National Bank (NBHC) Stock Price, News & Analysis

Company Overview

National Bank Holdings Corporation (NYSE: NBHC) is a diversified financial services holding company headquartered in Cape Girardeau, Missouri. Through its network of community bank subsidiaries, the company provides deposit, lending and payment solutions to consumer, small business and commercial clients across multiple U.S. markets.

Since its founding in 1992, National Bank Holdings has pursued a growth strategy focused on acquiring and integrating locally branded community banks. Its footprint spans the Midwest and Southern United States, including Missouri, Kansas, Oklahoma, Texas, Colorado, Illinois and Tennessee. By maintaining local governance and customer relationships at the subsidiary level, the organization combines community‐bank responsiveness with centralized capital and operational expertise.

National Bank’s core offerings encompass checking and savings accounts, residential and commercial lending, agricultural and construction financing, treasury and cash management services, and mortgage origination. Its wealth management division delivers investment advisory, fiduciary and retirement plan services, while affiliated entities provide insurance brokerage and risk management solutions.

The company is governed by a board of directors and led by senior executives with extensive experience in banking and finance. National Bank Holdings remains committed to community‐oriented banking, reinvesting in its local markets through charitable initiatives, economic development partnerships and a customer‐centric approach to service.

Key Stats

• Today's Range: $37.99 to $38.62
• 50-Day Range: $36.02 to $40.49
• 52-Week Range: $32.83 to $51.76
• Volume: 357,170 shs
• Average Volume: 271,593 shs
• Market Capitalization: $1.46 billion
• P/E Ratio: 12.40
• Dividend Yield: 3.12%
• Price Target: $47.20
• Consensus Rating: Moderate Buy

National Bank Stock Analysis - MarketRank™

National Bank scored higher than 87% of companies evaluated by MarketBeat, and ranked 251st out of 956 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: 3.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

National Bank has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 4 hold ratings, and no sell ratings.

Upside Potential

National Bank has a consensus price target of $47.20, representing about 22.8% upside from its current price of $38.44.

Amount of Analyst Coverage

National Bank has only been the subject of 3 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 12.40, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of National Bank is 12.40, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.79.

Price to Book Value per Share Ratio

National Bank has a P/B Ratio of 1.12. 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

1.35% 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 1.7, 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 19.26%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

National Bank pays a meaningful dividend of 3.12%, 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 38.71%. 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

1.35% 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 1.7, 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 19.26%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.96

News Sentiment

National Bank has a news sentiment score of 0.96. 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 1.07 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 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 at the beginning of the year. Since then, NBHC shares have decreased by 10.7% and is now trading at $38.4420.

How were National Bank's earnings last quarter?

National Bank Holdings Corporation (NYSE:NBHC) released its earnings results on Tuesday, July, 22nd. The financial services provider reported $0.88 earnings per share for the quarter, beating the consensus estimate of $0.82 by $0.06. The firm's revenue was up 7.0% compared to the same quarter last year.
Read the conference call transcript.

Who are National Bank's major shareholders?

National Bank's top institutional investors include State Street Corp (4.51%), Westwood Holdings Group Inc. (4.12%), Westwood Holdings Group Inc. (4.13%) and Geode Capital Management LLC (2.37%). Insiders that own company stock include G Timothy Laney, Richard U Jr Newfield, Ralph W Clermont, 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

• Last Earnings: 7/22/2025
• Record date for 9/15 Dividend: 8/29/2025
• Ex-Dividend for 9/15 Dividend: 8/29/2025
• Today: 9/14/2025
• Dividend Payable: 9/15/2025
• Next Earnings (Estimated): 10/28/2025
• 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: 1,309
• Year Founded: 2009

Price Target and Rating

• Average Price Target for National Bank: $47.20
• High Price Target: $52.00
• Low Price Target: $42.00
• Potential Upside/Downside: +22.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.10
• Trailing P/E Ratio: 12.40
• Forward P/E Ratio: 11.61
• P/E Growth: N/A
• Net Income: $118.82 million
• Net Margins: 20.02%
• Pretax Margin: 24.45%
• Return on Equity: 9.44%
• Return on Assets: 1.25%

Debt

• Debt-to-Equity Ratio: 0.18
• Current Ratio: 0.93
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $599.50 million
• Price / Sales: 2.44
• Cash Flow: $3.85 per share
• Price / Cash Flow: 9.98
• Book Value: $34.29 per share
• Price / Book: 1.12

Miscellaneous

• Outstanding Shares: 38,050,000
• Free Float: 36,943,000
• Market Cap: $1.46 billion
• Optionable: Optionable
• Beta: 0.78