NPB (Northpointe Bancshares) Moat Score: 3/10 (As of Jun. 28, 2026)


NPB Northpointe Bancshares Inc NPB
8 GF Score
Price $18.91
! 4 Warning Signs
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What is Northpointe Bancshares Moat Score?

Northpointe Bancshares NPB +1.61% 8 Moat Score is 3 as of Jun. 28, 2026. GuruFocus rates NPB with a GF Score™ of 8/100. The stock has 4 warning signs investors should review. Among 1,614 Banks companies, Northpointe Bancshares ranks better than 74.54% on this metric.

Northpointe Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Northpointe Bancshares has No Moat: Northpointe Bancshares Inc operates in a highly competitive banking sector with minimal differentiation. The company lacks significant market share, customer switching costs, and intellectual property. Its brand strength and cost advantages are limited, resulting in a very weak competitive position with no discernible moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Northpointe Bancshares might have No Moat - Very weak/transient advantages.

Northpointe Bancshares  (NYSE:NPB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Northpointe Bancshares Moat Score Related Terms

NPB vs NFBK, RCBC, PFIS: Moat Score Comparison

For the Banks - Regional subindustry, Northpointe Bancshares's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Northpointe Bancshares Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Northpointe Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Northpointe Bancshares's Moat Score falls into.


NPB
8GF Score
Northpointe Bancshares Inc NPB
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Northpointe Bancshares (NPB) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Northpointe Bancshares ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is Northpointe Bancshares' Moat Score too high?
Northpointe Bancshares' current Moat Score is 3. Based on the distribution chart, Northpointe Bancshares ranks #411 out of 1614 companies in the Banks industry, which is above the industry midpoint. Overall, Northpointe Bancshares has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Northpointe Bancshares' Moat Score compare to NFBK and RCBC?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #411 out of 1614 companies for Moat Score. This puts Northpointe Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Northpointe Bancshares's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northpointe Bancshares stock overvalued right now?
Northpointe Bancshares (NPB) has a current Moat Score of 3. The current Moat Score is 3. Northpointe Bancshares' overall GF Score™ is 8/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current Moat Score is 3 as of Jun. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Northpointe Bancshares Business Description

Address 3333 Deposit Drive Northeast, Grand Rapids, MI, USA, 49546
Northpointe Bancshares Inc is a bank holding company focused on mortgage portfolio lender. The bank also offers a nationwide mortgage purchase program, residential mortgage lending, digital deposit banking to retail customers and custodial deposit services to loan servicing clients. It offers financial products and services through two business segments, Mortgage Purchase Program provides independent mortgage banking platforms nationwide with an alternative to traditional mortgage warehouse lending; and Retail Banking provides a vast array of financial products and services to consumers nationwide which include residential mortgages, AIO Loans, other consumer loans, and loan servicing, as well as various types of deposit products, including checking, savings and time deposit accounts.
8GF Score

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