National Bank Holdings Corporation

National Bank Holdings Corporation

NBHC · NYSE · Financial Services / Banks - Regional

37.35USD+0.31 (+0.84%)

Price History

Full chart

Market Stats

Previous Close37.04
Open37.20
Day Range36.87 – 37.38
52-Week Range33.97 – 46.91
Volume252.25K
Market Cap1.73B
P/E (TTM)16.38
Forward P/E13.79
EPS2.38
Dividend Yield3.28%
Beta0.83
50-Day Avg39.99
200-Day Avg41.38

About

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, health savings, 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 hospitality, office buildings, warehouse/distribution buildings, multi-family, and retail buildings; small business administration loans to support small businesses and entrepreneurs; 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 positive pay and other auxiliary services, including account reconciliation, collections, repurchase accounts, zero balance accounts, and sweep accounts. The company operates through a network of banking centers located in Colorado, the greater Kansas City region, Texas, Utah, Wyoming, New Mexico and Idaho. It also operates ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. The company was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. G. Timothy Laney
  • Employees1.25K
  • Headquarters7800 East Orchard Road, Greenwood Village, CO, United States, 80111, USA
  • Websitehttps://www.nationalbankholdings.com

Leadership

  • Mr. G. Timothy LaneyFounder, Chairman & CEO · b. 1960
  • Mr. Aldis Birkans C.F.A.President · b. 1974
  • Ms. Nicole L. Van DenabeeleExecutive VP & CFO · b. 1981
  • Ms. Angela Nicole PetrucciExecutive VP, Chief Administrative Officer, General Counsel & Secretary · b. 1977
  • Mr. Richard U. Newfield Jr.Executive VP & Chief Risk Management Officer · b. 1961
  • Mr. Patrick G. SobersIndependent Director · b. 1958
  • Ms. Emily GoodenSenior VP, Chief Accounting Officer & Investor Relations Director · b. 1987
  • Mr. Charlie KochMarket Manager of Commercial Banking & Director of Treasury Management
  • Mr. Daniel L. SznewajsChief Corporate Development Officer & Treasurer · b. 1979

Financials

Income Statement

Currency: USD2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue481.00K23.36M228.01M269.73M226.72M232.57M206.33M200.42M203.63M292.17M327.77M353.91M306.15M346.52M553.56M594.31M583.94M
Growth (%)-+4757.59%+875.87%+18.30%-15.95%+2.58%-11.28%-2.86%+1.60%+43.48%+12.18%+7.98%-13.49%+13.19%+59.75%+7.36%-1.75%
Cost of Revenue-5.60M61.70M57.23M20.81M20.62M26.91M38.46M31.09M29.15M48.41M42.69M4.53M54.58M141.76M199.63M179.97M
Gross Profit481.00K17.77M166.31M212.50M205.91M211.95M179.42M161.96M172.54M263.01M279.35M311.22M301.62M291.94M411.80M394.68M403.97M
Gross Margin100.00%76.03%72.94%78.78%90.82%91.13%86.96%80.81%84.73%90.02%85.23%87.94%98.52%84.25%74.39%66.41%69.18%
Operating Expense1.85M8.76M96.90M208.47M195.03M199.61M171.50M135.95M136.68M189.33M183.16M201.83M186.65M205.75M236.20M249.43M261.24M
Operating Income-1.37M9.00M69.41M4.04M10.88M12.34M7.92M26.01M35.86M73.68M96.19M109.40M114.97M86.18M175.60M145.25M142.73M
Operating Margin-283.99%38.54%30.44%1.50%4.80%5.31%3.84%12.98%17.61%25.22%29.35%30.91%37.55%24.87%31.72%24.44%24.44%
EBITDA-1.37M9.23M76.94M16.34M26.71M28.27M23.43M40.21M48.75M85.20M111.23M123.85M128.56M102.63M199.46M169.44M170.83M
EBITDA Margin-283.99%39.51%33.74%6.06%11.78%12.16%11.35%20.06%23.94%29.16%33.94%34.99%41.99%29.62%36.03%28.51%29.26%
Net Income-1.53M6.05M41.96M-543.00K6.93M9.18M4.88M23.06M14.58M61.45M80.36M88.59M93.61M71.27M142.05M118.81M109.57M
Net Income Margin-318.92%25.90%18.40%-0.20%3.06%3.95%2.37%11.51%7.16%21.03%24.52%25.03%30.58%20.57%25.66%19.99%18.76%
R&D---0000000-------
R&D as % of Total Revenue---0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense05.51M41.70M29.23M16.51M14.41M14.46M14.81M18.11M23.95M36.77M25.06M13.82M17.85M133.46M192.88M171.27M
Interest Expense % of Total Revenue0.00%23.59%18.29%10.84%7.28%6.20%7.01%7.39%8.90%8.20%11.22%7.08%4.51%5.15%24.11%32.45%29.33%

Balance Sheet

Currency: USD2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.10B5.11B6.35B5.41B4.91B4.82B4.68B4.57B4.84B5.68B5.90B6.66B7.21B9.57B9.95B9.81B9.88B
Total Liabilities2.36M4.11B5.26B4.32B4.02B4.03B4.07B4.04B4.31B4.98B5.13B5.84B39.48M8.48B8.74B8.50B8.50B
Total Equity1.10B993.76M1.09B1.09B897.79M794.58M617.54M536.19M532.41M695.01M766.92M820.69M7.17B1.09B1.21B1.31B1.39B
Cash1.72M1.51B1.52B769.18M189.46M256.98M166.09M152.74M257.36M109.56M110.19M605.57M845.70M195.50M190.83M127.85M417.06M
Total Debt--47.60M53.69M99.55M173.55M176.52M130.68M259.58M367.71M264.61M22.90M66.76M459.10M413.83M123.41M71.89M
Net Debt-1.72M-1.51B-1.47B-715.50M-89.91M-83.43M10.43M-22.06M2.21M258.15M154.42M-582.67M-806.22M263.60M223.00M-4.44M-345.17M

Cash Flow

Currency: USD2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-1.95M-19.07M-19.16M-130.84M-25.58M-2.75M-37.63M-3.94M58.14M73.57M42.48M-9.87M179.50M214.63M166.94M155.27M162.42M
Investing Cash Flow-80.00K1.17B205.45M132.33M-80.49M196.84M182.34M114.63M-178.52M-102.02M-113.28M-148.94M-473.84M-752.14M-404.03M64.66M186.49M
Financing Cash Flow1.10B-346.54M-465.89M-860.45M-473.65M-126.57M-235.60M-124.05M225.01M-109.36M71.44M654.18M528.99M-114.20M230.90M-284.41M-59.70M
Capital Expenditure80.00K950.00K21.82M41.08M6.80M1.58M5.08M10.34M5.62M6.28M11.20M4.35M5.15M12.43M36.83M34.59M29.92M
Free Cash Flow-2.02M-20.02M-40.98M-171.91M-32.38M-4.34M-42.71M-3.94M52.52M67.30M31.27M-14.22M179.50M202.20M130.10M120.68M132.50M
Dividends Paid---2.62M10.14M8.51M6.71M6.40M9.40M16.62M23.53M24.82M26.89M30.45M39.64M42.95M46.05M
FCF to OCF104.11%104.98%213.92%131.40%126.59%157.53%113.50%100.00%90.34%91.47%73.62%144.10%100.00%94.21%77.94%77.72%81.58%
Dividend Paid to FCF----1.52%-31.31%-196.01%-15.71%-162.60%17.90%24.70%75.24%-174.51%14.98%15.06%30.47%35.59%34.76%

Earnings

Report DateNov 1, 2012Jan 28, 2013Apr 29, 2013Jul 25, 2013Oct 24, 2013Jan 28, 2014Apr 24, 2014Jul 24, 2014Oct 23, 2014Jan 29, 2015Apr 23, 2015Jul 23, 2015Oct 22, 2015Jan 28, 2016Apr 21, 2016Jul 21, 2016Oct 20, 2016Jan 26, 2017Apr 20, 2017Jul 20, 2017Oct 18, 2017Jan 25, 2018Apr 26, 2018Jul 24, 2018Oct 23, 2018Jan 24, 2019Apr 23, 2019Jul 23, 2019Oct 22, 2019Jan 23, 2020Apr 21, 2020Jul 21, 2020Oct 20, 2020Jan 21, 2021Apr 22, 2021Jul 26, 2021Oct 19, 2021Jan 20, 2022Apr 18, 2022Jul 19, 2022Oct 27, 2022Jan 24, 2023Apr 19, 2023Jul 19, 2023Oct 24, 2023Jan 23, 2024Apr 24, 2024Jul 23, 2024Oct 22, 2024Jan 22, 2025Apr 22, 2025Jul 22, 2025Oct 21, 2025Jan 27, 2026Apr 21, 2026Jul 21, 2026Oct 20, 2026Oct 27, 2026
EPS Estimate0.070.070.070.060.060.070.030.060.100.070.020.010.030.100.200.190.220.210.230.260.290.310.340.470.540.530.520.610.650.570.410.320.580.660.700.700.620.610.600.640.700.830.960.930.860.820.760.740.740.770.750.790.850.820.650.830.840.36
EPS Actual0.060.060.040.060.060.020.030.050.080.060.03-0.010.020.160.010.150.300.360.300.330.260.360.470.570.580.550.600.640.690.620.500.620.910.880.860.770.640.740.600.670.500.911.060.850.940.870.820.680.860.860.630.880.920.600.720.78-0.06
Surprise-14.29%-14.29%-42.86%0.00%0.00%-71.43%0.00%-16.67%-20.00%-14.29%50.00%-200.00%-33.33%60.00%-95.00%-21.05%36.36%71.43%30.43%26.92%-10.34%16.13%38.24%21.28%7.41%3.77%15.38%4.92%6.15%8.77%21.95%93.75%56.90%33.33%22.86%10.00%3.23%21.31%0.00%4.69%-28.57%9.64%10.42%-8.60%9.30%6.10%7.89%-8.11%16.22%11.69%-16.00%11.39%8.24%-26.83%10.77%-6.02%--83.33%
TimingAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hours

Key Statistics & Ratios

Market Cap1.73B
Enterprise Value1.68B
Trailing P/E16.38
Forward P/E13.79
PEG Ratio1.57
Price / Sales3.82
Price / Book1.04
EPS2.38
Book Value37.48
Revenue (TTM)452.27M
Gross Profit (TTM)452.27M
Profit Margin21.80%
Operating Margin28.57%
Return on Equity6.53%
Return on Assets0.87%
Shares Outstanding44.29M
Shares Float42.53M
Beta0.83
Dividend Yield3.28%
Dividend Rate1.28
Payout Ratio41.23%

Analyst Ratings

Buy
Based on 4 analystsTarget 44.00
  • Strong Buy
    1
  • Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
96.22%
Insiders
5.78%
Retail / Other
0.00%

Top Institutional Holders

  • BlackRock Inc
    6.50M14.67%
  • Vanguard Portfolio Management, LLC
    2.74M6.18%
  • William Blair Investment Management, LLC
    2.50M5.64%
  • State Street Corp
    2.32M5.24%
  • Dimensional Fund Advisors, Inc.
    2.24M5.05%
  • Vanguard Capital Management, LLC
    1.91M4.32%
  • Charles Schwab Investment Management Inc
    1.69M3.81%
  • T. Rowe Price Investment Management,Inc.
    1.38M3.11%
  • Wellington Management Company LLP
    1.30M2.94%
  • Westwood Holdings Group Inc
    1.28M2.88%
  • Geode Capital Management, LLC
    1.14M2.57%
  • DePrince Race & Zollo Inc
    884.55K2.00%
  • Segall Bryant & Hamill
    863.92K1.95%
  • Renaissance Technologies Corp
    715.45K1.62%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    2.67M6.02%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.35M3.06%
  • Schwab US Dividend Equity ETF™
    1.23M2.78%
  • iShares Russell 2000 ETF
    1.08M2.45%
  • Vanguard Small Cap Index
    952.87K2.15%
  • T. Rowe Price Small-Cap Value
    787.65K1.78%

Dividends

20263×
0.32Aug 28, 20260.32May 29, 20260.32Feb 27, 2026
20254×
0.31Nov 28, 20250.30Aug 29, 20250.30May 30, 20250.29Feb 28, 2025
20244×
0.29Nov 29, 20240.28Aug 30, 20240.28May 31, 20240.27Feb 22, 2024
20234×
0.27Nov 22, 20230.26Aug 24, 20230.26May 25, 20230.25Feb 23, 2023
20224×
0.25Nov 23, 20220.23Aug 25, 20220.23May 26, 20220.23Feb 24, 2022
20214×
0.22Nov 24, 20210.22Aug 26, 20210.22May 27, 20210.21Feb 25, 2021
20201×
0.20Nov 25, 2020