National Bank Holdings Corporation (NBHC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 329 | 292 | 329 | 420 | 401 | 413 | 410 | - |
| Operating profit | $m | 143 | 130 | ||||||
| Net profit | $m | 89 | 94 | 71 | 142 | 119 | 110 | 99 | 126 |
| EPS reported | $ | 2.85 | 2.57 | ||||||
| Operating cashflow per share | $ | 4.25 | 4.42 | ||||||
| Capex per share | $ | 0.78 | 1.09 | ||||||
| FCF per share | $ | 3.47 | 3.33 | ||||||
| Free cash flow | $m | 132 | 127 | ||||||
| Net debt | $m | -874 | -1,476 | ||||||
| Book value equity | $m | 1,385 | 1,669 | ||||||
| Book value per share | $ | 36.28 | 43.72 | ||||||
| Number of shares | m | 38.18 | 38.18 | ||||||
| DPS (TTM paid) | $ | 1.20 | 1.27 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.34 | 15.63 | ||||||
| P/B LTM | x | 1.05 | 0.87 | ||||||
| P/S LTM | x | 3.52 | 3.54 | ||||||
| P/FCF LTM | x | 10.95 | 11.42 | ||||||
| EV/EBITDA LTM | x | 6.72 | 6.93 | ||||||
| EV/Sales LTM | x | 1.89 | 3.21 | ||||||
| Earnings Yield LTM | % | +7.50% | +6.40% | ||||||
| FCF Yield | % | +9.13% | +8.75% | ||||||
| Quality | |||||||||
| ROE | % | +7.91% | +6.47% | ||||||
| ROIC | % | +1.82% | +0.84% | ||||||
| Operating margin | % | +24.44% | +21.74% | ||||||
| Gross margin | % | +69.18% | +77.06% | ||||||
| FCF/Sales | % | +22.69% | +21.27% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -7.47% | -16.56% | ||||||
| Sales Growth YoY | % | +2.80% | +2.16% | ||||||
| Net Income Growth YoY | % | -7.78% | -17.01% | ||||||
| FCF Growth | % | +9.79% | +5.28% | ||||||
| Operating Profit Growth | % | -1.73% | -10.58% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.17% | +2.87% | ||||||
| Dividend Growth | % | +7.14% | +13.39% | ||||||
| Payout Ratio | % | +42.32% | +53.53% | ||||||
| FCF/Debt | x | 1.84 | 0.37 | ||||||
| Net Debt/EBITDA | x | -2.10 | -0.21 | ||||||
| EBIT/Net interest | x | 0.83 | 0.69 | ||||||
| Net debt/market cap | % | +4.95% | +17.81% | ||||||
| Net debt/Equity | x | -0.63 | -0.88 | ||||||
| Gross debt/equity | x | 0.05 | 0.21 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
National Bank Holdings Corporation (NBHC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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