
National Bank Holdings Corporation
NBHCNYSEFinancial ServicesBanks - Regional
Latest quote
$41.85
+$0.19 · +0.46%
NBHC company overview
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GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
74
Undervalued
Momentum
53
Neutral
Sentiment
63
Bullish
Risk resilience
79
Moderate Risk
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Company profile
Company websiteNational 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.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- G. Timothy Laney
- Listed since
- Sep 20, 2012
- Employees
- 1,276
Market position
- Volume
- 190.86K
- 0.49× average
- Average volume
- 389.46K
- Average daily volume
- Market cap
- 1.87B USD
- Beta
- 0.77
- Market reference 1
Financials
Financial snapshot
Latest / TTMValuation & yield
- P/E (TTM)
- 16.28×
- P/B (TTM)
- 0.96×
- P/S (TTM)
- 3.14×
- Dividend yield
- 2.99%
Profitability & efficiency
- Gross margin
- 77.06%
- Operating margin
- 21.74%
- Net margin
- 16.51%
Financial health
- Debt / equity
- 0.21×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 583.94M USD | 594.31M USD | 553.56M USD | 346.52M USD | 306.15M USD |
| Cost of goods sold | 179.97M USD | 199.64M USD | 141.76M USD | 54.58M USD | 4.53M USD |
| Gross profit | 403.97M USD | 394.68M USD | 411.8M USD | 291.94M USD | 301.62M USD |
| Selling, general, and administrative | 154.55M USD | 155.62M USD | 148.71M USD | 130.91M USD | 131.86M USD |
| Operating expenses | 261.24M USD | 249.43M USD | 236.2M USD | 205.75M USD | 186.65M USD |
| Interest income | 517.88M USD | 536.44M USD | 492.16M USD | 283.65M USD | 200.97M USD |
| Interest expense | 171.27M USD | 192.88M USD | 133.46M USD | 17.85M USD | 13.82M USD |
| Depreciation and amortization | 21.78M USD | 24.19M USD | 23.85M USD | 16.45M USD | 13.59M USD |
| Operating income | 142.73M USD | 145.25M USD | 175.6M USD | 86.18M USD | 114.97M USD |
| Net income | 109.57M USD | 118.82M USD | 142.05M USD | 71.27M USD | 93.61M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 64%
- 7 beats, 4 misses, 0 met estimates
- Average EPS surprise
- +0.21%
- 11 comparable reports
- Latest EPS result
- 0.78
- Estimate 0.81 · Miss by 3.70%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Rating distribution
10 ratingsNBHC peers
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