What is NATIONAL BANK HOLDINGS CORP.'s earnings per share (EPS)?

NATIONAL BANK HOLDINGS 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 BANK HOLDINGS CORP. (NBHC) Financials

NBHC

Trailing 12 months to June 30, 2026

Revenue $465.4M +12.5% YoY

Net Income $98.6M -17.5% YoY

EPS (Diluted) $2.38 -23.0% YoY

Operating Cash Flow $168.8M +2.0% YoY

Market Cap $1.6B as of Oct 14, 2026

Price / Sales 3.5x on $465.4M revenue, trailing 12 months to June 30, 2026

Price / Earnings 16.7x on $98.6M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $1.7B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the NBHC SEC filings page.

NATIONAL BANK HOLDINGS CORP. (NBHC) reported $465.4M in revenue over the twelve months to Jun 30, 2026, up 12.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI NBHC FY2025 2026-10-04

The numbers describe a lightly debt-funded bank whose earnings weakened after FY2023 even as its capital base kept expanding.

Revenue was broadly stable from FY2023 through FY2025, yet net profit margin narrowed from 33.4% to 26.3%, pointing to weaker earnings efficiency rather than a shrinking operating base. In FY2025, operating cash flow of $162.4M exceeded net income of $109.6M, showing that the cash-flow statement reflects additional balance-sheet movements beyond reported profitability.

Equity expanded from $1.21B in FY2023 to $1.39B in FY2025, creating a larger capital cushion. Debt-to-equity fell to 0.0394x, indicating that the stronger capital position was not built through heavier long-term debt.

Reported interest expense rose from $133.5M in FY2023 to $192.9M in FY2024, coinciding with the period when profitability weakened. Although the expense eased in FY2025, net margin remained below its FY2023 level, suggesting that funding costs continued to shape earnings rather than representing a one-year disruption.

Financial Health Signals

Financial Health Score 53/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of NATIONAL BANK HOLDINGS CORP.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

NATIONAL BANK HOLDINGS CORP. earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.2% the prior year. Earnings ranks banks on that return over three years, and NATIONAL BANK HOLDINGS CORP. scores 74/100 among other banks.

Growth

NATIONAL BANK HOLDINGS CORP. reported revenue of $416.1M in fiscal year 2025, against $406.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and NATIONAL BANK HOLDINGS CORP. scores 14/100 among other banks.

Capital

NATIONAL BANK HOLDINGS CORP. funded 14.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.4B of equity against $9.9B of assets. Capital ranks banks on that cushion, and NATIONAL BANK HOLDINGS CORP. scores 75/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. NATIONAL BANK HOLDINGS CORP. scores 57/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. NATIONAL BANK HOLDINGS CORP. scores 42/100 on it among other banks.

Stability

NATIONAL BANK HOLDINGS CORP. reported net income of $109.6M in fiscal year 2025, against $118.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and NATIONAL BANK HOLDINGS CORP. scores 54/100 among other banks.

Piotroski F-Score Partial

5/7

NATIONAL BANK HOLDINGS CORP. passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.48x

For every $1 of reported earnings, NATIONAL BANK HOLDINGS 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

$129.1M

YoY+23.5%

QoQ+1.8%

5Y CAGR+13.0%

10Y CAGR+11.0%

NATIONAL BANK HOLDINGS CORP. generated $129.1M in revenue in Q2 2026. This represents an increase of 23.5% from the same quarter a year earlier. Against the prior quarter it is up 1.8%.

Net Income

$26.5M

YoY-22.1%

QoQ+27.4%

5Y CAGR+1.8%

10Y CAGR+19.4%

NATIONAL BANK HOLDINGS CORP. reported $26.5M in net income in Q2 2026. This represents a decrease of 22.1% from the same quarter a year earlier. Against the prior quarter it is up 27.4%.

EPS (Diluted)

$0.58

YoY-34.1%

QoQ+26.1%

5Y CAGR-5.5%

10Y CAGR+14.5%

NATIONAL BANK HOLDINGS CORP. earned $0.58 per diluted share (EPS) in Q2 2026. This represents a decrease of 34.1% from the same quarter a year earlier. Against the prior quarter it is up 26.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$380.7M

YoY+28.4%

QoQ-19.5%

5Y CAGR-17.6%

10Y CAGR+9.9%

NATIONAL BANK HOLDINGS CORP. held $380.7M in cash against $202.0M in long-term debt as of Q2 2026.

Dividends Per Share

$0.32

YoY+6.7%

QoQ0.0%

5Y CAGR+7.8%

NATIONAL BANK HOLDINGS CORP. paid $0.32 per share in dividends in Q2 2026. This represents an increase of 6.7% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

45M

YoY+17.1%

QoQ-0.6%

5Y CAGR+7.7%

10Y CAGR+4.5%

NATIONAL BANK HOLDINGS CORP. had 45M shares outstanding in Q2 2026. This represents an increase of 17.1% from the same quarter a year earlier. Against the prior quarter it is down 0.6%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

20.5%

YoY-12.0pp

QoQ+4.1pp

5Y change-14.0pp

10Y change+10.6pp

NATIONAL BANK HOLDINGS CORP.'s net profit margin was 20.5% in Q2 2026, showing the share of revenue converted to profit. This is down 12.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.1 percentage points.

Return on Equity

1.6%

YoY-0.9pp

QoQ+0.3pp

5Y change-1.3pp

10Y change+0.8pp

NATIONAL BANK HOLDINGS CORP.'s ROE was 1.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$11.1M

QoQ-30.9%

NATIONAL BANK HOLDINGS CORP. spent $11.1M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 30.9%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

NBHC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NBHC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$465.4M	$416.1M+2.3%	$406.6M-4.5%	$425.9M+27.4%	$334.1M+12.3%	$297.5M-10.7%	$333.2M+15.5%	$288.6M+7.6%	$268.2M+44.6%	$185.5M-0.1%	$185.7M+4.1%	$178.4M+5.8%	$168.6M-15.4%	$199.1M-17.6%	$241.6M-1.4%	$244.9M
SG&A Expenses	$187.6M	$148.3M+1.4%	$146.2M+6.2%	$137.7M+10.2%	$125.0M-2.0%	$127.5M-9.7%	$141.2M+15.0%	$122.7M+6.8%	$114.9M+43.3%	$80.2M+0.5%	$79.8M-3.9%	$83.0M+0.2%	$82.8M-8.0%	$90.0M-4.4%	$94.1M+39.5%	$67.5M
Interest Expense	$187.2M	$171.3M-11.2%	$192.9M+44.5%	$133.5M+647.6%	$17.9M+29.2%	$13.8M-44.8%	$25.1M-31.9%	$36.8M+53.5%	$24.0M+32.2%	$18.1M+22.3%	$14.8M+2.4%	$14.5M+0.3%	$14.4M-12.7%	$16.5M-43.5%	$29.2M-29.9%	$41.7M
Income Tax	$22.2M	$24.1M-9.0%	$26.4M-21.2%	$33.6M+125.0%	$14.9M-30.2%	$21.4M+2.7%	$20.8M+31.4%	$15.8M+29.4%	$12.2M-42.5%	$21.3M+622.2%	$2.9M-3.2%	$3.0M-3.8%	$3.2M-19.9%	$4.0M-13.8%	$4.6M-83.3%	$27.4M
Net Income	$98.6M	$109.6M-7.8%	$118.8M-16.4%	$142.0M+99.3%	$71.3M-23.9%	$93.6M+5.7%	$88.6M+10.2%	$80.4M+30.8%	$61.5M+321.5%	$14.6M-36.8%	$23.1M+372.4%	$4.9M-46.8%	$9.2M+32.5%	$6.9M+1375.7%	-$543K-101.3%	$42.0M
EPS (Basic)	N/A	$2.86-7.7%	$3.10-17.1%	$3.74+70.0%	$2.20-27.6%	$3.04+5.9%	$2.87+11.7%	$2.57+28.5%	$2.00+270.4%	$0.54-33.3%	$0.81+478.6%	$0.14-36.4%	$0.22+57.1%	$0.14+1500.0%	-$0.01-101.2%	$0.81
EPS (Diluted)	$2.38	$2.85-7.5%	$3.08-17.2%	$3.72+70.6%	$2.18-27.6%	$3.01+5.6%	$2.85+11.8%	$2.55+30.8%	$1.95+267.9%	$0.53-32.9%	$0.79+464.3%	$0.14-36.4%	$0.22+57.1%	$0.14+1500.0%	-$0.01-101.2%	$0.81
Diluted Shares (Avg)	N/A	38M-0.9%	38M+0.8%	38M+16.6%	33M+5.2%	31M0.0%	31M-1.4%	32M+0.3%	31M+13.4%	28M-4.7%	29M-15.3%	34M-19.0%	42M-16.5%	51M-2.7%	52M+0.2%	52M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$129.1M+23.5%	$126.8M+24.2%	$100.6M-0.6%	$108.9M+2.7%	$104.5M+7.0%	$102.1M+0.3%	$101.3M-4.1%	$106.0M-1.0%
SG&A Expenses	$54.4M+44.0%	$57.0M+65.8%	$38.4M+8.4%	$37.8M+1.2%	$37.7M+2.2%	$34.4M-5.9%	$35.5M+2.9%	$37.3M+6.6%
Interest Expense	$52.7M+20.3%	$50.3M+16.4%	$40.1M-12.6%	$44.0M-12.5%	$43.8M-10.4%	$43.3M-9.3%	$46.0M+1.7%	$50.4M+31.3%
Income Tax	$6.1M-18.7%	$5.2M-8.3%	$3.1M-53.3%	$7.9M+16.0%	$7.5M+33.9%	$5.6M-25.1%	$6.5M+13.2%	$6.8M-27.4%
Net Income	$26.5M-22.1%	$20.8M-14.2%	$16.0M-43.1%	$35.3M+6.6%	$34.0M+30.2%	$24.2M-22.8%	$28.2M-14.9%	$33.1M-8.3%
EPS (Basic)	$0.58-34.8%	$0.46-27.0%	$0.42-42.5%	$0.92+7.0%	$0.89+30.9%	$0.63-23.2%	$0.73-16.1%	$0.86-9.5%
EPS (Diluted)	$0.58-34.1%	$0.46-27.0%	$0.42-41.7%	$0.92+7.0%	$0.88+29.4%	$0.63-23.2%	$0.72-17.2%	$0.86-8.5%
Diluted Shares (Avg)	45M+17.7%	45M+16.7%	N/A	38M-1.2%	38M-0.6%	38M+0.1%	N/A	38M+0.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

NBHC Balance Sheet

NBHC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$9.9B+0.8%	$9.8B-1.4%	$10.0B+3.9%	$9.6B+32.7%	$7.2B+8.3%	$6.7B+13.0%	$5.9B+3.9%	$5.7B+17.2%	$4.8B+5.9%	$4.6B-2.4%	$4.7B-2.8%	$4.8B-1.9%	$4.9B-9.2%	$5.4B-14.8%	$6.4B
Cash & Equivalents	$417.1M+226.2%	$127.8M-33.0%	$190.8M-2.4%	$195.5M-76.9%	$845.7M+39.7%	$605.6M+449.6%	$110.2M+0.6%	$109.6M-57.4%	$257.4M+68.5%	$152.7M-8.0%	$166.1M-35.4%	$257.0M+35.6%	$189.5M-75.4%	$769.2M-52.8%	$1.6B
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$306.0M0.0%	$306.0M0.0%	$306.0M+9.6%	$279.1M+142.7%	$115.0M0.0%	$115.0M0.0%	$115.0M0.0%	$115.0M+92.9%	$59.6M0.0%	$59.6M0.0%	$59.6M+0.1%	$59.6M0.0%	$59.6M-0.1%	$59.6M0.0%	$59.6M
Total Liabilities	$8.5B0.0%	$8.5B-2.7%	$8.7B+3.0%	$8.5B+33.1%	$6.4B+9.2%	$5.8B+13.9%	$5.1B+2.9%	$5.0B+15.6%	$4.3B+6.8%	$4.0B-0.7%	$4.1B+1.0%	$4.0B+0.2%	$4.0B-7.0%	$4.3B-17.9%	$5.3B
Long-Term Debt	$54.5M+0.1%	$54.5M+0.6%	$54.2M+0.6%	$53.9M+36.5%	$39.5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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+7.0%	$766.9M+10.3%	$695.0M+30.5%	$532.4M-0.7%	$536.2M-13.2%	$617.5M-22.3%	$794.6M-11.5%	$897.8M-17.7%	$1.1B+0.2%	$1.1B
Retained Earnings	$572.5M+12.5%	$508.9M+17.5%	$433.1M+31.0%	$330.7M+14.1%	$289.9M+29.9%	$223.2M+36.0%	$164.1M+53.4%	$107.0M+76.0%	$60.8M+9.6%	$55.5M+43.4%	$38.7M-4.6%	$40.5M+1.4%	$40.0M-7.6%	$43.3M-6.9%	$46.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$12.6B+25.9%	$12.6B+24.9%	$9.9B+0.8%	$10.2B+1.6%	$10.0B+0.3%	$10.1B+1.3%	$9.8B-1.4%	$10.0B+1.3%
Cash & Equivalents	$380.7M+28.4%	$472.8M+92.0%	$417.1M+226.2%	$555.6M+207.3%	$296.5M+104.5%	$246.3M-15.9%	$127.8M-33.0%	$180.8M-37.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$455.4M+48.8%	$454.7M+48.6%	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%
Total Liabilities	$10.9B+26.3%	$10.9B+24.9%	$8.5B0.0%	$8.8B+0.9%	$8.6B-0.9%	$8.8B+0.4%	$8.5B-2.7%	$8.7B0.0%
Long-Term Debt	$202.0M+271.4%	$202.1M+270.3%	$54.5M+0.1%	$54.7M+0.6%	$54.4M+0.1%	$54.6M+0.6%	$54.5M+0.6%	$54.4M+0.6%
Total Equity	$1.7B+23.4%	$1.7B+25.2%	$1.4B+6.1%	$1.4B+6.4%	$1.4B+8.4%	$1.3B+7.9%	$1.3B+7.6%	$1.3B+11.0%
Retained Earnings	$590.4M+8.5%	$578.5M+10.8%	$572.5M+12.5%	$568.3M+15.5%	$544.4M+15.9%	$521.9M+14.9%	$508.9M+17.5%	$491.8M+19.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

NBHC Cash Flow Statement

NBHC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$168.8M	$162.4M+4.6%	$155.3M-7.0%	$166.9M-22.2%	$214.6M+19.6%	$179.5M+2989.6%	-$6.2M-114.0%	$44.2M-39.9%	$73.6M+26.5%	$58.1M+1577.1%	-$3.9M+89.5%	-$37.6M-1262.3%	-$2.8M+89.2%	-$25.6M+80.5%	-$130.8M-583.0%	-$19.2M
Depreciation & Amortization	N/A	$28.1M+16.2%	$24.2M+1.4%	$23.9M+45.0%	$16.4M+21.1%	$13.6M-6.0%	$14.4M-3.9%	$15.0M+30.5%	$11.5M-10.6%	$12.9M-9.3%	$14.2M-8.4%	$15.5M-2.7%	$15.9M+0.6%	$15.8M+28.7%	$12.3M+75.0%	$7.0M
Stock-Based Compensation	N/A	$7.3M-9.9%	$8.0M+11.4%	$7.2M+19.2%	$6.1M+9.3%	$5.5M+4.6%	$5.3M+8.8%	$4.9M+10.2%	$4.4M+21.2%	$3.6M+4.5%	$3.5M+4.3%	$3.3M-6.2%	$3.6M-26.5%	$4.9M-62.8%	$13.1M+4.1%	$12.6M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$5.1M+220.6%	$1.6M-76.7%	$6.8M-83.4%	$41.1M+88.2%	$21.8M
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-$42.7M-882.5%	-$4.3M+86.6%	-$32.4M+81.2%	-$171.9M-319.5%	-$41.0M
Investing Cash Flow	$15.6M	$186.5M+188.4%	$64.7M+116.0%	-$404.0M+46.3%	-$752.1M-58.7%	-$473.8M-210.5%	-$152.6M-32.6%	-$115.1M-12.8%	-$102.0M+42.9%	-$178.5M-255.7%	$114.6M-37.1%	$182.3M-7.4%	$196.8M+344.6%	-$80.5M-160.8%	$132.3M-35.6%	$205.5M
Financing Cash Flow	-$100.2M	-$59.7M+79.0%	-$284.4M-223.2%	$230.9M+302.2%	-$114.2M-121.6%	$529.0M-19.1%	$654.2M+815.7%	$71.4M+165.3%	-$109.4M-148.6%	$225.0M+281.4%	-$124.0M+47.3%	-$235.6M-86.2%	-$126.6M+73.3%	-$473.7M+45.0%	-$860.5M-84.7%	-$465.9M
Dividends Paid	$52.5M	$46.1M+7.2%	$42.9M+8.3%	$39.6M+30.2%	$30.4M+13.2%	$26.9M+8.3%	$24.8M+5.5%	$23.5M+41.5%	$16.6M+76.8%	$9.4M+46.9%	$6.4M-4.6%	$6.7M-21.1%	$8.5M-16.1%	$10.1M+287.6%	$2.6M	$0
Share Buybacks	$38.2M	$15.2M	N/A	N/A	N/A	$36.4M+86.9%	$19.5M	N/A	N/A	N/A	$93.6M-46.5%	$175.0M+46.6%	$119.4M-18.6%	$146.7M	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$135.1M+317.8%	-$56.8M-243.4%	$38.1M-18.0%	$52.4M+11.6%	$32.3M+1.3%	$39.6M+32.3%	$46.4M+4.0%	$47.0M-2.4%
Depreciation & Amortization	$11.1M+88.3%	$9.0M+41.5%	$8.3M+31.1%	$7.6M+29.5%	$5.9M-1.4%	$6.3M+5.1%	$6.3M-0.5%	$5.9M-4.5%
Stock-Based Compensation	N/A	$6.3M+272.6%	N/A	N/A	N/A	$1.7M+8.1%	N/A	N/A
Investing Cash Flow	-$258.1M-397.6%	$46.5M+136.5%	$20.6M-82.9%	$206.7M+335.4%	$86.7M+240.9%	-$127.5M-236.2%	$120.4M+160.6%	-$87.8M-193.2%
Financing Cash Flow	$30.9M+144.9%	$66.0M-68.0%	-$197.1M+10.3%	$18K-100.0%	-$68.9M+41.8%	$206.3M+998.1%	-$219.7M-510.2%	$76.6M+251.1%
Dividends Paid	$14.5M+26.0%	$14.7M+30.7%	$11.8M+6.2%	$11.4M+6.7%	$11.5M+6.8%	$11.3M+9.4%	$11.1M+8.3%	$10.7M+8.5%
Share Buybacks	$11.1M	$16.1M	$2.1M	$8.8M	N/A	N/A	N/A	N/A

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

NBHC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NBHC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	26.3%-2.9pp	29.2%-4.1pp	33.4%+12.0pp	21.3%-10.1pp	31.5%+4.9pp	26.6%-1.3pp	27.9%+4.9pp	22.9%+15.0pp	7.9%-4.6pp	12.4%+9.7pp	2.7%-2.7pp	5.4%+2.0pp	3.5%+3.7pp	-0.2%-17.4pp	17.1%
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%+0.3pp	10.5%+1.6pp	8.8%+6.1pp	2.7%-1.6pp	4.3%+3.5pp	0.8%-0.4pp	1.1%+0.4pp	0.8%+0.8pp	-0.1%-3.9pp	3.9%
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%0.0pp	1.4%+0.3pp	1.1%+0.8pp	0.3%-0.2pp	0.5%+0.4pp	0.1%-0.1pp	0.2%+0.1pp	0.1%+0.1pp	0.0%-0.7pp	0.7%
Debt-to-Equity	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.05-7.1x	7.12+0.4x	6.69-0.5x	7.17-0.9x	8.10+0.6x	7.53+0.9x	6.58+1.5x	5.07+0.6x	4.47+0.5x	3.96-0.9x	4.83
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-23.9%-21.4pp	-2.6%+13.7pp	-16.3%+54.9pp	-71.2%-54.4pp	-16.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	20.5%-12.0pp	16.4%-7.3pp	15.9%-11.9pp	32.4%+1.2pp	32.6%+5.8pp	23.7%-7.1pp	27.8%-3.5pp	31.2%-2.5pp
Return on Equity	1.6%-0.9pp	1.3%-0.6pp	1.2%-1.0pp	2.6%0.0pp	2.5%+0.4pp	1.8%-0.7pp	2.2%-0.6pp	2.6%-0.5pp
Return on Assets	0.2%-0.1pp	0.2%-0.1pp	0.2%-0.1pp	0.4%0.0pp	0.3%+0.1pp	0.2%-0.1pp	0.3%0.0pp	0.3%0.0pp
Debt-to-Equity	0.12+0.1x	0.12+0.1x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
NATIONAL BANK HOLDINGS CORP. NBHC	FY2025	$416.1M	$109.6M	26.3%	$1.6B	53/100
Trico Bancshares TCBK	FY2025	$419.2M	$121.6M	29.0%	$1.6B	56/100
Hope Bancorp, Inc. HOPE	FY2025	$498.7M	$62.0M	12.4%	$1.7B	34/100
Byline Bancorp, Inc. BY	FY2025	$446.3M	$130.1M	29.1%	$1.7B	59/100
Stellar Bancorp, Inc. STEL	FY2025	$423.4M	$102.9M	24.3%	$2.0B	20/100
German American Bancorp, Inc. GABC	FY2025	$487.4M	$112.6M	23.1%	$1.8B	69/100

Where NATIONAL BANK HOLDINGS CORP. Ranks

Frequently Asked Questions

What is NATIONAL BANK HOLDINGS CORP.'s annual revenue?

NATIONAL BANK HOLDINGS CORP. (NBHC) reported $416.1M in total revenue for fiscal year 2025. This represents a 2.3% 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 BANK HOLDINGS CORP.'s revenue growing?

NATIONAL BANK HOLDINGS CORP. (NBHC) revenue grew by 2.3% year-over-year, from $406.6M to $416.1M in fiscal year 2025.

Is NATIONAL BANK HOLDINGS CORP. profitable?

Yes, NATIONAL BANK HOLDINGS CORP. (NBHC) reported a net income of $109.6M in fiscal year 2025, with a net profit margin of 26.3%.

How much debt does NATIONAL BANK HOLDINGS CORP. have?

As of fiscal year 2025, NATIONAL BANK HOLDINGS CORP. (NBHC) had $417.1M in cash and equivalents against $54.5M in long-term debt.

What is NATIONAL BANK HOLDINGS CORP.'s net profit margin?

NATIONAL BANK HOLDINGS CORP. (NBHC) had a net profit margin of 26.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does NATIONAL BANK HOLDINGS CORP. pay dividends?

Yes, NATIONAL BANK HOLDINGS CORP. (NBHC) paid $1.20 per share in dividends during fiscal year 2025.

What is NATIONAL BANK HOLDINGS CORP.'s return on equity (ROE)?

NATIONAL BANK HOLDINGS 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 BANK HOLDINGS CORP.'s operating cash flow?

NATIONAL BANK HOLDINGS CORP. (NBHC) generated $162.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are NATIONAL BANK HOLDINGS CORP.'s total assets?

NATIONAL BANK HOLDINGS CORP. (NBHC) had $9.9B in total assets as of fiscal year 2025, including both current and long-term assets.

Does NATIONAL BANK HOLDINGS CORP. buy back shares?

Yes, NATIONAL BANK HOLDINGS 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 BANK HOLDINGS CORP. have outstanding?

NATIONAL BANK HOLDINGS CORP. (NBHC) had 45M shares outstanding as of fiscal year 2025.

What is NATIONAL BANK HOLDINGS CORP.'s debt-to-equity ratio?

NATIONAL BANK HOLDINGS 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 BANK HOLDINGS CORP.'s return on assets (ROA)?

NATIONAL BANK HOLDINGS 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 BANK HOLDINGS CORP.'s P/E ratio?

NATIONAL BANK HOLDINGS CORP. (NBHC) trades at 16.7x earnings, its market capitalization divided by net income of $98.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.6B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is NATIONAL BANK HOLDINGS CORP.'s price-to-sales ratio?

NATIONAL BANK HOLDINGS CORP. (NBHC) trades at 3.5x sales, its market capitalization divided by revenue of $465.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.6B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is NATIONAL BANK HOLDINGS CORP.'s Piotroski F-Score?

NATIONAL BANK HOLDINGS CORP. (NBHC) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are NATIONAL BANK HOLDINGS CORP.'s earnings high quality?

NATIONAL BANK HOLDINGS 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.

How financially healthy is NATIONAL BANK HOLDINGS CORP.?

NATIONAL BANK HOLDINGS CORP. (NBHC) scores 53 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.