National Bank (NBHC) Stock Price, News & Analysis

Company Overview

National Bank Holdings Corporation (NYSE: NBHC) is a U.S. bank holding company that provides a broad range of banking and financial services through its subsidiaries. Headquartered in Roswell, Georgia, the company operates community banks and specialized financial units serving both consumer and commercial clients. Its offerings include deposit accounts, commercial and consumer lending, treasury management, and mortgage services. Through its subsidiary, Strata Wealth Partners, NBHC also delivers wealth management and trust services.

In its commercial banking business, National Bank supports small and mid-sized businesses with term loans, lines of credit, commercial real estate financing, and Small Business Administration (SBA) lending. On the retail side, the company offers personal checking and savings accounts, home equity lines of credit, residential mortgages, and digital banking platforms. Treasury management solutions include payment processing, fraud prevention services, and liquidity management tools designed to meet the needs of growing enterprises.

NBHC’s roots trace back to the founding of The National Bank of West Georgia in 1975. The organization reorganized as a bank holding company in 2018 to facilitate strategic acquisitions and geographic expansion. Since then, NBHC has grown through selective mergers and acquisitions, notably integrating Citizens First Bank and LegacyTexas Bank into its family of community banks. These moves have expanded the company’s presence in Georgia, Texas, Florida, Minnesota, and the Washington, D.C. metropolitan area.

Under the leadership of President and Chief Executive Officer Barry B. Stowe, National Bank has focused on building long-term client relationships and diversifying its revenue streams. Stowe, together with Chief Financial Officer David Mackey and a seasoned executive management team, oversees the company’s financial operations, risk management, and integration of new businesses. Through its community banking philosophy and strategic growth initiatives, NBHC aims to deliver tailored financial solutions and personalized service to individual and institutional clients across its markets.

Key Stats

• Today's Range: $39.36 to $40.07
• 50-Day Range: $35.58 to $40.04
• 52-Week Range: $32.83 to $51.76
• Volume: 157,861 shs
• Average Volume: 226,537 shs
• Market Capitalization: $1.53 billion
• P/E Ratio: 13.81
• Dividend Yield: 3.00%
• Price Target: $46.00
• Consensus Rating: Hold

National Bank Stock Analysis - MarketRank™

National Bank scored higher than 72% of companies evaluated by MarketBeat, and ranked 1192nd out of 2,763 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: 2.1 / 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 13.81, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of National Bank is 13.81, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.02.

Price to Book Value per Share Ratio

National Bank has a P/B Ratio of 1.17. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.94% 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 2.8, 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 1.61%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

National Bank pays a meaningful dividend of 3.00%, 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

1.94% 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 2.8, 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 1.61%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.53

News Sentiment

National Bank has a news sentiment score of 0.53. 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 lower news sentiment than the 0.71 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 10 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 7.0% and is now trading at $40.04.

How were National Bank's earnings last quarter?

National Bank Holdings Corporation (NYSE:NBHC) posted its quarterly earnings data on Tuesday, April, 22nd. The financial services provider reported $0.63 earnings per share for the quarter, missing analysts' consensus estimates of $0.76 by $0.13. The financial services provider had revenue of $102.07 million for the quarter, compared to the consensus estimate of $107.47 million. National Bank had a net margin of 18.75% and a trailing twelve-month return on equity of 9.02%.
Read the conference call transcript.

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

• Last Earnings: 4/22/2025
• Record date for 6/13 Dividend: 5/30/2025
• Ex-Dividend for 6/13 Dividend: 5/30/2025
• Dividend Payable: 6/13/2025
• Today: 7/04/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• 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: +14.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.20
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.90
• Trailing P/E Ratio: 13.81
• Forward P/E Ratio: 12.10
• P/E Growth: N/A
• Net Income: $118.82 million
• Net Margins: 18.75%
• Pretax Margin: 22.88%
• Return on Equity: 9.02%
• Return on Assets: 1.17%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 0.93
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $599.50 million
• Price / Sales: 2.54
• Cash Flow: $3.92 per share
• Price / Cash Flow: 10.22
• Book Value: $34.29 per share
• Price / Book: 1.17

Miscellaneous

• Outstanding Shares: 38,090,000
• Free Float: 36,989,000
• Market Cap: $1.53 billion
• Optionable: Optionable
• Beta: 0.77