National Bank Holdings Corp NBHC

Latest FY: 2025 Financial Services Banks - Regional
Market Price $41.81
Market Cap $1.87B
P/E Ratio 14.67
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑2.3% YoY
$416.07M
3-Yr CAGR: 7.6%
Net Income ↓-7.8% YoY
$109.57M
Net Margin: 26.3%
Free Cash Flow ↑9.8% YoY
$132.50M
FCF Yield: 7.08%
EPS (Diluted) ↓-7.5% YoY
$2.85
Basic: $2.86
Return on Equity Efficiency
7.9%
ROA: 1.1%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (NBHC)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $185.7M $170.9M $23.1M $0.79 $0.22 0.69% $-3.9M $-3.9M
FY 2017 $185.5M -0.1% $167.4M $14.6M -36.8% $0.53 -32.9% $0.34 1.05% $58.1M $58.1M +1,577.1%
FY 2018 $268.2M +44.6% $244.3M $61.5M +321.5% $1.95 +267.9% $0.53 1.71% $73.6M $73.6M +26.5%
FY 2019 $288.6M +7.6% $251.8M $80.4M +30.8% $2.55 +30.8% $0.75 2.12% $42.5M $42.5M -42.3%
FY 2020 $333.2M +15.5% $308.1M $88.6M +10.2% $2.85 +11.8% $0.80 2.44% $-9.9M $-9.9M -123.2%
FY 2021 $297.5M -10.7% $283.7M $93.6M +5.7% $3.01 +5.6% $0.87 1.97% $179.5M $179.5M +1,919.0%
FY 2022 $334.1M +12.3% $316.3M $71.3M -23.9% $2.18 -27.6% $0.93 2.21% $214.6M $202.2M +12.6%
FY 2023 $425.9M +27.4% $292.4M $142.0M +99.3% $3.72 +70.6% $1.04 2.80% $166.9M $130.1M -35.7%
FY 2024 $406.6M -4.5% $213.7M $118.8M -16.4% $3.08 -17.2% $1.12 2.60% $155.3M $120.7M -7.2%
FY 2025 $416.1M +2.3% $244.8M $109.6M -7.8% $2.85 -7.5% $1.21 3.18% $162.4M $132.5M +9.8%
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Valuation

Market Price $41.81
Market Cap $1.87B
Enterprise Value $1.51B
P/E Ratio 14.67
P/B Ratio 1.35
FCF Yield 7.08%
Dividend Yield 2.89%
Shares Outstanding 44,790,800
%

Profitability & Margins

Gross Margin 58.84%
Operating Margin 32.12%
Net Margin 26.34%
Return on Equity (ROE) 7.91%
Return on Assets (ROA) 1.11%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 7.58%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.039
Debt / Assets 0.006
Cash & Equivalents $417.06M
Total Debt $54.54M
Book Value / Share $30.92
💧

Cash Flow Efficiency

Operating Cash Flow $162.42M
Capital Expenditures (CapEx) $29.92M
Free Cash Flow $132.50M
OCF / Revenue 39.04%
FCF / Revenue 31.85%
FCF 3-Yr CAGR -13.14%
🏷️

Per Share Metrics

EPS (Diluted) $2.85
EPS (Basic) $2.86
Dividends / Share $1.21
Book Value / Share $30.92
EPS YoY Growth -7.47%
🏛️

Balance Sheet (FY 2025)

Total Assets $9.88B
Total Liabilities $8.50B
Stockholders' Equity $1.39B
Current Assets N/A
Current Liabilities N/A