National Bank Holdings Corp
NBHC NYSE· National Commercial Banks
Last close · Oct 23, 2026
$38.88
KIRA · Stoqly’s AI analyst, in plain words
- National Bank Holdings Corp had $47.1M of revenue in fiscal 2025, up 2.9% on the year before. Over five years, revenue changed +7.8% a year on average.
- National Bank Holdings Corp made $110M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 15.3% a year.
- National Bank Holdings Corp returned $61.2M to shareholders in fiscal 2025. The diluted share count fell 0.9%.
- It earned 8.1% on shareholders’ money. Running costs took 561.9% of revenue (the efficiency ratio; lower is better).
Market cap
$1.7B
P/E
16.3x
Revenue
$47.1M
Net income
$110M
Return on equity
8.1%
Efficiency ratio
561.9%
National Bank Holdings Corp in 30 seconds · fiscal 2025
Are sales growing?
+2.9%
Only a little. Sales grew 2.9% last year.
Does it make a profit?
232.6%
Yes. It keeps 232.6% of every sale as profit.
How lean are its costs?
561.9%
Costly. Running costs take 561.9% of revenue.
How much does it earn on its capital?
8.1%
Fair. It earns 8.1% a year on shareholders’ money.
How is the share priced?
16.3x
One share costs 16.3 times its yearly profit per share.
What National Bank Holdings Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 24, 2026
- Legal name
- National Bank Holdings Corp
- CIK
- 0001475841
National Bank Holdings Corp · NBHC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $36.2M | $38.3M | $46.9M | $45.8M | $47.1M |
| Revenue growth | 11.8% | 5.7% | 22.5% | −2.4% | 2.9% |
| Net interest income | $187M | $267M | $362M | $345M | $349M |
| Net income | $93.6M | $71.3M | $142M | $119M | $110M |
| Net margin | 258.3% | 186.1% | 302.8% | 259.5% | 232.6% |
| Diluted EPS | $3.01 | $2.18 | $3.72 | $3.08 | $2.85 |
| Cash | |||||
| Cash from operations | $180M | $215M | $167M | $155M | $162M |
| Dividends paid | $26.9M | $30.4M | $39.6M | $42.9M | $46.1M |
| Share buybacks | $36.4M | — | — | — | $15.2M |
| Share count change | −0.0% | 5.2% | 16.6% | 0.8% | −0.9% |
| Debt and strength | |||||
| Cash and short-term investments | $846M | $196M | $191M | $128M | $417M |
| Debt incl. finance leases | $39.5M | $53.9M | $54.2M | $54.5M | $54.5M |
| Loans, net | $4.5B | $7.1B | $7.6B | $7.7B | $7.3B |
| Deposits | $6.2B | $7.9B | $8.2B | $8.2B | $8.3B |
| Shareholders' equity | $840M | $1.1B | $1.2B | $1.3B | $1.4B |
| Returns and quality | |||||
| Return on equity | 11.3% | 7.4% | 12.3% | 9.4% | 8.1% |
| Return on tangible equity | 13.1% | 9.4% | 16.9% | 12.6% | 10.5% |
| Efficiency ratio | 529.4% | 551.5% | 515.9% | 556.1% | 561.9% |
| Piotroski F-score | — | 3 | 6 | 3 | 6 |
Insiders bought, 12 months
$1.0M
1 insider
Insiders sold, 12 months
$0.3M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
National Bank Holdings Corp · NBHC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $38.88 a share, the company is worth $1.7B: 16.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001475841). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.