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
$1.88B
Enterprise Value$1.34B
Total Cash (Recent Filing)$1.08B
Total Debt (Recent Filing)$219.13M
Price to Earnings (P/E)18.0
Beta0.88
Next Earnings
Jul 28, 2026EPS Estimate
0.81Next Dividend Ex-DateN/A
Dividend Yield3.07%
Share Statistics
EPS (TTM)2.77
Shares Outstanding44,790,820
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 Cap0.71
Enterprise Value/Revenue2.18
Enterprise Value/Gross Profit3.08
Enterprise Value/Ebitda8.70
Forecast
1Y Price Target
$49.50Price Target Upside16.80% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.37
Revenue Forecast (FY)$546.72M
Bulls Say, Bears Say
Bulls Say
Sustained Loan Growth / ScaleRapid, repeatable loan originations driven by organic activity plus the Vista acquisition materially increased earning assets and scale. Durable loan growth supports recurring net interest income, expands cross-sell opportunities across new markets, and raises long‑term revenue potential even after integration.
Margin Expansion And NII MomentumA sustained NIM near 4% combined with rising FTE NII reflects durable earning asset repricing and effective funding management. If management sustains disciplined deposit costs and loan yield mix, higher core interest spread supports longer‑term pre‑provision earnings and ability to absorb cyclical pressure.
Conservative Capital And Balance SheetA conservative leverage profile and a materially stronger equity base provide buffers against credit stress and support regulatory ratios. Robust capital enables continued lending, dividend and buyback flexibility while absorbing integration-related volatility, underpinning long‑term franchise resilience.
Bears Say
Weak Cash ConversionA large decline in free cash flow and cash conversion reduces the quality and sustainability of reported earnings. Over months this constrains internal funding for investments, dividends and buybacks, elevates reliance on balance sheet flexibility, and weakens confidence in earnings durability if not remediated.
Acquisition / Integration Expense NoiseMaterial one‑time acquisition and restructuring charges create near‑term cash and expense pressure and defer full synergy realization until post systems conversion. Execution risk in delivering modeled cost synergies can compress margins for multiple quarters and reduce returns on the Vista purchase if delayed.
Deposit Funding Mix & Cost RiskFlat organic deposit growth and higher‑cost acquired deposits raise funding risk: maintaining low overall deposit expense may be harder, pressuring NIM over time. Persistent remixing toward higher‑cost balances forces tighter pricing, or greater wholesale funding, reducing long‑term margin durability.
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 $1.88B.
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 63 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 44,790,820 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
Underperform
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Analyst Consensus
Moderate Buy
Average Price Target:
$49.50 (16.80% Upside)
$49.50 (16.80% Upside)
Blogger Sentiment
Bullish
NBHC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 68.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $40.3K over
the Last 3 Months
the Last 3 Months
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 Company Deck
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
$49.50
▲(16.80% Upside)
Technical Analysis
Ownership Overview
4.33% Insiders
25.69% Mutual Funds
25.25% Other Institutional Investors
14.83% Public Companies and
Individual Investors