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NBHC stock logo

NBHC

National Bank Holdings Corporation

$39.58
0.1
 (0.25%)
Exchange:  NYSE
Market Cap:  1.503B
Shares Outstanding:  52.184M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  G. Timothy Laney
Full Time Employees:  1259
Address: 
7800 East Orchard Road
Greenwood Village
CO
80111
US
Website:  https://www.nationalbankholdings.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/01/28 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue553,563594,314583,936
Gross Profit411,804394,679403,967
EBITDA199,455169,438164,507
Operating Income175,602145,247142,729
Net Income142,048118,815109,574

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets9,951,0649,807,6939,883,518
Total Liabilities8,738,2578,502,6188,498,404
Total Stockholders Equity1,212,8071,305,0751,385,114
Total Debt413,827123,40654,540
Cash and Cash Equivalents190,826127,848417,058

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Cash Flow Statement

Year202320242025
Operating Cash Flow166,935155,271162,418
Capital Expenditure-36,834-34,5920
Free Cash Flow130,101120,679162,418
Net Income142,048118,815109,574
Net Change in Cash-6,193-64,478289,210

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)580,053.423Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)590,564.585Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)583,942Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)190,630.949Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)194,085.377Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)191,908.906Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)152,204.932Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)154,061.290Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)153,133.111Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)186,043.286Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)189,414.581Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)187,290.488Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.020Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.040Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.990Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
594.422M  ?P/S
 (TTM)
: 
2.76
?Net Income
 (TTM)
: 
118.488M  ?P/E
 (TTM)
: 
14.77
?Enterprise Value
 (TTM)
: 
1.264B  ?EV/FCF
 (TTM)
: 
11.05
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.42
?ROE
 (TTM)
: 
  ?ROIC
 (TTM)
: 
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
?P/B
 (TTM)
: 
  ?Current Ratio
 (TTM)
: 

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
N/AFull AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates NBHC intrinsic value between $46.13 – $46.65 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate NBHC Intrinsic Value

Common questions about NBHC valuation

Is National Bank Holdings Corporation (NBHC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for National Bank Holdings Corporation (NBHC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is NBHC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether NBHC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is NBHC’s P/E ratio?

You can see NBHC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for NBHC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is NBHC a good long-term investment?

Whether NBHC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

NBHC

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See in Nexus

Relevant news

National Bank Holdings Corporation Announces First Quarter 2026 Financial Results
National Bank Holdings Corporation Announces Date for 2026 First Quarter Earnings Release
National Bank Holdings (NBHC) Could Be a Great Choice
Are You Looking for a High-Growth Dividend Stock?
National Bank Holdings Corporation Reports Granting of Inducement Awards Under NYSE Listing Rule 303A.08
National Bank Holdings Corporation (NYSE:NBHC) Sees Significant Growth in Short Interest

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