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National Bank Holdings Corporation (NBHC) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

National Bank Holdings Corporation

NBHCMarket cap $1.68BPrice $37.7

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community banks across Colorado, Kansas, and Missouri, offering deposits, loans, and wealth management to individuals and small businesses. Built through a rollup of failed banks after the 2008 crisis, it turned distressed assets into a profitable regional player.

In Bastion Portfolios?

52W Return+5%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+10%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+15%–

Rev CAGR (5y)+10%7

Earnings Forecast

EPS Growth Y+1+16%8

EPS Growth Y+2+18%8

EPS Growth Y+3+6%6

Quality

Margins

EBIT Margin0%3

Net Income Margin22%8

Free Cash Flow Margin32%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE6%3

ROA1%3

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)108

P/E Ratio (Forward 3y)98

P/BV1.09

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%6

Dividend Yield3.4%8

Momentum

Short term

1 month return-10%3

3 month return-12%3

YTD return+2%5

Mid term

Price vs 52wHigh80%5

1 year return+1%5

Long term

3 year return+34%5

5 year return+2%4

Risk Shield

Price Risk

Beta0.86

Volatility24%9

Free Cash Flow

Free Cash Flow Margin32%9

Free Cash Flow Yield0.0%6

Quality

ROCE7%3

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

NBHCNational Bank Holdings

Revenue FY25$398M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+15%–

Revenue, next 5Y, CAGR+10%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+16%8

EPS growth, FY27E+18%8

EPS growth, FY28E+6%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 15%/yr over the next 3 years, ahead of most of the market.7/10

Revenue grew 10%/yr over the last 3 years and is set to grow 15%/yr from here.

The runway holds up: revenue is set to grow 10%/yr over five years.7/10

Earnings are set to grow in step with sales (EPS about 16%/yr vs revenue 15%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK27 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%3

3-month return-12%3

YTD return+2%5

MID & LONG-TERM▾SCORE

% of 52-week high80%5

1-year return+1%5

3-year return+34%5

5-year return+2%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+34% over three years and +2.3% over five), roughly average for the market.

It's up 1% over the past year, but 20% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (+2%).

WEAKNESSES

The stock is underperforming over the past month (-10%) and over three months (-12%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the stock is underperforming over the past month and over three months.

04Value

Are you paying a fair price for it?

Stop guessing on National Bank Holdings Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

NBHCNational Bank Holdings

Revenue FY25$398M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+15%–

Revenue, next 5Y, CAGR+10%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+16%8

EPS growth, FY27E+18%8

EPS growth, FY28E+6%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 15%/yr over the next 3 years, ahead of most of the market.7/10

Revenue grew 10%/yr over the last 3 years and is set to grow 15%/yr from here.

The runway holds up: revenue is set to grow 10%/yr over five years.7/10

Earnings are set to grow in step with sales (EPS about 16%/yr vs revenue 15%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK27 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%3

3-month return-12%3

YTD return+2%5

MID & LONG-TERM▾SCORE

% of 52-week high80%5

1-year return+1%5

3-year return+34%5

5-year return+2%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+34% over three years and +2.3% over five), roughly average for the market.

It's up 1% over the past year, but 20% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (+2%).

WEAKNESSES

The stock is underperforming over the past month (-10%) and over three months (-12%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on National Bank Holdings Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community