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

Trailing 12 months to June 30, 2026

Revenue $48.5M +7.3% YoY

Net Income $98.6M -17.5% YoY

EPS (Diluted) $2.38 -23.0% YoY

Free Cash Flow Not reported for the trailing 12 months

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

National Bk Hldgs Corp (NBHC) reported $48.5M in revenue over the twelve months to Jun 30, 2026, up 7.3% 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 2026-08-29

Liability-funded balance-sheet growth supports the business while returns compress despite operating cash flow remaining above net income.

From FY2023 to FY2025, assets stayed near $9.9B while ROA fell from 1.4% to 1.1%, showing weaker earnings productivity rather than balance-sheet contraction. Net income declined to $109.6M as ROE fell to 7.9%, so the reduced returns reflect both lower earnings and a larger equity base.

The FY2025 balance sheet was heavily liability-funded, with liabilities equal to 86.0% of assets while the debt-to-equity ratio remained under 0.1x. Reported long-term debt was only $54.5M, indicating that conventional long-term borrowing is not the main source of balance-sheet funding.

Reported operating cash flow of $162.4M exceeded net income of $109.6M in FY2025, supporting cash conversion quality even as absolute operating cash flow declined from $214.6M in FY2022. Shares outstanding also rose to 45.0M from 38.1M in FY2024, adding dilution pressure alongside the earnings decline.

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 Bk Hldgs 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

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

5/7

National Bk Hldgs 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 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.

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 CAGR0.0%

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.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

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

45M

YoY+18.3%

5Y CAGR+8.0%

10Y CAGR+4.3%

National Bk Hldgs Corp had 45M shares outstanding in fiscal year 2025. This represents an increase of 18.3% from the prior year.

Free Cash Flow

Not reported for fiscal year 2025.

Margins & Returns

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Net Margin

Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

Share Buybacks

$15.2M

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

R&D Spending

Not reported for fiscal year 2025.

Capital Expenditures

Not reported for fiscal year 2025.

NBHC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

NBHC quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$48.5M	$47.1M+2.9%	$45.8M-2.4%	$46.9M+22.5%	$38.3M+5.7%	$36.2M+11.8%	$32.4M-86.6%	$242.6M+9.6%	$221.4M+34.6%	$164.4M+2.5%	$160.4M-6.4%	$171.4M-7.2%	$184.7M-5.5%	$195.5M-16.3%	$233.5M+18.4%	$197.2M
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 (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

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$11.9M+5.2%	$11.3M-18.5%	$13.9M+23.5%	$11.3M+1.8%	$11.1M+2.4%	$10.8M-3.2%	$11.2M-7.7%	$12.1M
SG&A Expenses	$54.4M-4.6%	$57.0M+48.2%	$38.4M+1.8%	$37.8M+0.1%	$37.7M+9.8%	$34.4M-3.1%	$35.5M-5.0%	$37.3M
Interest Expense	$52.7M+4.7%	$50.3M+25.4%	$40.1M-8.8%	$44.0M+0.5%	$43.8M+1.2%	$43.3M-5.8%	$46.0M-8.7%	$50.4M
Income Tax	$6.1M+18.8%	$5.2M+68.7%	$3.1M-61.1%	$7.9M+4.5%	$7.5M+33.9%	$5.6M-14.1%	$6.5M-3.5%	$6.8M
Net Income	$26.5M+27.4%	$20.8M+29.7%	$16.0M-54.6%	$35.3M+3.7%	$34.0M+40.4%	$24.2M-14.0%	$28.2M-14.9%	$33.1M
EPS (Diluted)	$0.58+26.1%	$0.46+9.5%	$0.42-54.3%	$0.92+4.5%	$0.88+39.7%	$0.63-12.5%	$0.72-16.3%	$0.86

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

NBHC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

NBHC quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$12.6B-0.2%	$12.6B+27.6%	$9.9B-2.7%	$10.2B+1.5%	$10.0B-1.0%	$10.1B+3.0%	$9.8B-1.9%	$10.0B
Cash & Equivalents	$380.7M-19.5%	$472.8M+13.4%	$417.1M-24.9%	$555.6M+87.4%	$296.5M+20.4%	$246.3M+92.6%	$127.8M-29.3%	$180.8M
Goodwill	$455.4M+0.2%	$454.7M+48.6%	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%	$306.0M0.0%	$306.0M
Total Liabilities	$10.9B-0.3%	$10.9B+28.8%	$8.5B-3.2%	$8.8B+1.5%	$8.6B-1.4%	$8.8B+3.1%	$8.5B-2.3%	$8.7B
Long-Term Debt	$202.0M-0.1%	$202.1M+270.6%	$54.5M-0.4%	$54.7M+0.7%	$54.4M-0.4%	$54.6M+0.1%	$54.5M+0.1%	$54.4M
Total Equity	$1.7B+0.3%	$1.7B+20.2%	$1.4B+0.7%	$1.4B+1.7%	$1.4B+1.7%	$1.3B+1.9%	$1.3B+1.0%	$1.3B
Retained Earnings	$590.4M+2.1%	$578.5M+1.1%	$572.5M+0.7%	$568.3M+4.4%	$544.4M+4.3%	$521.9M+2.6%	$508.9M+3.5%	$491.8M

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

NBHC Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

NBHC quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$135.1M+337.8%	-$56.8M-249.3%	$38.1M-27.4%	$52.4M+62.0%	$32.3M-18.4%	$39.6M-14.7%	$46.4M-1.1%	$47.0M
Investing Cash Flow	-$258.1M-654.6%	$46.5M+126.3%	$20.6M-90.0%	$206.7M+138.3%	$86.7M+168.0%	-$127.5M-205.9%	$120.4M+237.1%	-$87.8M
Financing Cash Flow	$30.9M-53.2%	$66.0M+133.5%	-$197.1M-1095244.4%	$18K+100.0%	-$68.9M-133.4%	$206.3M+193.9%	-$219.7M-386.8%	$76.6M
Dividends Paid	$14.5M-1.5%	$14.7M+24.9%	$11.8M+3.1%	$11.4M-0.7%	$11.5M+2.1%	$11.3M+1.5%	$11.1M+3.6%	$10.7M
Share Buybacks	$11.1M-30.9%	$16.1M+657.1%	$2.1M-75.8%	$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.

NBHC quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	232.6%	259.5%	302.9%	186.1%	258.3%	273.4%	33.1%+5.4pp	27.8%+18.9pp	8.9%-5.5pp	14.4%+11.5pp	2.9%-2.1pp	5.0%+1.4pp	3.5%+3.8pp	-0.2%-21.5pp	21.3%
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
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-24.9%-22.6pp	-2.4%+14.2pp	-16.6%+57.1pp	-73.6%-52.8pp	-20.8%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	221.9%	183.3%	115.2%	312.9%	307.1%	223.9%	252.2%	273.3%
Return on Equity	1.6%+0.3pp	1.3%+0.1pp	1.2%-1.4pp	2.6%+0.1pp	2.5%+0.7pp	1.8%-0.3pp	2.2%-0.4pp	2.6%
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%-0.2pp	0.4%0.0pp	0.3%+0.1pp	0.2%-0.1pp	0.3%0.0pp	0.3%
Debt-to-Equity	0.120.0x	0.12+0.1x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04

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

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.

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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.

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.

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 45M 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 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 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.

How financially healthy is National Bk Hldgs Corp?

National Bk Hldgs 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.