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National Bank Holdings (NBHC)
NYSE:NBHC
NBHC Stock Chart & Stats
$38.40
-$0.20(-0.47%)
At close: 4:00 PM EST
$38.40
-$0.20(-0.47%)
Day’s Range― - ―
52-Week Range$32.83 - $42.99
Previous CloseN/A
Volume28.73K
Average Volume (3M)388.46K
Market Cap
$1.76B
Enterprise Value$1.14B
Total Cash (Recent Filing)$945.70M
Total Debt (Recent Filing)$71.89M
Price to Earnings (P/E)22.6
Beta0.85
Next Earnings
Apr 22, 2026EPS Estimate
0.71Next Dividend Ex-DateN/A
Dividend Yield3.07%
Share Statistics
EPS (TTM)0.60
Shares Outstanding45,013,622
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 Cap0.65
Enterprise Value/Revenue1.95
Enterprise Value/Gross Profit2.82
Enterprise Value/Ebitda6.93
Forecast
1Y Price Target
$47.00Price Target Upside22.40% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.41
Revenue Forecast (FY)$543.97M
Bulls Say, Bears Say
Bulls Say
Conservative LeverageNBHC's materially lower debt-to-equity (falling to ~0.05 in 2025) and growing equity provide a durable capital buffer. Strong capital ratios improve loss-absorption capacity, support regulatory compliance, allow disciplined lending expansion, and underpin buybacks/dividends without excessive leverage.
Stable Cash GenerationConsistent positive operating cash flow and 2025 free cash flow equal to net income indicate reliable internal funding. This steadier cash generation supports dividends, buybacks and M&A integration funding, improving resilience to earnings volatility and reducing external financing reliance.
Scale From Vista AcquisitionRapid completion of the Vista deal materially increases scale, expands high-growth Texas and Palm Beach markets, and boosts the lending franchise. Larger earning assets and a strong origination pipeline create structural opportunity for cross-sell, revenue diversification, and improved operating leverage over the medium term.
Bears Say
Sharp 2025 Revenue DeclineAn 87.4% reported revenue drop in 2025 is a structural red flag: it erodes operating leverage, undermines trend visibility, and increases reliance on one-off items or post‑acquisition growth to restore topline momentum. Sustained profitability will require durable revenue recovery and execution.
Rising Operating Costs & Lossy Fintech BuildManagement's guidance implies a 21–25% step-up in noninterest expense alongside a loss-making 2UniFi business. Persistent elevated costs paired with minimal near-term 2UniFi revenue compress operating leverage and require meaningful revenue gains or partnership success to avoid long-term margin erosion.
Acquisition-related Charges & Integration RiskOne‑time acquisition charges, possible CECL day‑1 provisioning, and integration/rebranding costs can depress near‑term reported earnings and tie up capital. Combined with Vista‑related share issuance, these factors reduce immediate capital flexibility and can delay realization of projected acquisition synergies.
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 $32.83 and its highest was $42.99 in the past 12 months.
What is National Bank Holdings’s market cap?
National Bank Holdings’s market cap is $1.76B.
When is National Bank Holdings’s upcoming earnings report date?
National Bank Holdings’s upcoming earnings report date is Apr 22, 2026 which is in 40 days.
How were National Bank Holdings’s earnings last quarter?
National Bank Holdings released its earnings results on Jan 27, 2026. The company reported $0.6 earnings per share for the quarter, missing the consensus estimate of $0.818 by -$0.218.
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 0.71.
How many shares outstanding does National Bank Holdings have?
National Bank Holdings has 45,013,622 shares outstanding.
What happened to National Bank Holdings’s price movement after its last earnings report?
National Bank Holdings reported an EPS of $0.6 in its last earnings report, missing expectations of $0.818. Following the earnings report the stock price went down -0.498%.
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
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$47.00 (22.40% Upside)
$47.00 (22.40% Upside)
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
Technicals
SMA
Negative
20 days / 200 days
Momentum
-15.97%
12-Months-Change
Fundamentals
Return on Equity
9.06%
Trailing 12-Months
Asset Growth
0.28%
Trailing 12-Months
Company Description
National Bank Holdings
National Bank Holdings Corporation (NBHC) is a bank holding company based in the United States, primarily focused on providing banking services through its subsidiary, National Bank of Kansas City. The company operates in the financial services sector, offering a range of products including commercial banking, consumer banking, and wealth management services. NBHC caters to both individual and business clients, providing services such as loans, deposits, treasury management, and investment advisory solutions.
NBHC Company Deck
NBHC Earnings Call
Q4 2026
0:00 / 0:00
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).View all NBHC earnings summariesNBHC Stock 12 Month Forecast
Average Price Target
$47.00
▲(22.40% Upside)
Technical Analysis
Ownership Overview
7.61% Insiders
25.85% Mutual Funds
19.36% Other Institutional Investors
23.29% Public Companies and
Individual Investors