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National Bank Holdings (NBHC)
NYSE:NBHC
Earnings Data
Report Date
Apr 22, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.71Last Year’s EPS
0.63Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a generally positive tone driven by strong capital positions, a successful and rapid acquisition of Vista that expanded earning assets, solid loan origination momentum (including record commercial originations), completion of 2UniFi Phase 1 and a clear multi-year earnings target (> $1 in Q4 2026; > $4 in 2027). Credit metrics improved and management deliberately addressed problem loans to start 2026 with a clean slate. Offsetting items include several meaningful one-time charges in Q4, elevated 2026 expense guidance (reflecting a full year of Vista and integration costs), ongoing 2UniFi losses and partnership timing uncertainty, and modest near-term margin/repricing volatility. Overall, highlights (capital, margin recovery, deal execution, strong originations and product launch) outweigh the manageable but material lowlights (one-time charges, elevated provisions and higher 2026 expense guidance).Company Guidance
Tangible Book and Capital Growth
Tangible book value per share grew 10% in 2025; Common Equity Tier 1 ratio strengthened to 14.89% (14.9% reported). Tangible common equity (TCE) ratio ended the year at 11% and Tier 1 leverage was 11.6%, signaling a strong capital base.
Strong Net Interest Margin Performance
Full-year net interest margin was a top-quartile 3.94%. December spot margin recovered to 3.97% (Vista December margin ~4%), and management projects 2026 fully taxable-equivalent NIM to remain around 4% (excluding future Fed moves).
Robust Loan Originations and Growth Pipeline
Generated $1.6 billion of new loan originations in 2025. Fourth-quarter originations were $591 million (second-highest quarter in company history), including a record $429 million of commercial loan originations; commercial loans grew nearly 8% annualized in Q4.
Vista Acquisition Closed Quickly and Expanded Earning Assets
Successfully closed the Vista Bank acquisition within four months, adding approximately $2.4 billion of earning assets and creating a combined loan portfolio of about $9.4 billion. Management targets ~10% loan growth in 2026 and 7%–10% earning asset growth.
Credit Metrics Improving
Nonperforming asset (NPA) ratio improved 11 basis points in 2025 to 36 bps of total loans. Criticized loan ratio improved 73 basis points during the year. Allowance to total loans ratio remained around 1.18% with an additional $16.8M marks against acquired loans (providing ~23 bps of extra coverage if applied).
2UniFi Phase 1 Completion and Product Launch
Completed Phase 1 of 2UniFi and launched an automated SBA working capital loan product and business deposit capabilities. Management forecasts 2UniFi revenue contribution of $2M–$4M in 2026 and expects a step-down in capital expenditures as build phase winds down.
Shareholder Capital Deployment Plan
Board authorized a $100 million share buyback program. Management signaled buybacks as a priority and projects a 2026 share count of ~45.8 million (reflecting Vista-related issuance).
Earnings and Multi-Year Outlook
Adjusted 4Q net income excluding one-time items was $22.7 million ($0.60 diluted EPS). Adjusted full-year 2025 net income was $117.6 million ($3.06 diluted EPS). Management expects earnings >$1 per share in 4Q 2026 and positions the company to target >$4 per share in 2027.
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
NBHC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 27, 2026 | $40.06 | $39.86 | -0.50% |
Oct 21, 2025 | $36.70 | $37.55 | +2.30% |
Jul 22, 2025 | $38.59 | $39.66 | +2.78% |
Apr 22, 2025 | $35.75 | $33.52 | -6.22% |
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.
FAQ
When does National Bank Holdings (NBHC) report earnings?
National Bank Holdings (NBHC) is schdueled to report earning on Apr 22, 2026, After Close (Confirmed).
What is National Bank Holdings (NBHC) earnings time?
National Bank Holdings (NBHC) earnings time is at Apr 22, 2026, After Close (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 2026 (Q1) is 0.71.