Northpointe Bancshares (NPB)
Runs mortgage purchase facilities, residential lending, and digital deposits from a specialty bank model.
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Operates through Retail Banking and MPP, combining residential mortgage lending, AIO home-equity loans, digital deposits, servicing, and collateralized mortgage purchase facilities for independent mortgage bankers. The model is nationwide and mostly digital, with bank funding and mortgage sale-market access shaping execution.
Operates through Northpointe Bank, a Grand Rapids specialty bank built around two reportable segments: Retail Banking and MPP. Retail Banking covers residential mortgage lending, digital deposit banking, loan servicing, AIO home-equity loans, and other consumer and deposit products.
MPP provides collateralized mortgage purchase facilities to independent mortgage bankers nationwide, acting as an alternative to traditional mortgage warehouse lending. Delivery is primarily digital and national, supported by a centralized operating center in Grand Rapids and loan production offices across several states.
Founder Charles A. Williams still serves as chairman and chief executive. Execution depends on mortgage-origination volume, interest rates, deposit funding, mortgage sale-market access, technology systems, and bank regulation.
Company facts
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jul 2, 2026 | Piper Sandler | Reiterate | Overweight | $20 | $22 |
| Dec 22, 2025 | Piper Sandler | Reiterate | Overweight | $19.50 | $20 |
| Oct 27, 2025 | H.C. Wainwright | Target | $7 | ||
| Oct 8, 2025 | Piper Sandler | Reiterate | Overweight | $19.50 | |
| Oct 3, 2025 | Leerink Partners | Target | $9 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $543.2M · Total debt $1.63B · Total assets $7.53B · Shareholders' equity $611.6M
- Revenue
- $65.6M
- Operating income
- −$29.4M
- Net income
- $21.7M
To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 15, 2026 | Jul 15 | Aug 4 | $0.025 | |
| Apr 15, 2026 | Apr 15 | May 5 | $0.025 | |
| Jan 15, 2026 | Jan 15 | Feb 3 | $0.025 | |
| Oct 15, 2025 | Oct 15 | Nov 3 | $0.025 | |
| Jul 15, 2025 | Jul 15 | Aug 4 | $0.025 | |
| Apr 15, 2025 | Apr 15 | May 2 | $0.025 |
| Institutions115 holders · as of Mar 31, 2026 · largest filers plus last quarter's tail | ≈ 64.55% | 22.32M shares | |
| Insiders12 holders · as of Sep 2, 2026 | 27.95% | 9.67M shares | |
| Strategic holders2 holders · as of Jul 13, 2026 | 15.66% | 5.42M shares | |
| Adds to | 108.16% |
34.58M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
These groups come from separate filings that can overlap, so they add to 108.16%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Wellington Management Group LLPInstitution | 13.04% | 4.51M | 13Fas of Mar 31, 2026 |
Castle Creek Capital Partners VII, LPInstitution | 9.50% | 3.28M | 13Gfiled Feb 13, 2026 ↗ |
Second Rewritten Trust Indenture of John S SimoniStrategic | 8.86% | 3.06M | 13Gfiled Jul 13, 2026 ↗ |
Adage Capital Partners GP, L.L.C.Institution | 7.52% | 2.60M | 13Fas of Mar 31, 2026 |
Adage Capital Management, L.P.Institution | 7.52% | 2.60M | 13Gfiled May 13, 2026 ↗ |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 1, 2026 | Charles Alan Williams | director, 10 percent owner, officer: CHAIRMAN & CEO | +85,000 | $16.74 |
| Aug 26, 2026 | Charles Alan Williams | director, 10 percent owner, officer: CHAIRMAN & CEO | +48,312 | $16.95 |
| Aug 25, 2026 | Charles Alan Williams | director, 10 percent owner, officer: CHAIRMAN & CEO | +30,000 | $16.95 |
| Aug 14, 2026 | David Stevens Hooker | director | −772 | $17.50 |
| Aug 13, 2026 | David Stevens Hooker | director | −363 | $17.53 |
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ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Northpointe Bancshares | $16.97 | +0.47% | $582.6M | 7.3 | 6.5 | 1.3 | +9.1% |
| Rocket Companies | $13.61 | +0.44% | $38.29B | 92.9 | 18.7 | 4.0 | +113.7% |
| Western Alliance | $77.92 | −1.59% | $8.64B | 8.9 | 7.6 | 1.7 | +17.7% |
| UWM | $1.46 | −0.68% | $2.20B | — | 5.2 | 0.7 | −79.3% |
| PennyMac Financial Services | $72.18 | −0.01% | $3.75B | 9.9 | 8.5 | 0.7 | −52.2% |
| Rithm Capital | $10.08 | +0.55% | $5.60B | 16.7 | 4.5 | 1.0 | +205.4% |
| loanDepot | $0.9297 | +3.06% | $302.3M | — | 49.2 | 0.2 | +19.4% |
| SoFi | $17.75 | −0.53% | $22.88B | 37.2 | 24.2 | 4.1 | +41.0% |
| Ally Financial | $43.00 | +0.79% | $12.98B | 10.1 | 7.1 | 0.8 | −0.3% |
| Median | 13.4 | 8.1 | 0.9 | +18.6% |