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Company Analysis

National Bank Holdings Corporat NBHC

A comprehensive view of key metrics, scores, and financial health for National Bank Holdings Corporat

Overview of National Bank Holdings Corporation

NBHC NYQ
Financial Services Banks - Regional Small Cap
National Bank Holdings Corporation (NBHC), is a Small Cap company, in the Banks - Regional industry, last closed at $38.85, about 3.4% overvalued vs fair value, -2.0% 1Y return, placing in the top 25% of its sector.
$38.85
-0.13%
As of March 13, 2026
Previous close • Vol 90d: 25.2%
52-Week Range
Market Cap
$1.78B
Enterprise Value
$1.44B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.nationalbankholdin...
HQ Greenwood Village, CO
Employees 1,250
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$21
$38
$70
Current: $38.85 -3% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$518.1M
-3.4%%
Interest Expense
$171.3M
Net Interest Income
$346.8M
0.9%%
Total Revenue
$583.9M
45.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.1%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$61.2M
51.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating National Bank Holdings Corporat's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
55
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NBHC's balance between Growth (25.0%), Profitability (36.2%), and Safety (38.8%). Growth 25% Safety 39% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

40th percentile vs peers
41
Key Signals
Revenue CAGR 3Y 21.1% 59p Rev Growth YoY 45.5% 38p Asset Growth YoY 0.8% 25p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth below peer median (percentile: 40)

Profitability

59th percentile vs peers
59
Key Signals
Strengths
Risks
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Safety

63th percentile vs peers
64
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for National Bank Holdings Corporat.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$37.53
- - -
-3.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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