NBHC Stock Overview
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.
No risks detected for NBHC from our risk checks.
National Bank Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$38.85|
|52 Week High||US$48.24|
|52 Week Low||US$34.11|
|1 Month Change||-1.15%|
|3 Month Change||-15.03%|
|1 Year Change||-5.64%|
|3 Year Change||5.92%|
|5 Year Change||26.18%|
|Change since IPO||98.21%|
Recent News & Updates
Analyst Estimates: Here's What Brokers Think Of National Bank Holdings Corporation (NYSE:NBHC) After Its First-Quarter Report
National Bank Holdings Corporation ( NYSE:NBHC ) came out with its first-quarter results last week, and we wanted to...
|NBHC||US Banks||US Market|
Return vs Industry: NBHC exceeded the US Banks industry which returned -19.9% over the past year.
Return vs Market: NBHC exceeded the US Market which returned -12.9% over the past year.
|NBHC Average Weekly Movement||4.5%|
|Banks Industry Average Movement||4.0%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: NBHC is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: NBHC's weekly volatility (5%) has been stable over the past year.
About the Company
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.
National Bank Holdings Fundamentals Summary
|NBHC fundamental statistics|
Is NBHC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|NBHC income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||2.83|
|Net Profit Margin||29.79%|
How did NBHC perform over the long term?See historical performance and comparison
2.4%Current Dividend Yield
Does NBHC pay a reliable dividends?See NBHC dividend history and benchmarks
|National Bank Holdings dividend dates|
|Ex Dividend Date||May 26 2022|
|Dividend Pay Date||Jun 15 2022|
|Days until Ex dividend||4 days|
|Days until Dividend pay date||24 days|
Does NBHC pay a reliable dividends?See NBHC dividend history and benchmarks
Is National Bank Holdings undervalued compared to its fair value and its price relative to the market?
Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: NBHC ($38.85) is trading below our estimate of fair value ($88.59)
Significantly Below Fair Value: NBHC is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: NBHC is poor value based on its PE Ratio (13.7x) compared to the US Banks industry average (9.7x).
PE vs Market: NBHC is good value based on its PE Ratio (13.7x) compared to the US market (15.3x).
Price to Earnings Growth Ratio
PEG Ratio: NBHC is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: NBHC is overvalued based on its PB Ratio (1.4x) compared to the US Banks industry average (1.1x).
How is National Bank Holdings forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Future Growth Score5/6
Future Growth Score 5/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: NBHC's forecast earnings growth (38.5% per year) is above the savings rate (1.9%).
Earnings vs Market: NBHC's earnings (38.5% per year) are forecast to grow faster than the US market (12.5% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: NBHC's revenue (26.5% per year) is forecast to grow faster than the US market (7.8% per year).
High Growth Revenue: NBHC's revenue (26.5% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: NBHC's Return on Equity is forecast to be low in 3 years time (12.2%).
How has National Bank Holdings performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: NBHC has high quality earnings.
Growing Profit Margin: NBHC's current net profit margins (29.8%) are lower than last year (30.1%).
Past Earnings Growth Analysis
Earnings Trend: NBHC's earnings have grown significantly by 26.4% per year over the past 5 years.
Accelerating Growth: NBHC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: NBHC had negative earnings growth (-14.5%) over the past year, making it difficult to compare to the Banks industry average (20.9%).
Return on Equity
High ROE: NBHC's Return on Equity (10.4%) is considered low.
How is National Bank Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: NBHC's Assets to Equity ratio (9x) is low.
Allowance for Bad Loans: NBHC has a sufficient allowance for bad loans (440%).
Low Risk Liabilities: 98% of NBHC's liabilities are made up of primarily low risk sources of funding.
Loan Level: NBHC has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: NBHC's Loans to Deposits ratio (73%) is appropriate.
Level of Bad Loans: NBHC has an appropriate level of bad loans (0.2%).
What is National Bank Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 5/6
Future Dividend Coverage
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: NBHC's dividend (2.37%) is higher than the bottom 25% of dividend payers in the US market (1.58%).
High Dividend: NBHC's dividend (2.37%) is low compared to the top 25% of dividend payers in the US market (4.11%).
Stability and Growth of Payments
Stable Dividend: NBHC's dividends per share have been stable in the past 10 years.
Growing Dividend: NBHC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (32.3%), NBHC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: NBHC's dividends in 3 years are forecast to be well covered by earnings (23.8% payout ratio).
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Tim Laney (61 yo)
Mr. G. Timothy c, also known as Tim, has been the Chief Executive Officer and President of National Bank Holdings Corp. (NBH) at Bank Midwest, National Association since June 2010. Mr. Laney serves as the...
CEO Compensation Analysis
Compensation vs Market: Tim's total compensation ($USD3.01M) is about average for companies of similar size in the US market ($USD3.94M).
Compensation vs Earnings: Tim's compensation has been consistent with company performance over the past year.
Experienced Management: NBHC's management team is considered experienced (3.8 years average tenure).
Experienced Board: NBHC's board of directors are seasoned and experienced ( 11.9 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
National Bank Holdings Corporation's employee growth, exchange listings and data sources
- Name: National Bank Holdings Corporation
- Ticker: NBHC
- Exchange: NYSE
- Founded: 2009
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$1.167b
- Shares outstanding: 30.05m
- Website: https://www.nationalbankholdings.com
Number of Employees
- National Bank Holdings Corporation
- 7800 East Orchard Road
- Suite 300
- Greenwood Village
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/21 00:00|
|End of Day Share Price||2022/05/20 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.