What is National Bk Hldgs Corp's earnings per share (EPS)?

National Bk Hldgs Corp (NBHC) reported diluted earnings per share of $2.85 for fiscal year 2025. This represents a -7.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

National Bk Hldgs Corp Financials

NBHC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows National Bk Hldgs Corp (NBHC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

6/9

National Bk Hldgs Corp passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.48x

For every $1 of reported earnings, National Bk Hldgs Corp generates $1.48 in operating cash flow ($162.4M OCF vs $109.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$47.1M

YoY+2.9%

5Y CAGR+7.8%

10Y CAGR-12.1%

National Bk Hldgs Corp generated $47.1M in revenue in fiscal year 2025. This represents an increase of 2.9% from the prior year.

EBITDA

N/A

Net Income

$109.6M

YoY-7.8%

5Y CAGR+4.3%

10Y CAGR+36.5%

National Bk Hldgs Corp reported $109.6M in net income in fiscal year 2025. This represents a decrease of 7.8% from the prior year.

EPS (Diluted)

$2.85

YoY-7.5%

5Y CAGR+0.0%

10Y CAGR+35.2%

National Bk Hldgs Corp earned $2.85 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 7.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$417.1M

YoY+226.2%

5Y CAGR-7.2%

10Y CAGR+9.6%

National Bk Hldgs Corp held $417.1M in cash against $54.5M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.20

YoY+7.1%

5Y CAGR+8.4%

10Y CAGR+19.6%

National Bk Hldgs Corp paid $1.20 per share in dividends in fiscal year 2025. This represents an increase of 7.1% from the prior year.

Shares Outstanding

38M

YoY-0.7%

5Y CAGR+4.3%

10Y CAGR+2.2%

National Bk Hldgs Corp had 38M shares outstanding in fiscal year 2025. This represents a decrease of 0.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

232.6%

YoY-26.8pp

5Y CAGR-40.8pp

10Y CAGR+229.8pp

National Bk Hldgs Corp's net profit margin was 232.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 26.8 percentage points from the prior year.

Return on Equity

7.9%

YoY-1.2pp

5Y CAGR-2.9pp

10Y CAGR+7.1pp

National Bk Hldgs Corp's ROE was 7.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$15.2M

5Y CAGR-4.9%

10Y CAGR-21.7%

National Bk Hldgs Corp spent $15.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

N/A

NBHC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$47.1M+2.9%	$45.8M-2.4%	$46.9M+22.5%	$38.3M+5.7%	$36.2M+11.8%	$32.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$171.3M-11.2%	$192.9M+44.5%	$133.5M+647.6%	$17.9M+29.2%	$13.8M-44.8%	$25.1M
Income Tax	$24.1M-9.0%	$26.4M-21.2%	$33.6M+125.0%	$14.9M-30.2%	$21.4M+2.7%	$20.8M
Net Income	$109.6M-7.8%	$118.8M-16.4%	$142.0M+99.3%	$71.3M-23.9%	$93.6M+5.7%	$88.6M
EPS (Diluted)	$2.85-7.5%	$3.08-17.2%	$3.72+70.6%	$2.18-27.6%	$3.01+5.6%	$2.85

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$13.9M+23.5%	$11.3M+1.8%	$11.1M+2.4%	$10.8M-3.2%	$11.2M-7.7%	$12.1M+5.3%	$11.5M+4.5%	$11.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$40.1M-8.8%	$44.0M+0.5%	$43.8M+1.2%	$43.3M-5.8%	$46.0M-8.7%	$50.4M+3.0%	$48.9M+2.5%	$47.7M
Income Tax	$3.1M-61.1%	$7.9M+4.5%	$7.5M+33.9%	$5.6M-14.1%	$6.5M-3.5%	$6.8M+20.6%	$5.6M-25.1%	$7.5M
Net Income	$16.0M-54.6%	$35.3M+3.7%	$34.0M+40.4%	$24.2M-14.0%	$28.2M-14.9%	$33.1M+26.7%	$26.1M-16.7%	$31.4M
EPS (Diluted)	N/A	$0.92+4.5%	$0.88+39.7%	$0.63	N/A	$0.86+26.5%	$0.68-17.1%	$0.82

NBHC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$9.9B+0.8%	$9.8B-1.4%	$10.0B+3.9%	$9.6B+32.7%	$7.2B+8.3%	$6.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$417.1M+226.2%	$127.8M-33.0%	$190.8M-2.4%	$195.5M-76.9%	$845.7M+39.7%	$605.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$306.0M0.0%	$306.0M0.0%	$306.0M+9.6%	$279.1M+142.7%	$115.0M0.0%	$115.0M
Total Liabilities	$8.5B0.0%	$8.5B-2.7%	$8.7B+3.0%	$8.5B+33.1%	$6.4B+9.2%	$5.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$54.5M+0.1%	$54.5M+0.6%	$54.2M+0.6%	$53.9M+36.5%	$39.5M	N/A
Total Equity	$1.4B+6.1%	$1.3B+7.6%	$1.2B+11.0%	$1.1B+30.0%	$840.1M+2.4%	$820.7M
Retained Earnings	$572.5M+12.5%	$508.9M+17.5%	$433.1M+31.0%	$330.7M+14.1%	$289.9M+29.9%	$223.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$9.9B-2.7%	$10.2B+1.5%	$10.0B-1.0%	$10.1B+3.0%	$9.8B-1.9%	$10.0B+0.2%	$10.0B0.0%	$10.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$417.1M-24.9%	$555.6M+87.4%	$296.5M+20.4%	$246.3M+92.6%	$127.8M-29.3%	$180.8M+24.7%	$145.0M-50.5%	$292.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%	$306.0M
Total Liabilities	$8.5B-3.2%	$8.8B+1.5%	$8.6B-1.4%	$8.8B+3.1%	$8.5B-2.3%	$8.7B-0.3%	$8.7B-0.1%	$8.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$54.5M-0.4%	$54.7M+0.7%	$54.4M-0.4%	$54.6M+0.1%	$54.5M+0.1%	$54.4M+0.1%	$54.4M+0.1%	$54.3M
Total Equity	$1.4B+0.7%	$1.4B+1.7%	$1.4B+1.7%	$1.3B+1.9%	$1.3B+1.0%	$1.3B+3.6%	$1.2B+1.3%	$1.2B
Retained Earnings	$572.5M+0.7%	$568.3M+4.4%	$544.4M+4.3%	$521.9M+2.6%	$508.9M+3.5%	$491.8M+4.7%	$469.6M+3.4%	$454.2M

NBHC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$162.4M+4.6%	$155.3M-7.0%	$166.9M-22.2%	$214.6M+19.6%	$179.5M+2989.6%	-$6.2M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$186.5M+188.4%	$64.7M+116.0%	-$404.0M+46.3%	-$752.1M-58.7%	-$473.8M-210.5%	-$152.6M
Financing Cash Flow	-$59.7M+79.0%	-$284.4M-223.2%	$230.9M+302.2%	-$114.2M-121.6%	$529.0M-19.1%	$654.2M
Dividends Paid	$46.1M+7.2%	$42.9M+8.3%	$39.6M+30.2%	$30.4M+13.2%	$26.9M+8.3%	$24.8M
Share Buybacks	$15.2M	N/A	N/A	N/A	$36.4M+86.9%	$19.5M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$38.1M-27.4%	$52.4M+62.0%	$32.3M-18.4%	$39.6M-14.7%	$46.4M-1.1%	$47.0M+47.1%	$31.9M+6.5%	$30.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$20.6M-90.0%	$206.7M+138.3%	$86.7M+168.0%	-$127.5M-205.9%	$120.4M+237.1%	-$87.8M-42.6%	-$61.5M-165.7%	$93.6M
Financing Cash Flow	-$197.1M-1095244.4%	$18K+100.0%	-$68.9M-133.4%	$206.3M+193.9%	-$219.7M-386.8%	$76.6M+164.8%	-$118.3M-415.1%	-$23.0M
Dividends Paid	$11.8M+3.1%	$11.4M-0.7%	$11.5M+2.1%	$11.3M+1.5%	$11.1M+3.6%	$10.7M-0.6%	$10.8M+4.7%	$10.3M
Share Buybacks	$2.1M-75.8%	$8.8M	N/A	N/A	N/A	N/A	N/A	N/A

NBHC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	232.6%-26.8pp	259.5%-43.4pp	302.9%+116.8pp	186.1%-72.3pp	258.3%-15.1pp	273.4%
Return on Equity	7.9%-1.2pp	9.1%-2.6pp	11.7%+5.2pp	6.5%-4.6pp	11.1%+0.4pp	10.8%
Return on Assets	1.1%-0.1pp	1.2%-0.2pp	1.4%+0.7pp	0.7%-0.6pp	1.3%-0.0pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.040.0	0.040.0	0.040.0	0.050.0	0.05-7.1	7.12
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	115.2%-197.8pp	312.9%+5.8pp	307.1%+83.2pp	223.9%-28.3pp	252.2%-21.1pp	273.3%+46.0pp	227.3%-57.9pp	285.2%
Return on Equity	1.2%-1.4pp	2.6%+0.1pp	2.5%+0.7pp	1.8%-0.3pp	2.2%-0.4pp	2.6%+0.5pp	2.1%-0.5pp	2.5%
Return on Assets	0.2%-0.2pp	0.4%+0.0pp	0.3%+0.1pp	0.2%-0.1pp	0.3%-0.0pp	0.3%+0.1pp	0.3%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.040.0	0.040.0	0.040.0	0.040.0	0.040.0	0.040.0	0.040.0	0.04
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is National Bk Hldgs Corp's annual revenue?

National Bk Hldgs Corp (NBHC) reported $47.1M in total revenue for fiscal year 2025. This represents a 2.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is National Bk Hldgs Corp's revenue growing?

National Bk Hldgs Corp (NBHC) revenue grew by 2.9% year-over-year, from $45.8M to $47.1M in fiscal year 2025.

Is National Bk Hldgs Corp profitable?

Yes, National Bk Hldgs Corp (NBHC) reported a net income of $109.6M in fiscal year 2025, with a net profit margin of 232.6%.

How much debt does National Bk Hldgs Corp have?

As of fiscal year 2025, National Bk Hldgs Corp (NBHC) had $417.1M in cash and equivalents against $54.5M in long-term debt.

What is National Bk Hldgs Corp's net profit margin?

National Bk Hldgs Corp (NBHC) had a net profit margin of 232.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does National Bk Hldgs Corp pay dividends?

Yes, National Bk Hldgs Corp (NBHC) paid $1.20 per share in dividends during fiscal year 2025.

What is National Bk Hldgs Corp's return on equity (ROE)?

National Bk Hldgs Corp (NBHC) has a return on equity of 7.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is National Bk Hldgs Corp's operating cash flow?

National Bk Hldgs Corp (NBHC) generated $162.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are National Bk Hldgs Corp's total assets?

National Bk Hldgs Corp (NBHC) had $9.9B in total assets as of fiscal year 2025, including both current and long-term assets.

Does National Bk Hldgs Corp buy back shares?

Yes, National Bk Hldgs Corp (NBHC) spent $15.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does National Bk Hldgs Corp have outstanding?

National Bk Hldgs Corp (NBHC) had 38M shares outstanding as of fiscal year 2025.

What is National Bk Hldgs Corp's debt-to-equity ratio?

National Bk Hldgs Corp (NBHC) had a debt-to-equity ratio of 0.04 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is National Bk Hldgs Corp's return on assets (ROA)?

National Bk Hldgs Corp (NBHC) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is National Bk Hldgs Corp's Piotroski F-Score?

National Bk Hldgs Corp (NBHC) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are National Bk Hldgs Corp's earnings high quality?

National Bk Hldgs Corp (NBHC) has an earnings quality ratio of 1.48x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.