches public insider transactions and the associated companies. It does not execute trades, manage client portfolios or guarantee returns. Scores reflect the assessment on the stated date and may change. Every investment decision belongs solely to the user and involves a risk of capital loss.

Ordinary share · NYSE · USD.

Potential conflict: the publisher may hold a position in this security. Specific disclosure pending confirmation.