National Bank (NBHC) Stock Price, News & Analysis

Company 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. 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 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 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, New Mexico, Utah, Wyoming, Idaho, and Texas. 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.

Key Stats

• Today's Range: $36.06 to $36.63
• 50-Day Range: $33.91 to $39.59
• 52-Week Range: $32.83 to $51.76
• Volume: 174,712 shs
• Average Volume: 231,467 shs
• Market Capitalization: $1.38 billion
• P/E Ratio: 11.70
• Dividend Yield: 3.32%
• Price Target: $46.00
• Consensus Rating: Hold

National Bank Stock Analysis - MarketRank™

National Bank scored higher than 87% of companies evaluated by MarketBeat, and ranked 235th out of 931 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.1 / 5
• Analyst Rating: Hold

Consensus Rating

National Bank has received a consensus rating of Hold. The company's average rating score is 2.20, and is based on 1 buy rating, 4 hold ratings, and no sell ratings.

Amount of Analyst Coverage

National Bank has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 4.23%

Earnings Growth

Earnings for National Bank are expected to grow by 4.23% in the coming year, from $3.31 to $3.45 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of National Bank is 11.70, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.20.

Price to Earnings Ratio vs. Sector

The P/E ratio of National Bank is 11.70, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.30.

Price to Book Value per Share Ratio

National Bank has a P/B Ratio of 1.05. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.88% of the float of National Bank has been sold short.

Short Interest Ratio / Days to Cover

National Bank has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in National Bank has recently decreased by 7.62%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

National Bank pays a meaningful dividend of 3.17%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

National Bank has been increasing its dividend for 10 years.

Dividend Coverage

The dividend payout ratio of National Bank is 41.38%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, National Bank will have a dividend payout ratio of 34.78% next year. This indicates that National Bank will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.88% of the float of National Bank has been sold short.

Short Interest Ratio / Days to Cover

National Bank has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in National Bank has recently decreased by 7.62%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 1.55

News Sentiment

National Bank has a news sentiment score of 1.55. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.98 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for National Bank this week, compared to 4 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, National Bank insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 2.90% of the stock of National Bank is held by insiders.

Percentage Held by Institutions

92.65% of the stock of National Bank is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

NBHC Stock Analysis - Frequently Asked Questions

How have NBHC shares performed this year?

National Bank's stock was trading at $43.06 on January 1st, 2025. Since then, NBHC stock has decreased by 16.0% and is now trading at $36.16.
View the best growth stocks for 2025 here.

How were National Bank's earnings last quarter?

National Bank Holdings Co. (NYSE:NBHC) posted its quarterly earnings data on Tuesday, April, 22nd. The financial services provider reported $0.63 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.76 by $0.13. The financial services provider earned $102.07 million during the quarter, compared to the consensus estimate of $107.47 million. National Bank had a trailing twelve-month return on equity of 9.76% and a net margin of 19.82%.
Read the conference call transcript.

Who are National Bank's major shareholders?

National Bank's top institutional shareholders include Vanguard Group Inc. (11.02%), Wellington Management Group LLP (7.61%), Victory Capital Management Inc. (7.49%) and T. Rowe Price Investment Management Inc. (5.97%). Insiders that own company stock include G Timothy Laney, Richard U Jr Newfield, Ralph W Clermont, Robert E Dean, Patrick G Sobers, Art Zeile, Christopher S Randall and Valerie D Kramer.
View institutional ownership trends.

How do I buy shares of National Bank?

Shares of NBHC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of National Bank own?

Based on aggregate information from My MarketBeat watchlists, some other companies that National Bank investors own include Tesla (TSLA), JPMorgan Chase & Co. (JPM), Meta Platforms (META), Advanced Micro Devices (AMD), NVIDIA (NVDA), Netflix (NFLX) and Alphabet (GOOG).

Company Calendar

• Record date for 3/14 Dividend: 2/28/2025
• Ex-Dividend for 3/14 Dividend: 2/28/2025
• Dividend Payable: 3/14/2025
• Last Earnings: 4/22/2025
• Today: 5/30/2025
• Record date for 6/13 Dividend: 5/30/2025
• Ex-Dividend for 6/13 Dividend: 5/30/2025
• Dividend Payable: 6/13/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:NBHC
• CIK: 1475841
• Web: www.nationalbankholdings.com
• Phone: (720) 554-6640
• Fax: N/A
• Employees: 1,320
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $46.00
• High Stock Price Target: $52.00
• Low Stock Price Target: $39.00
• Potential Upside/Downside: +27.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.20
• Research Coverage: 5 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $2.90
• Trailing P/E Ratio: 11.74
• Forward P/E Ratio: 10.94
• P/E Growth: N/A
• Net Income: $118.82 million
• Net Margins: 19.82%
• Pretax Margin: 24.23%
• Return on Equity: 9.76%
• Return on Assets: 1.25%

Debt

• Debt-to-Equity Ratio: 0.08
• Current Ratio: 0.95
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $402.02 million
• Price / Sales: 3.43
• Cash Flow: $2.94 per share
• Price / Cash Flow: 12.30
• Book Value: $34.33 per share
• Price / Book: 1.05

Miscellaneous

• Outstanding Shares: 38,094,000
• Free Float: 36,836,000
• Market Cap: $1.38 billion
• Optionable: Optionable
• Beta: 0.77