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Upturn AI SWOT - About
National Bank Holdings Corporation (NBHC)
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Upturn Advisory Summary
06/30/2025: NBHC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $41.25
1 Year Target Price $41.25
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.2% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.43B USD | Price to earnings Ratio 13.01 | 1Y Target Price 41.25 |
Price to earnings Ratio 13.01 | 1Y Target Price 41.25 | ||
Volume (30-day avg) 4 | Beta 0.75 | 52 Weeks Range 32.56 - 50.68 | Updated Date 06/30/2025 |
52 Weeks Range 32.56 - 50.68 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.20% | Basic EPS (TTM) 2.89 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.64% | Operating Margin (TTM) 36.09% |
Management Effectiveness
Return on Assets (TTM) 1.11% | Return on Equity (TTM) 8.72% |
Valuation
Trailing PE 13.01 | Forward PE - | Enterprise Value 1318344320 | Price to Sales(TTM) 3.67 |
Enterprise Value 1318344320 | Price to Sales(TTM) 3.67 | ||
Enterprise Value to Revenue 3.89 | Enterprise Value to EBITDA - | Shares Outstanding 38094300 | Shares Floating 37210530 |
Shares Outstanding 38094300 | Shares Floating 37210530 | ||
Percent Insiders 2.2 | Percent Institutions 99.71 |
Analyst Ratings
Rating 2 | Target Price 41.25 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
National Bank Holdings Corporation
Company Overview
History and Background
National Bank Holdings Corporation (NBHC) was founded in 2009 and is headquartered in Greenwood Village, Colorado. It operates as a bank holding company for various community banks. It has grown through acquisitions and organic expansion, focusing on relationship-based community banking.
Core Business Areas
- Commercial Banking: Offers a range of lending, deposit, and treasury management services to small and medium-sized businesses.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers wealth management, investment advisory, and trust services.
Leadership and Structure
The leadership team includes Steve Seifert as Chairman and Tim Laney as CEO. The organizational structure is typical of a bank holding company, with regional bank presidents reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes (e.g., working capital, expansion). Market share data is fragmented, varying by region. Competitors include larger national banks (e.g., JPM, BAC) and regional players.
- Mortgage Loans: Residential mortgage loans for homebuyers. Market share varies regionally. Competitors include Wells Fargo, US Bank, and independent mortgage lenders.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share is region-specific. Competitors include Chase, Bank of America, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently navigating a changing interest rate environment, increased regulatory scrutiny, and evolving customer expectations. Fintech competition is also a significant factor.
Positioning
NBHC is positioned as a regional community bank focused on relationship banking. Its competitive advantage lies in personalized service and local market knowledge.
Total Addressable Market (TAM)
The total addressable market for banking services is in the trillions of dollars. NBHC holds a small portion of this TAM, focusing on specific geographic regions and customer segments.
Upturn SWOT Analysis
Strengths
- Strong relationships with local communities
- Experienced management team
- Healthy balance sheet
- Efficient operations
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on regional economies
- Lower brand recognition compared to larger banks
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- USB
- KEY
- BOKF
Competitive Landscape
NBHC faces competition from larger national banks and smaller community banks. Its ability to offer personalized service and local expertise is a key differentiator.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth information is unavailable at this time.
Future Projections: Future Projections information is unavailable at this time.
Recent Initiatives: Recent Initatives information is unavailable at this time.
Summary
National Bank Holdings Corporation is a regional bank with a focus on community banking and localized services. Its strengths lie in customer relationships and local market expertise. However, it faces challenges from larger competitors and a changing economic environment. Careful cost management and strategic growth initiatives are essential for long-term success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About National Bank Holdings Corporation
Exchange NYSE | Headquaters Greenwood Village, CO, United States | ||
IPO Launch date 2012-09-20 | Chairman & CEO Mr. G. Timothy Laney | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1259 | |
Full time employees 1259 | |||
National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, health savings, and other deposit accounts, including fixed-rate and fixed maturity time deposits ranging. The company also provides commercial and industrial loans and leases, such as working capital loans, equipment loans, lender finance loans, food and agriculture loans, government and non-profit loans, owner occupied commercial real estate loans, and other commercial loans and leases; non-owner occupied commercial real estate loans consisting of loans on commercial properties, such as hospitality, office buildings, warehouse/distribution buildings, multi-family, and retail buildings; small business administration loans to support small businesses and entrepreneurs; term loans, line of credits, and real estate secured loans; residential real estate loans; and consumer loans. In addition, it offers treasury management solutions comprising online and mobile banking, commercial credit card, wire transfer, automated clearing house, electronic bill payment, lock box, remote deposit capture, merchant processing, cash vault, controlled disbursements, and fraud prevention services, as well as positive pay and other auxiliary services, including account reconciliation, collections, repurchase accounts, zero balance accounts, and sweep accounts. The company operates through a network of banking centers located in Colorado, the greater Kansas City region, New Mexico, Utah, Wyoming, Idaho, and Texas. It also operates ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. The company was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.
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