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Upturn AI SWOT - About
NBHC 
National Bank Holdings Corporation (NBHC)
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Upturn Advisory Summary
09/12/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $43.75
1 Year Target Price $43.75
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -23.72% | 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 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.46B USD | Price to earnings Ratio 12.45 | 1Y Target Price 43.75 |
Price to earnings Ratio 12.45 | 1Y Target Price 43.75 | ||
Volume (30-day avg) 4 | Beta 0.77 | 52 Weeks Range 32.31 - 50.29 | Updated Date 09/13/2025 |
52 Weeks Range 32.31 - 50.29 | Updated Date 09/13/2025 | ||
Dividends yield (FY) 3.06% | Basic EPS (TTM) 3.09 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.92% | Operating Margin (TTM) 42.58% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 9.2% |
Valuation
Trailing PE 12.45 | Forward PE - | Enterprise Value 1403637120 | Price to Sales(TTM) 3.66 |
Enterprise Value 1403637120 | Price to Sales(TTM) 3.66 | ||
Enterprise Value to Revenue 4.16 | Enterprise Value to EBITDA - | Shares Outstanding 38045600 | Shares Floating 37161822 |
Shares Outstanding 38045600 | Shares Floating 37161822 | ||
Percent Insiders 2.2 | Percent Institutions 99.8 |
Upturn AI SWOT
National Bank Holdings Corporation
Company Overview
History and Background
National Bank Holdings Corporation (NBHC) was founded in 2009. It serves as a bank holding company for community banks across the Mountain and Midwest states. It provides relationship banking services, focusing on serving the needs of businesses, professionals and individuals.
Core Business Areas
- Commercial Banking: Offers a variety of lending and deposit products to businesses, including commercial real estate, equipment financing, and working capital lines of credit.
- Personal Banking: Provides checking and savings accounts, mortgages, and other consumer loans to individuals and families.
- Wealth Management: Offers wealth management and investment services to high-net-worth individuals.
Leadership and Structure
NBHC is led by a board of directors and a senior management team. The organizational structure includes various departments responsible for different aspects of banking operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. NBHC competes with regional and national banks such as Wells Fargo, US Bank, and KeyCorp. Market share data for specific CRE portfolios is difficult to obtain at this granular level, but NBHC's portfolio is a segment of the overall commercial real estate lending market.
- Business Banking Solutions: Deposit accounts, loans, and treasury management services for small and medium-sized businesses. Competitors include Bank of America, JPMorgan Chase, and smaller regional banks. Market share is fragmented across the regional banking space.
- Mortgage Lending: Mortgage products for residential property. Competition includes Quicken Loans, major national banks, and credit unions. Market share is reflective of a regional player.
Market Dynamics
Industry Overview
The banking industry is facing increased competition, regulatory changes, and technological advancements. Interest rates and economic conditions significantly influence profitability.
Positioning
NBHC is a regional bank focused on relationship banking in the Mountain and Midwest states. It differentiates itself through personalized service and local market expertise.
Total Addressable Market (TAM)
The TAM for regional banking in the US is in the trillions of dollars. NBHC is a small player in the overall market, focusing on specific geographic regions and customer segments.
Upturn SWOT Analysis
Strengths
- Strong presence in Mountain and Midwest states
- Relationship-focused banking model
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Reliance on specific industries within its market areas
- Higher operating costs than bigger banks
Opportunities
- Expanding into new markets within the Mountain and Midwest regions
- Acquiring smaller banks or credit unions
- Investing in technology to improve efficiency and customer service
- Growing wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns in its core markets
- Changes in regulatory requirements
- Rising interest rates
Competitors and Market Share
Key Competitors
- WAFD
- UMB Financial Corporation (UMBF)
- First Interstate BancSystem (FIBK)
Competitive Landscape
NBHC faces competition from larger national banks and other regional players. Its competitive advantage lies in its local market expertise and relationship-focused approach, although, it has a smaller balance sheet.
Growth Trajectory and Initiatives
Historical Growth: Growth performance over previous years. Requires up-to-date financial data.
Future Projections: Analyst predictions for the company's expansion. Based on analyst reports.
Recent Initiatives: Strategic actions the company has recently taken.
Summary
National Bank Holdings Corporation is a regional bank with a solid presence in the Mountain and Midwest states. Its relationship-focused approach and local market expertise are strengths. However, it faces competition from larger banks and needs to diversify its operations to achieve sustainable growth. NBHC's long-term success depends on effective management, technological investments, and prudent risk management.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- MarketWatch
- Yahoo Finance
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share estimates are approximate and may vary. Real-time stock data can vary.
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 | Founder, 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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