NBHC · National Bank Holdings Corp

Track NBHC — free Ask ALVIS about NBHC

$42.80 -0.45 (-1.03%)

Market Cap

$1.94B

44.54M

Up next

Next earnings call

Oct 21, 2026 Est · unconfirmed · in 11 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 5, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

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Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Strong Sentiment Neutral Fundamentals Strong Quant / Vol Low

Market backdrop VIX 15.8 · calm Equity put/call 0.60

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +6%

above

Price vs 50-day avg −1%

below

RSI (14) 46

neutral

MACD trend Negative

52-week position 69%

mid-range

Momentum

relative strength

Strong

1-month return 0%

trailing

6-month return +6%

trailing

YTD return +16%

this year

Relative strength −6%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $43 › 200d $41 — 50d above 200d

Institutional flow Accumulating

63 of 216 funds reported for Jun 30 · net +230.5K sh shares · +10 new

Insider flow Distributing

Net -$40.3K over 90 days · 100% sells

Short interest Falling

3.58% of float · ▼ -12.8% MoM · 5.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

216 holders — mid 3-yr range

Squeeze score 63

elevated · 0–100

Fundamentals

Strong

Revenue growth +3%

Y/Y

EPS growth −7%

Y/Y

Free cash flow $157.3M

Valuation P/E 18.3

rich

Buyback $72.8M

remaining

Balance sheet $362.5M

net cash

Quant / Vol

risk profile

Low

Volatility 26%

annualized · 1-yr

Max drawdown −14%

past year

ATR 2.3%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Latest guidance · from the Earnings Call filed Mar 31, 2026

fourth quarter of 2026

Earnings per share Initiated $1.00

prior qtr $0.58 midpoint +72.4% QoQ

full year 2026

Loan growth Initiated 10%

Fee income Initiated $75M – $80M

Total noninterest expense Initiated $320M – $330M

remainder of 2026

Net interest margin Initiated 4%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+6% Bullish

Price vs 50-day avg

−1% Neutral

RSI (14)

46 Neutral

MACD trend

Negative Bearish

52-week position

69% Neutral

Market signals — smart money & positioning

Bullish · 2 of 6

Trend (MA cross) No cross

50d $43 › 200d $41 — 50d above 200d

Institutional flow Accumulating

63 of 216 funds reported for Jun 30 · net +230.5K sh shares · +10 new

Insider flow Distributing

Net -$40.3K over 90 days · 100% sells

Short interest Falling

3.58% of float · ▼ -12.8% MoM · 5.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

216 holders — mid 3-yr range

Price context

position in its 52-week range

52-wk low $34 Now $43 · 69% 52-wk high $47

vs 200-day avg +6% vs 50-day avg -1%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from its earnings releases, calls, and filings

Metric	Latest	Period	YoY
Acquisition and restructuring related expenses non-GAAP	$11.2M	2Q26	—
Adjusted earnings per share - diluted non-GAAP	$0.78	2Q26	—

Adjusted net income non-GAAP	$35.3M	2Q26	—
Adjusted pre-provision net revenue (fully taxable equivalent) non-GAAP	$47.8M	2Q26	—
Adjusted return on average tangible assets non-GAAP	1.26%	2Q26	—

Adjusted return on average tangible common equity non-GAAP	12.71%	2Q26	—
Allowance for credit losses as a percentage of loans	1.13%	2Q26	—

Annualized net charge-offs	0.27%	2Q26	—

Commercial loan fundings	$452.5M	2Q26	—
Common book value per share	$37.48	2Q26	—
Common equity tier 1 capital ratio	12.29%	2Q26	—

Cost of deposits	1.93%	2Q26	—

Fully taxable equivalent adjusted efficiency ratio non-GAAP	61.8%	2Q26	—

Fully taxable equivalent efficiency ratio	72.3%	2Q26	—
Loan fundings	$926.9M	2Q26	—

Loan to deposit ratio	94.1%	2Q26	—

Loans	$9.8B	2Q26	—
Net interest margin (fully taxable equivalent)	3.94%	2Q26	—

Non-performing assets ratio	0.35%	2Q26	—

Non-performing loans ratio	0.31%	2Q26	—

Organic loan growth (annualized)	6.8%	2Q26	—

Return on average tangible assets	0.96%	2Q26	—
Share buybacks	$11.1M	2Q26	—
Tangible book value per share	$26.23	2Q26	—

Transaction deposits to total deposits ratio	87.8%	2Q26	—
Fully taxable equivalent pre-provision net revenue non-GAAP	$47.5M	1Q26	—
Net charge-offs	0.34%	2025	—
New loan originations	1.6B	2025	—
Quarterly cash dividend per share	$0.32	4Q25	—

Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
NBHC National Bank Holdings Corp this stock	$1.94B	+15.5%	+2.9%	18.3	3.6%
MFG Mizuho Financial Group Inc	$130.35B	+46.2%	—	—	0.1%
HDB Hdfc Bank Ltd	$122.06B	-34.7%	+15.2%	—	0.4%
IBN Icici Bank Ltd	$109.32B	+2.9%	—	—	0.6%
PNC Pnc Financial Services Group, Inc.	$102.55B	+25.2%	+7.2%	14.2	1.7%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

222

% held: 88.7%
Reported: 63 of 216
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

272

View

Short & Settlement

Short Interest Falling

Shares short

1.6M

Days to cover: 5.4d
Change: -234.1K sh

View

Short Volume

Short vol %

63%

As of: Aug 6, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $842
As of: Jul 13, 2026

View

Off-Exchange

Off-exchange %

34.9%

Week of: Jun 29, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$40.3K

Buyers / Sellers: 0 / 1

Buyers Sellers

View

Financials

Revenue (FY)

$47.1M

Net income (FY): $109.6M
EPS diluted: $2.85

View

Buybacks

Authorized

$100.0M

Remaining: $72.8M

Spent Remaining

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 5, 2026
This year: 18

View

Proposed Sales

Value

$230.5K

Shares: 6.2K
Filed: Nov 12, 2025

View

Earnings & Events

Earnings Calls

Last call

Jul 22, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
NBHC	+1.6%	+0.2%	+5.7%	+0.1%	+15.5%
SPY	+5.5%	+3.3%	+11.3%	+3.1%	+12.9%
vs SPY	-4.0%	-3.0%	-5.5%	-2.9%	+2.6%

Capital returns

Latest dividend

$0.32 / share · ex May 29, 2026

Raised 3.2%

Paid (TTM)

$1.25 / share · 4 payouts

Dividend yield (TTM, derived)

2.89%

Buyback program · as of Jun 30, 2026

Authorized

$100.00M

Spent (derived)

$27.20M

Remaining

$72.80M

Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1475841 CUSIP 633707104 13F (30d) 58 filings 58 filers Visit website Investor relations

NBHC · National Bank Holdings Corp

Price & Indicators

Up next

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns