NBHC logo

NATIONAL BANK HOLD-CL A

NBHCNYSE
πŸ† #2082 by market capEarnings Oct 27US Equity
$39.25β–Ό $0.39 (βˆ’1.00%)
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24hβ–Ό 1.0%
7dβ–Ό 1.6%
14dβ–Ό 5.0%
30dβ–Ό 5.0%
ytdβ–² 3.2%
1yβ–² 1.6%
🏦Market Cap
$1.76B
Small Cap
πŸ“ˆRevenue Growth (YoY)
-1.8%
Declining
πŸ“ŠGross Margin
77.1%
High
πŸ’΅FCF Margin
21.3%
Strong
βš–οΈP/S Ratio
2.9x
Cheap
Otter Score
72
Fair

Trading Snapshot

Day Range
$38.71 – $39.50
52-Week Range
$35.06 – $47.28
Volume
$2.14B
Avg Volume
$1.80B
Shares Outstanding
44.8M
Next Earnings
Nov 9, 2026

Fundamentals Snapshot

Annual Revenue
$584M
Last Q Revenue
$128M
P/E Ratio
15.3
P/S Ratio
2.9x
EPS (TTM)
$2.58
Dividend Yield
3.24%
Dilution (1yr)
βˆ’1.0%

Why Investors Own NBHC

  • βœ“High-growth profile β€” revenue up +33.0% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 27% gross margin and 21% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

NBHC logo

NATIONAL BANK HOLD-CL A

NBHC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$584Mβ–Ό βˆ’1.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
69.2%β–² +4.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$143Mβ–Ό βˆ’1.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$132Mβ–² +9.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
38.2Mβ–Ό βˆ’1.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$345Mβ–² +$341M YoY
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About NATIONAL BANK HOLD-CL A

National Bank Holdings Corporation (NBHC) serves as the parent company for NBH Bank, providing a comprehensive range of banking products and financial services to commercial businesses and individual consumers across the United States. The bank offers various deposit accounts, including checking, savings, and money market options, alongside fixed-rate and fixed-maturity time deposits. Its lending portfolio is extensive, featuring commercial and industrial loans for purposes such as working capital, equipment financing, lender finance, and specialized sectors like food and agriculture, government, and non-profits. NBHC also finances both owner-occupied and non-owner occupied commercial real estate, covering diverse property types like office buildings, warehouses, multi-family residences, hospitality venues, and retail spaces. Additionally, it provides Small Business Administration (SBA) loans to support manufacturers, distributors, and service providers, as well as general term loans, lines of credit, real estate-secured loans, residential mortgages, and consumer loans. Beyond its core deposit and lending services, NBHC delivers a suite of treasury management solutions. These encompass digital banking (online and mobile), commercial credit cards, wire transfers, Automated Clearing House (ACH) services, electronic bill payment, lockbox services, remote deposit capture, merchant processing, cash vault services, controlled disbursements, and fraud prevention tools. The company also offers auxiliary services like account reconciliation, collections, repurchase accounts, zero balance accounts, and sweep accounts. As of January 20, 2022, NBHC operated through a network of 81 banking centers situated in Colorado, the greater Kansas City region, New Mexico, Utah, and Texas, complemented by 121 ATMs. Originally established in 2009 as NBH Holdings Corp., the company officially adopted its current name, National Bank Holdings Corporation, in March 2012. Its corporate headquarters are located in Greenwood Village, Colorado.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$46.39
β–² +18.2% Upside
High Target$52.76
Low Target$35.71
Based on 33 analysts

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