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National Bank Holdings Corporation reported a third-quarter net loss of $8.8 million, or $0.20 per diluted share, after $40.6 million of provision expense tied to specific commercial credits. Adjusted net income was $2.9 million, or $0.06 per diluted share.
National Bank Holdings Corporation reported a third-quarter 2026 net loss of $8.8 million, or ($0.20) per diluted share, driven by $40.6 million of provision expense; adjusted net income was $2.9 million, or $0.06 per diluted share.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
TL;DR. NBHC reported an $8.8 million third-quarter net loss as $40.6 million of provision expense on identified franchise and healthcare credits drove sharply higher charge-offs and asset-quality deterioration. Core banking remained positive: FTE net interest income rose to $115.2 million, NIM expanded to 4.00%, loans and deposits grew, Vista integration was completed, capital remained strong, and management issued fourth-quarter NIM, fee-income, expense, EPS and normalized-credit guidance.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Still-open targets the latest release did not restate under the same label.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted efficiency ratio FTE non-GAAP | 61.81% | the three months ended June 30, 2026 filing | — |
| Adjusted pre-provision net revenue FTE non-GAAP | $47.8M | the three months ended June 30, 2026 filing | — |
| Adjusted return on average tangible assets non-GAAP | 1.26% | the three months ended June 30, 2026 filing | — |
| Adjusted return on average tangible common equity non-GAAP | 12.71% | the three months ended June 30, 2026 filing | — |
| Average interest bearing cash balances | $194.4M | the three months ended June 30, 2026 filing | — |
| Average loans | 9.6B | the three months ended June 30, 2026 filing | — |
| Cost of funds | 2.01% | the three months ended June 30, 2026 filing | — |
| Loan fundings | 926.9M | second quarter of 2026 filing | — |
| Net interest margin FTE non-GAAP | 3.94% | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
NBHC
this stock
National Bank Holdings Corp
|
$1.69B | -2.1% | +2.9% | 30.3 | 4.2% |
|
HDB
Hdfc Bank Ltd
|
$127.06B | -32.4% | -3.2% | — | 0.8% |
|
MFG
Mizuho Financial Group Inc
|
$118.31B | +28.3% | — | — | 0.0% |
|
IBN
Icici Bank Ltd
|
$112.24B | +9.2% | — | — | 0.6% |
|
CIXPF
CaixaBank
|
$96.49B | +14.0% | — | — | 0.0% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| NBHC | -0.9% | -2.5% | -8.8% | -0.5% | -2.1% |
| SPY | -4.7% | -5.3% | -0.8% | -3.0% | +7.5% |
| vs SPY | +3.9% | +2.8% | -7.9% | +2.5% | -9.5% |
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.
