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Upturn AI SWOT - About
NBHC 
National Bank Holdings Corporation (NBHC)
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Upturn Advisory Summary
10/14/2025: NBHC (1-star) is a SELL. SELL since 4 days. Simulated Profits (-2.64%). Updated daily EoD!
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 $45
1 Year Target Price $45
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.65% | Avg. Invested days 31 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.44B USD | Price to earnings Ratio 12.01 | 1Y Target Price 45 |
Price to earnings Ratio 12.01 | 1Y Target Price 45 | ||
Volume (30-day avg) 4 | Beta 0.74 | 52 Weeks Range 32.31 - 50.29 | Updated Date 10/14/2025 |
52 Weeks Range 32.31 - 50.29 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 3.18% | Basic EPS (TTM) 3.16 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate 0.85 | 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 12.01 | Forward PE - | Enterprise Value 1384233856 | Price to Sales(TTM) 3.59 |
Enterprise Value 1384233856 | Price to Sales(TTM) 3.59 | ||
Enterprise Value to Revenue 4.15 | Enterprise Value to EBITDA - | Shares Outstanding 37815294 | Shares Floating 37156496 |
Shares Outstanding 37815294 | Shares Floating 37156496 | ||
Percent Insiders 2.21 | Percent Institutions 102.17 |
Upturn AI SWOT
National Bank Holdings Corporation
Company Overview
History and Background
National Bank Holdings Corporation (NBHC) was founded in 2009 as a bank holding company. It operates through community banks, providing a range of financial services. It has grown through strategic acquisitions and organic expansion.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses of various sizes. Caters to real estate, and other industries.
- Retail Banking: Provides checking and savings accounts, mortgages, personal loans, and other services to individual customers.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is based on regional community banks and functional departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including real estate, equipment, and working capital. Market share data is not publicly available at this granular level, but it competes with larger national and regional banks. Competitors include Wells Fargo, US Bank and smaller regional banks.
- Mortgages: Home loans for individuals and families. Market share data is not publicly available at this granular level, but it competes with larger national and regional banks. Competitors include Wells Fargo, US Bank and smaller regional banks.
- Deposit Accounts: Checking and savings accounts for individuals and businesses. Market share data is not publicly available at this granular level, but it competes with larger national and regional banks. Competitors include Wells Fargo, US Bank and smaller regional banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and heavily regulated. It is influenced by economic conditions, interest rates, and regulatory changes. Consolidation continues to be a trend.
Positioning
NBHC operates as a regional bank focusing on community banking. Its competitive advantage lies in personalized service and local market knowledge.
Total Addressable Market (TAM)
The total addressable market for banking services in the regions NBHC operates in is estimated at billions of dollars. NBHC's position is relatively small compared to national giants, aiming to serve specific market segments.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Solid financial performance in recent years
Weaknesses
- Smaller scale compared to national banks
- Limited geographic diversification
- Reliance on regional economies
- Brand recognition weaker than larger competitors
Opportunities
- Expansion into new markets within the region
- Increased adoption of digital banking solutions
- Growing demand for wealth management services
- Acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns impacting loan portfolios
- Rising interest rates affecting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- WFC
- USB
- BK
- CMA
- FCNCA
Competitive Landscape
NBHC competes with larger national and regional banks. Its advantage lies in personalized service and local market knowledge, while disadvantages include smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: NBHC has experienced growth through acquisitions and organic expansion in recent years.
Future Projections: Analyst estimates vary but generally project continued growth in revenue and earnings, driven by loan growth and improved efficiency.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion into new markets, and acquisitions of smaller banks.
Summary
National Bank Holdings Corporation is a regional bank with a focus on community banking. It has shown growth through acquisitions and organic expansion. While it faces competition from larger banks, its strength lies in personalized service and local market knowledge. Its growth will depend on continued expansion and efficient operations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Yahoo Finance
- Company Website
- Analyst Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is based on estimations and available public information. Financial data should be independently verified from official sources.
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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