Not a good buy right now for an impatient investor: short-term momentum is bearish and near-term pattern stats skew negative (next week/month).
If already holding, fundamentals and analyst stance support staying in the name, but the current tape doesn’t favor chasing today.
Best risk/reward would be after momentum stabilizes (MACD/price action improves) or on a confirmed bounce off support; current setup is still vulnerable to further downside.
Technical Analysis
Trend/Momentum: Bearish short-term momentum. MACD histogram (-0.117) is below zero and negatively expanding, indicating downside pressure is increasing.
RSI: RSI(6) ~34.9 (low/near-oversold). This can precede a bounce, but it’s not a buy signal on its own while MACD is worsening.
Moving averages: Converging MAs = no clear trend confirmation; combined with negative MACD, this leans “weak/rolling over” rather than “base completed.”
Key levels: Price 17.15 is sitting just above S1 17.11 (immediate support). A clean break below S1 opens room toward S2 16.664. Upside resistance sits at Pivot 17.832 then R1 18.554.
Pattern-based forward odds: Modeled path tilts negative beyond 1 day (next week -4.2%, next month -3.19%), which argues against buying immediately.
Wall Street “pros” view: constructive on mortgage finance normalization and company positioning.
Wall Street “cons” view (implied): normalization is not complete; near-term stock action can lag fundamentals when the tape is risk-off.
Wall Street analysts forecast NPB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NPB is 20.5 USD with a low forecast of 20 USD and a high forecast of 21 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
Wall Street analysts forecast NPB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NPB is 20.5 USD with a low forecast of 20 USD and a high forecast of 21 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 17.070
Low
20
Averages
20.5
High
21
Current: 17.070
Low
20
Averages
20.5
High
21
Keefe Bruyette
NULL -> Outperform
maintain
$21 -> $22
AI Analysis
2026-01-22
Reason
Keefe Bruyette
Price Target
$21 -> $22
AI Analysis
2026-01-22
maintain
NULL -> Outperform
Reason
Keefe Bruyette raised the firm's price target on Northpointe to $22 from $21 and keeps an Outperform rating on the shares.
Piper Sandler
Piper Sandler
Overweight
maintain
$20
2025-12-22
Reason
Piper Sandler
Piper Sandler
Price Target
$20
2025-12-22
maintain
Overweight
Reason
Piper Sandler raised the firm's price target on Northpointe to $20 from $19.50 and keeps an Overweight rating on the shares. ahead of Q4 results for the firm's mortgage finance coverage. The sector backdrop has shifted positively, driven by 30-year rates falling to 6.2% from 7%-plus highs earlier in the year and material tightening in agency spreads. While the market has not yet fully "normalized," momentum is building, Piper argues. Mortgage application volumes are rising, led by an 18% sequential and 100%-plus year-over-year surge in refinance activity. Additionally, GSE reform is likely to return to the spotlight given the administration's push for a deal under President Trump and FHFA Director Bill Pulte, it adds.
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