MARKET WIRECNBC • 2h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
Why NPB Stock slipped -0.06% Today — RQD Quant Desk Flash
$16.18 -0.06% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $16.15
Northpointe Bancshares Inc. (NPB) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
ROARABLE C • HOLD / WATCH
Cap $559.5M
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $16.15 (-0.20%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 1% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERHOLD / WATCH • C
JEV AI Jury 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 SNOWFLAKE RADARRw C · Rk C
Each axis scored 0–20
12M PRICE TARGET CONE+2.2% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NPB)Realized 20D OHLCV Swing Band: ±7.6%
Deterministic 5-Pillar Attribution (63/100 Composite)
🔍 WHY NPB SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% 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 (21% of score)
SEC XBRL FY 2025 (10-K): 1% FCF Margin ($41.5M FCF) & 52% Gross Margin
▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C$15.84-2% Next Q
55
Q2 (-2Q)Grade C$15.52-0.5% Next Q
58
Q3 (-1Q)Grade C$15.44+4.8% Next Q
60
CurrentGrade C$16.18+0.9% Hist 90D α
63
Trajectory: C (55) → C (63)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
Even with a 63/100 (C) 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
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ 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 ($16.10) or 200D SMA ($17.35) invalidates the momentum regime and cuts Target Base ($16.54) toward Bear Floor ($12.90).
🎲 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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why NPB Stock slipped -0.06% Today — RQD Quant Desk Flash
Northpointe Bancshares Inc. (NPB) slipped -0.06% to $16.18, trading at 40% of its 52-week range ($13.8 – $19.71). Solid steady margins (15% return on capital), mixed timing at 7x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 40% of its 52-week range ($13.8 – $19.71) with RSI-14 at 50.4 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±7.6% around $16.18 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $41.5M annual free cash flow.
Live NPB Headlines & Catalysts
MARKET WIRECNBC • 3h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 4h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 5h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 6h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
CATALYSTReuters • 7h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 7h ago
OPEC+ keeps December oil output targets steady ahead of tougher call for 2027 - ReutersOPEC+ keeps December oil output targets steady ahead of tougher call for 2027 Reuters
MARKET WIREReuters • 7h ago
German ministers pledge tough action after rioters damage stores in Frankfurt - ReutersGerman ministers pledge tough action after rioters damage stores in Frankfurt Reuters
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (NPB Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
NPB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -9.25%▲ RESISTANCE BREAKOUT
2026-10-30O $16.28H $16.53L $15.73C $16.18VOL 204.7K
RES: $15.91SUP: $13.60SMA50: $16.10SMA200: $17.35
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
NPB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
-8.8%/yr Implied 5Y Growth
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
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 #395 of 1096
⚔️ BWFG vs NPB Full Matrix →
1. Head-to-Head Financials Peer Comparison (NPB vs. BWFG, BSVN, BWB, BSRR)
Industry: Major Banks (248 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Northpointe Bancshares Inc. (NPB) ranks #395 by composite RQD confidence (63/100, grade C) and #680 by equity capitalization ($559.5M). 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 70/100 (B-) compared with NPB at 63/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| NPB
ACTIVE
Northpointe Bancshares Inc. | C | 63/100 | 6.7x | — | 14.7% | -0.06% | $559.5M | Benchmark Subject |
| BWFG Bankwell Financial Group Inc. | C+ | 67/100 | 15.8x | — | 11.7% | +4.13% | $555.2M | /bwfg-vs-npb → |
| BSVN Bank7 Corp. | B- | 70/100 | 13.1x | — | 17.2% | +0.46% | $564.9M | /bsvn-vs-npb → |
| BWB Bridgewater Bancshares Inc. | D+ | 53/100 | 12.3x | — | 8.9% | -0.24% | $567.2M | /bwb-vs-npb → |
| BSRR Sierra Bancorp | C | 65/100 | 13.0x | — | 11.6% | +0.21% | $550.2M | /bsrr-vs-npb → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001336706In its most recent audited fiscal period (FY2025, filed 2025-12-31), Northpointe Bancshares Inc. (NPB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , 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 | $0 | $83.4M | $44.3M | $41.5M | $7.02B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $55.2M | $19.8M | $18.8M | $5.22B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $33.8M | $504.2M | $504.2M | — | — |
3. NPB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs NPB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, Northpointe Bancshares Inc. (NYSE: NPB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $16.18 (-0.06% 1D, market cap $559.5M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, NPB ranks #395 in composite RQD confidence.
How does NPB compare to BWFG and BSVN in the Financials sector?
Within the Financials sector (Major Banks), NPB carries a Roarable C (63/100 RQD), trailing P/E of 6.7x, gross margin of —, and ROIC of 14.7%. By comparison, BWFG (Bankwell Financial Group Inc.) holds a C+ grade (67/100 RQD, P/E 15.8x, ROIC 11.7%, cap $555.2M) and BSVN (Bank7 Corp.) posts a B- grade (70/100 RQD, P/E 13.1x, ROIC 17.2%, cap $564.9M). 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 $0 in revenue, $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: Broader market pullbacks can still drag down strong stocks in the short run.. 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 $16.18 (-0.06% on volume of 345,442 shares), positioning the stock +0.50% above its 50-day simple moving average ($16.10) and -6.74% below its 200-day simple moving average ($17.35). Across its 52-week range of $13.80 to $19.71, NPB sits at the 40.3% percentile with a 14-day RSI of 50.4 (NEUTRAL RANGE) and an implied next-earnings move of ±7.6% ($14.95 to $17.41).
NPB Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is NPB stock moving today?
Why NPB Stock slipped -0.06% Today — RQD Quant Desk Flash. Solid steady margins (15% return on capital), mixed timing at 7x P/E—hold if owned, no rush to chase.