National Bank Holdings (NBHC)
NYSE:NBHC
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NBHC Stock Chart & Stats
$42.38
-$0.20(-0.47%)
At close: 4:00 PM EST
$42.38
-$0.20(-0.47%)
Day’s Range― - ―
52-Week Range$35.06 - $43.86
Previous CloseN/A
Volume28.73K
Average Volume (3M)388.46K
Market Cap
$1.92B
Enterprise Value$1.38B
Total Cash (Recent Filing)$945.70M
Total Debt (Recent Filing)$71.89M
Price to Earnings (P/E)18.0
Beta0.89
Next Earnings
Jul 28, 2026EPS Estimate
0.81Next Dividend Ex-DateN/A
Dividend Yield3.07%
Share Statistics
EPS (TTM)2.86
Shares Outstanding44,692,470
10 Day Avg. Volume362,395
30 Day Avg. Volume388,465
Financial Highlights & Ratios
PEG Ratio-1.71
Price to Book (P/B)1.05
Price to Sales (P/S)2.49
P/FCF Ratio10.95
Enterprise Value/Market Cap0.72
Enterprise Value/Revenue2.37
Enterprise Value/Gross Profit3.42
Enterprise Value/Ebitda8.40
Forecast
1Y Price Target
$48.33Price Target Upside14.05% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)3.37
Revenue Forecast (FY)$546.72M
Bulls Say, Bears Say
Bulls Say
Balance-sheet StrengthLeverage has materially declined and equity has grown, creating a conservative capital structure that supports lending capacity, cushions shocks and enables regulatory compliance. Higher CET1 and tangible book improvements provide durable financial flexibility for organic growth and capital returns.
Loan Growth And NIM StabilitySustained loan origination momentum and a NIM near 4% drive structurally higher net interest income. Deposit‑funded growth (loan-to-deposit ~91.9%) and a large funded pipeline make interest income the primary durable earnings driver over coming quarters, supporting lasting profitability.
Cash Generation And Capital ReturnsRobust free cash flow in 2025 demonstrates the business can convert earnings to distributable cash. That cash underpins dividends and buybacks and funds integration costs, reducing reliance on external financing and supporting long‑term shareholder distributions and balance sheet reinvestment.
Bears Say
Weak Revenue TrendA pronounced revenue drop and lower net income relative to 2023 signal durable top‑line weakness that can cap sustainable earnings growth. Even with solid margins, a declining revenue base increases reliance on acquisitions and fee recoveries to restore historical profit trajectories.
Integration And Expense Execution RiskMaterial one‑time and recurring integration costs through systems conversion create near‑term expense pressure and execution risk. Delayed realization of modeled synergies means higher expense run rates could persist, affecting multi‑quarter EPS progression and margin normalization.
Allowance Coverage & Charge-offsRelatively low allowance coverage alongside recent uptick in annualized charge‑offs exposes the bank to credit sensitivity amid rapid loan growth and acquired portfolios. Limited incremental coverage (marks) could be stressed if delinquencies or losses accelerate, pressuring capital or earnings.
National Bank Holdings News
NBHC FAQ
What was National Bank Holdings’s price range in the past 12 months?
National Bank Holdings lowest stock price was $35.06 and its highest was $43.86 in the past 12 months.
What is National Bank Holdings’s market cap?
National Bank Holdings’s market cap is $1.92B.
When is National Bank Holdings’s upcoming earnings report date?
National Bank Holdings’s upcoming earnings report date is Jul 28, 2026 which is in 85 days.
How were National Bank Holdings’s earnings last quarter?
National Bank Holdings released its earnings results on Apr 21, 2026. The company reported $0.72 earnings per share for the quarter, beating the consensus estimate of $0.65 by $0.07.
Is National Bank Holdings overvalued?
According to Wall Street analysts National Bank Holdings’s price is currently Undervalued.
Does National Bank Holdings pay dividends?
National Bank Holdings pays a Quarterly dividend of $0.31 which represents an annual dividend yield of 3.07%. See more information on National Bank Holdings dividends here
What is National Bank Holdings’s EPS estimate?
National Bank Holdings’s EPS estimate is 0.81.
How many shares outstanding does National Bank Holdings have?
National Bank Holdings has 44,692,470 shares outstanding.
What happened to National Bank Holdings’s price movement after its last earnings report?
National Bank Holdings reported an EPS of $0.72 in its last earnings report, beating expectations of $0.65. Following the earnings report the stock price went down -1.494%.
Which hedge fund is a major shareholder of National Bank Holdings?
Currently, no hedge funds are holding shares in NBHC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
National Bank Holdings Stock Smart Score
Outperform
1
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10
Analyst Consensus
Strong Buy
Average Price Target:
$48.33 (14.05% Upside)
$48.33 (14.05% Upside)
Blogger Sentiment
Bullish
NBHC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 4.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $1.0M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-15.97%
12-Months-Change
Fundamentals
Return on Equity
7.35%
Trailing 12-Months
Asset Growth
24.91%
Trailing 12-Months
Company Description
National Bank Holdings
National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, and other deposit accounts, including fixed-rate and fixed maturity time deposits. The company also provides commercial and industrial loans and leases, such as working capital loans, equipment loans, lender finance loans, food and agriculture loans, government and non-profit loans, owner occupied commercial real estate loans, and other commercial loans and leases; non-owner occupied commercial real estate loans consisting of loans on commercial properties, such as office buildings, warehouse/distribution buildings, multi-family, hospitality, and retail buildings; small business administration loans to support manufacturers, distributors, and service providers; term loans, line of credits, and real estate secured loans; residential real estate loans; and consumer loans. In addition, it offers treasury management solutions comprising online and mobile banking, commercial credit card, wire transfer, automated clearing house, electronic bill payment, lock box, remote deposit capture, merchant processing, cash vault, controlled disbursements, and fraud prevention services, as well as other auxiliary services, including account reconciliation, collections, repurchase accounts, zero balance accounts, and sweep accounts. As of January 20, 2022, the company operated through a network of 81 banking centers located in Colorado, the greater Kansas City region, New Mexico, Utah, and Texas. It also operates 121 ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. National Bank Holdings Corporation was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.
NBHC Earnings Call
Q1 2026
0:00 / 0:00
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.View all NBHC earnings summariesNBHC Stock 12 Month Forecast
Average Price Target
$48.33
▲(14.05% Upside)
Technical Analysis
Ownership Overview
7.61% Insiders
25.67% Mutual Funds
4.31% Other Institutional Investors
32.80% Public Companies and
Individual Investors