The earnings call presented a balanced outlook with significant achievements in earnings, loan production, and cost management. However, there were challenges with declining loan balances and deposits. The successful launch of 2 Unifi and strong noninterest income growth provide positive momentum for the future.

Company Guidance

During National Bank Holdings Corporation's 2025 Second Quarter Earnings Call, the company reported earnings of $0.88 per share, a return on tangible equity of 14.2%, and a return on assets of 1.5%. The bank achieved a net interest margin of 3.95%, fueled by disciplined loan and deposit pricing. Loan fundings for the quarter totaled $323 million, while loan exposure in higher-risk industries, such as trucking and commercial real estate, was reduced. Despite a decrease in average deposit balances by $58.8 million due to seasonal tax outflows, the cost of deposits was maintained at 2.05%. Nonperforming loans decreased to $33.3 million, with a nonperforming loan ratio of 0.45%. The bank's allowance to total loans ratio remained steady at 1.2%. Noninterest income rose to $17.1 million, and noninterest expenses were $62.9 million, reflecting a strategic reduction in personnel expenses by approximately 10%. The bank also successfully launched its new platform, 2 Unifi, in the Apple app store, with an Android launch expected on July 30. For the second half of 2025, the bank projects mid-single-digit loan growth, a net interest margin in the mid-3.9% range, noninterest income between $34 million and $36 million, and noninterest expenses between $126 million and $128 million.

Strong Earnings and Return Metrics

The company delivered earnings of $0.88 per share, with a 14.2% return on tangible equity and a 1.5% return on assets.

Successful Loan Production and Pricing

Loan fundings reached $323 million, a 26% increase over the first quarter. New loan originations had a weighted average yield of 7.4%.

Effective Cost Management

The company reduced its annualized personnel expense run rate by 10% and implemented an efficient expense reduction plan.

Strong Net Interest Margin

Maintained a strong net interest margin of 3.95%, with a 2 basis point expansion during the quarter.

Positive Noninterest Income Growth

Noninterest income increased by 11% from the first quarter and 22% from the previous year.

Successful Launch of 2 Unifi

Successfully launched Release 1 of 2 Unifi in the Apple app store, with positive user feedback and strong security measures.

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

Daily Earnings Calendar >

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	$38.91	$39.99	+2.78%
Apr 22, 2025	$36.04	$33.80	-6.22%
Jan 22, 2025	$42.58	$41.29	-3.03%
Oct 22, 2024	$40.68	$43.77	+7.60%

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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