National Bank Holdings (NBHC)
NYSE:NBHC
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Earnings Data
Report Date
Jul 28, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.81Last Year’s EPS
0.92Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call communicated multiple strong operational and financial achievements — record loan originations, double-digit loan growth, margin expansion, higher net interest income and strong capital ratios — alongside expected short-term noise from acquisition-related one-time costs, early-stage monetization of Unifi, and modestly elevated annualized charge-offs. Management reiterated conservative but achievable guidance (10% loan growth, NIM near 4%, fee income $75–$80M), emphasized integration progress and synergy realization (post July systems conversion), and affirmed a target of >$1 EPS in Q4 driven by earning asset growth, fee pickup and expense synergies. Overall, positives around growth, margin, capital and integration momentum substantially outweigh the near-term challenges and one-time costs.Company Guidance
Record Loan Originations and Strong Loan Growth
Record quarterly loan fundings of $805 million; loan balances increased $2.2 billion (29% quarter-over-quarter) with $285 million of organic loan growth and $1.9 billion acquired in the Vista transaction; delivered annualized loan growth of 12.4% and entered Q2 with robust loan pipelines.
Net Interest Margin Expansion and NII Growth
Net interest margin expanded to 4.06% (up 17 basis points linked quarter) driven by a 24 basis point increase in earning asset yields; fully taxable equivalent net interest income totaled $111.0 million, up 25.7% versus the prior quarter.
Improved Profitability Metrics
Adjusted net income of $32.6 million, or $0.72 diluted EPS, a 43% increase versus the prior quarter; adjusted return on tangible assets 1.2% and adjusted return on tangible equity 11.8%.
Pre-Provision Revenue and Fee Income Momentum
Fully taxable equivalent pre-provision net revenue increased $8.5 million, or 21.7% linked quarter; noninterest income grew 16.9% year-over-year to $18 million, and fee income guidance reiterated at $75–$80 million for 2026 (including $2–$4M from Unifi).
Successful Acquisition Integration Progress
Closed Vista acquisition during Q1; onboarding and integration on track with early realization of cost efficiencies; added over 10 new bankers (including 4 former presidents) and retaining key Vista talent—company expects to meet or beat modeled expense synergies after systems conversion.
Strong Capital and Liquidity Position
Common Equity Tier 1 ratio at 12.5% and total capital ratio at 15.8%; loan-to-deposit ratio ended the quarter at 91.9%; tangible book value per share $26; resumed buybacks ($16 million repurchased) and raised quarterly dividend 3% to $0.32/share.
Product / Platform Growth — Unifi and Camber
Unifi generated over 1,300 user applications YTD with weekly application volume accelerating from ~40 to nearly 400; Camber program grown by >$700 million over three years to >$2 billion, enhancing deposit distribution and pricing flexibility.
Modest Credit Provision Relative to Growth
Recorded only $4 million of provision expense in Q1 despite rapid loan growth; management notes positive credit trends and reductions in criticized/classified loans and expects NPAs to trend down over the year.
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 |
|---|---|---|---|
Apr 21, 2026 | $42.16 | $41.53 | -1.49% |
Jan 27, 2026 | $39.75 | $39.55 | -0.50% |
Oct 21, 2025 | $36.42 | $37.26 | +2.30% |
Jul 22, 2025 | $38.29 | $39.35 | +2.78% |
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 Jul 28, 2026, After Close (Confirmed).
What is National Bank Holdings (NBHC) earnings time?
National Bank Holdings (NBHC) earnings time is at Jul 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is NBHC EPS forecast?
NBHC EPS forecast for the fiscal quarter 2026 (Q2) is 0.81.