The earnings call reflected a strong financial performance for the second quarter, with notable achievements in net interest margin expansion, loan production, and the successful launch of 2 Unifi. However, there were challenges with declining loan balances and deposit outflows. Despite these issues, the bank's strategic actions and expense reduction initiatives indicate a positive outlook.

Company Guidance -

Q3 2025

During the National Bank Holdings Corporation's 2025 second-quarter earnings call, the management provided several financial metrics and future guidance. In the second quarter, the bank reported earnings of $0.88 per diluted share, with a return on tangible equity of 14.2% and a return on assets of 1.5%. The net interest margin was strong at 3.95%, supported by disciplined loan and deposit pricing. Loan fundings reached $323 million, although overall loan balances declined due to reductions in certain high-risk industries. The allowance to total loans ratio remained stable at 1.2%, while nonperforming loans decreased to $33.3 million. For the rest of 2025, the bank projects mid-single-digit loan growth and maintains its net interest margin guidance in the mid-3.9% range, excluding potential Fed rate changes. On expenses, efforts to streamline operations led to a 10% reduction in the annualized personnel expense run rate, projecting noninterest expenses for the second half of the year to be between $126 million and $128 million, inclusive of $16 million to $17 million related to the new 2 Unifi app. The tangible book value year-to-date grew by 10.7% to $26.64.

Strong Financial Performance

Net income of $34 million with earnings of $0.88 per diluted share. Return on average tangible assets was 1.5%, and return on average tangible common equity was 14.2%.

Net Interest Margin Expansion

Net interest margin expanded by 2 basis points to 3.95%. Fully taxable equivalent net interest income grew by 4.7% compared to the second quarter of last year.

Loan Production and Pricing Discipline

$323 million in loan fundings, with new loan originations at a weighted average yield of 7.4%. The bank showed pricing discipline in loan and deposit pricing.

Successful Launch of 2 Unifi

Successfully launched Release 1 of 2 Unifi in the Apple app store, with positive user feedback and solid initial activity.

Expense Reduction Initiatives

Reduced core bank annualized personnel expense run rate by 10%, with future projections to continue growing quarterly pre-provision net revenue.

Noninterest Income Growth

Noninterest income for the second quarter totaled $17.1 million, 11% higher than the first quarter and 22% higher than the second quarter of last year.

National Bank Holdings (NBHC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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NBHC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.85 / -	0.86	―	―	―
Jul 22, 2025	2025 (Q2)	0.79 / 0.92	0.68	35.15% (+0.24)	―
Apr 22, 2025	2025 (Q1)	0.75 / 0.63	0.82	-23.17% (-0.19)	―
Jan 22, 2025	2024 (Q4)	0.79 / 0.73	0.87	-16.09% (-0.14)
Oct 22, 2024	2024 (Q3)	0.74 / 0.86	0.94	-8.51% (-0.08)	―
Jul 23, 2024	2024 (Q2)	0.74 / 0.68	0.85	-20.00% (-0.17)	―
Apr 24, 2024	2024 (Q1)	0.76 / 0.82	1.06	-22.64% (-0.24)	―
Jan 23, 2024	2023 (Q4)	0.82 / 0.87	0.91	-4.40% (-0.04)	―
Oct 24, 2023	2023 (Q3)	0.86 / 0.94	0.8	17.50% (+0.14)	―
Jul 19, 2023	2023 (Q2)	0.93 / 0.85	0.69	23.19% (+0.16)	―

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
Jul 22, 2025	$39.21	$40.30	+2.78%
Apr 22, 2025	$36.32	$34.06	-6.22%
Jan 22, 2025	$42.90	$41.60	-3.03%
Oct 22, 2024	$40.99	$44.11	+7.61%

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 Oct 28, 2025, After Close (Confirmed).

What is National Bank Holdings (NBHC) earnings time?

National Bank Holdings (NBHC) earnings time is at Oct 28, 2025, 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 2025 (Q3) is 0.85.

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