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National Bank Holdings (NBHC)
NYSE:NBHC
RESEARCH TOOLSreports
Earnings Data
Report Date
Apr 16, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
0.75Last Year’s EPS
0.82Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Jan 22, 2025
|% Change Since: -3.70%
|Next Earnings Date:Apr 16, 2025
Earnings Call Sentiment|Neutral
The earnings call reflected a generally positive sentiment, with strong net interest income growth, increased tangible book value, and effective deposit management. However, these positives were offset by challenges including a significant loss from the investment security sale and concerns in the transportation sector. The ongoing investment in 2UniFi also represents a substantial expense.Company Guidance
During the fourth quarter earnings call for National Bank Holdings Corporation (NBHC), the company provided several key metrics and guidance for the upcoming year. For Q4 2024, NBHC reported net income of $28.2 million, equating to $0.73 per diluted share. Adjusting for a one-time securities sale loss, net income was $33.2 million or $0.86 per diluted share, with an adjusted return on average tangible common equity of 14.4%. The net interest margin expanded to 3.99%, and the company achieved a 13.5% annualized growth in pre-provision net revenue. Looking ahead to 2025, NBHC projects mid-single-digit loan growth and aims to maintain the net interest margin in the high 3.9% range. Total noninterest income is expected to be between $72 million and $77 million, while noninterest expenses are projected to range from $272 million to $278 million, including significant investment in their 2UniFi initiative. Additionally, the effective tax rate is anticipated to be around 19%, and the bank plans to grow beyond $10 billion in total assets, driven by both loan and investment portfolio increases.Strong Net Interest Income Growth
The company delivered 11.3% annualized net interest income growth during the quarter with a strong net interest margin of 3.99%.
Tangible Book Value Increase
Tangible book value grew 11% during 2024.
Capital Ratios
Exited the year with a common equity Tier 1 capital ratio of 13.2% and a TCE ratio of 10.2%.
Positive Loan Funding
Loan fundings during the quarter totaled $480 million, among the highest loan production quarters in the company's history.
Deposit Strategy Success
A 22 basis point reduction in the cost of deposits contributed to net margin expansion.
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NBHC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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NBHC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Jan 22, 2025 | $43.56 | $42.24 | -3.03% |
| Oct 22, 2024 | $41.62 | $44.78 | +7.59% |
| Jul 23, 2024 | $45.04 | $42.74 | -5.11% |
| Apr 24, 2024 | $33.71 | $32.98 | -2.17% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does National Bank Holdings (NBHC) report earnings?
National Bank Holdings (NBHC) is schdueled to report earning on Apr 16, 2025, TBA Not Confirmed.
What is National Bank Holdings (NBHC) earnings time?
National Bank Holdings (NBHC) earnings time is at Apr 16, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is NBHC EPS forecast?
NBHC EPS forecast for the fiscal quarter 2025 (Q1) is 0.75.
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