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Upturn AI Summary - About
National Bank Holdings Corporation(NBHC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NBHC
09/25/2026: NBHC (1-star) is currently NOT-A-BUY. Pass it for now.
National Bank Holdings Corporation is a regional bank holding company that focuses on serving commercial and consumer clients across the central United States. The company has a solid reputation for its experienced management team and disciplined approach to acquisition-led growth. Its primary investment story centers on maintaining strong margins through efficient operations while growing its commercial loan portfolio. However, investors should monitor risks such as geographic concentration, interest rate sensitivity, and intense competition for deposits. The stock may suit value-oriented investors seeking reliable dividend income, though it remains exposed to the inherent volatility of the regional banking sector and broader economic cycles.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely incremental and tied to regional economic cycles rather than rapid expansion. |
| Momentum investor | Weak fit | The stock tends to track broader regional banking trends rather than exhibiting independent explosive momentum. |
| Value investor | Strong fit | The bank is often priced at reasonable multiples of book value and earnings, appealing to value-oriented investors. |
| Dividend investor | Strong fit | The company maintains a reliable dividend program suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | Regional banking stocks carry inherent interest rate and credit risk, making them moderately volatile. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Banking sector stocks are sensitive to interest rate shifts and macro uncertainty. |
| Valuation risk | Medium | While often value-priced, the stock can be impacted by sector-wide multiple compression. |
| Competition risk (regional banking competition) | High | Intense competition for deposits and loans from larger players limits pricing power. |
| Business quality | Medium | The business model is solid but lacks the scale and diversification of national giants. |
| Dividend income | Medium | Dividends are generally reliable but subject to board approval and capital availability. |
| Execution risk | Medium | Successful growth depends on management's ability to integrate acquisitions and manage risk. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 1.98% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.79B USD | Price to earnings Ratio 16.88 | 1Y Target Price 48 |
Price to earnings Ratio 16.88 | 1Y Target Price 48 | ||
Volume (30-day avg) 377.6K shares | Beta 0.76 | 52 Weeks Range 33.97 - 46.91 | Updated Date 09/26/2026 |
52 Weeks Range 33.97 - 46.91 | Updated Date 09/26/2026 | ||
Dividends yield (FY) 3.17% | Basic EPS (TTM) 2.38 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | This is the core income driver, influenced by the difference between what the bank earns on loans and pays to depositors. |
| Non-Interest Income | Service fees, wealth management fees, and deposit account charges. | This provides diversified fee-based revenue that is less sensitive to interest rate changes. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 16.88 | Forward PE 13.79 | Enterprise Value 1.73B | Price to Sales(TTM) 3.96 |
Enterprise Value 1.73B | Price to Sales(TTM) 3.96 | ||
Enterprise Value to Revenue 4.56 | Enterprise Value to EBITDA - | Shares Outstanding 44.54M | Shares Floating 42.53M |
Shares Outstanding 44.54M | Shares Floating 42.53M | ||
Percent Insiders 5.75 | Percent Institutions 95.52 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About National Bank Holdings Corporation
Exchange NYSE | Headquarters 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 1250 | |
Full time employees 1250 | |||
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. 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, Texas, Utah, Wyoming, New Mexico and Idaho. 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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