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National Bank Holdings Corporation (NBHC)

Upturn stock ratingUpturn stock rating
$39.21
Last Close (24-hour delay)
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PASS
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  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

08/28/2025: NBHC (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$43.75 Target price
52w Low $32.31
Current$39.21
52w High $50.29

Analysis of Past Performance

Type Stock
Historic Profit -22.53%
Avg. Invested days 32
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.49B USD
Price to earnings Ratio 12.69
1Y Target Price 43.75
Price to earnings Ratio 12.69
1Y Target Price 43.75
Volume (30-day avg) 4
Beta 0.75
52 Weeks Range 32.31 - 50.29
Updated Date 08/29/2025
52 Weeks Range 32.31 - 50.29
Updated Date 08/29/2025
Dividends yield (FY) 3.03%
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 12.69
Forward PE -
Enterprise Value 1432171264
Price to Sales(TTM) 3.73
Enterprise Value 1432171264
Price to Sales(TTM) 3.73
Enterprise Value to Revenue 4.23
Enterprise Value to EBITDA -
Shares Outstanding 38045600
Shares Floating 37161822
Shares Outstanding 38045600
Shares Floating 37161822
Percent Insiders 2.2
Percent Institutions 99.87

ai summary icon Upturn AI SWOT

National Bank Holdings Corporation

stock logo

Company Overview

overview logo History and Background

National Bank Holdings Corporation (NBHC) was formed in 2009 as a bank holding company. It focuses on serving commercial and private banking clients. It has grown through organic expansion and acquisitions.

business area logo Core Business Areas

  • Commercial Banking: Provides a wide range of commercial lending, deposit, and treasury management services to businesses.
  • Private Banking: Offers personalized financial solutions to high-net-worth individuals, including wealth management, trust services, and private banking.
  • Mortgage Banking: Provides residential mortgage loan origination and servicing.

leadership logo Leadership and Structure

NBHC is led by a board of directors and an executive management team. Gregory A. Sherrill is the CEO. The organization is structured with various departments responsible for different business segments and functions.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate acquisition. Competitors include large national banks, regional banks, and credit unions. Market share is regional.
  • Deposit Accounts: Offers checking, savings, and money market accounts to businesses and individuals. Competitors include large national banks, regional banks, and online banks. Market share is regional.
  • Wealth Management Services: Provides investment management, financial planning, and trust services. Competitors include large wealth management firms, brokerage houses, and independent advisors. Revenue from wealth management varies. Market share is regional.

Market Dynamics

industry overview logo Industry Overview

The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Digitalization and fintech are increasingly influencing the industry.

Positioning

NBHC positions itself as a relationship-focused bank offering personalized service and local expertise. Its competitive advantages include its strong regional presence and experienced management team.

Total Addressable Market (TAM)

The TAM for banking services in the regions NBHC operates is significant. The bank is positioned to capture a portion of this TAM through its relationship-focused strategy.

Upturn SWOT Analysis

Strengths

  • Strong regional presence
  • Experienced management team
  • Relationship-focused approach
  • Diversified revenue streams

Weaknesses

  • Smaller scale compared to larger national banks
  • Limited geographic reach
  • Susceptibility to regional economic downturns

Opportunities

  • Expansion into new markets
  • Strategic acquisitions
  • Increased adoption of digital banking technologies
  • Growing demand for wealth management services

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates
  • Economic downturns
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • WFC
  • USB
  • KEY

Competitive Landscape

NBHC competes with larger national banks, regional banks, and credit unions. Its competitive advantages include its strong regional presence and relationship-focused approach. Disadvantages include its smaller scale and limited geographic reach.

Growth Trajectory and Initiatives

Historical Growth: NBHC has grown through organic expansion and acquisitions. Historical growth rates require access to historical financial data.

Future Projections: Future growth projections require access to analyst estimates.

Recent Initiatives: Recent strategic initiatives include investments in digital banking technologies and expansion into new markets.

Summary

National Bank Holdings Corporation is a regional bank that focuses on relationship banking. It has a solid regional presence and is growing through acquisitions and organic expansion. Its smaller size compared to national players presents a challenge. Economic fluctuations and competition are threats.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company website
  • SEC filings
  • Market analysis reports

Disclaimers:

The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary. Financial data and projections require real-time and/or subscription data services.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.