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National Bank Holdings Corp

National Bank Holdings Corp

NBHC
$46.49USD↓-1.25%-0.59 today

MARKET CAP

2.1B

P/E (TTM)

16.3x

FWD P/E

11.6x

DAY RANGE

$46 – $47

52W RANGE

$35
$47

AI Summary

Stalk
StalkMedium

NBHC is in a Stage 2 advancing phase within a clear uptrend, but price is currently extended above rising EMAs and exhibiting extreme overbought conditions. A near-term rejection candle and high Options Score suggest unfavorable timing, so waiting for a pullback into the 9/21 EMA support zone before engaging aligns with the structural bias and risk profile.

  • ↑Q1 net income $32.6M (+43% QoQ) and EPS $0.72; NIM rose to 4.06%
  • ↑Loan fundings of $805M drove 12.4% annualized growth; FY guidance ~10%
  • ↓$9M charge-off highlights potential credit deterioration in CRE
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The case for & against

Bull & Bear analysis

Bullish

National Bank Holdings Corporation (NYSE: NBHC) operates as a bank holding company providing a variety of financial services, predominantly in commercial and consumer banking sectors across the Midwest and Texas. With recent strategic growth through acquisitions, particularly the VISTA merger, NBHC is focused on expanding its market share and enhancing its operational capabilities. The company is well-positioned in the banking industry, leveraging a relationship-driven model to foster client loyalty and drive revenue growth amidst competitive pressures.

Bull says

  • ↑Q1 net income $32.6M (+43% QoQ) and EPS $0.72; NIM rose to 4.06%
  • ↑Loan fundings of $805M drove 12.4% annualized growth; FY guidance ~10%
  • ↑VISTA merger expands Texas footprint and accelerates loan origination
  • ↑Dividend hiked 3% to $0.32; $16M buybacks underway; yield ~0.48%
  • ↑Strong earnings yield and high book-to-price ratio signal undervaluation
  • ↑Low volatility profile and healthy capital base support risk-adjusted returns

Bear says

  • ↓$9M charge-off highlights potential credit deterioration in CRE
  • ↓Private-credit rivals erode pricing power and pressure loan spreads
  • ↓Clients’ risk-off stance could dampen loan demand amid uncertainty
  • ↓Complex VISTA integration may delay expected synergies and efficiency gains
  • ↓Weak growth and profitability factors cloud near-term earnings momentum
  • ↓High short interest and size constraints reflect cautious investor sentiment

Investment themes with NBHC

Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-23-2026bullish

Transcript signals

Bull points

  • Since closing, we've added over 10 exceptional bankers to the organization, four of whom were sitting presidents at their prior institutions, which is humbling to think.
  • We are seeing that play out in real time.
  • Texas remains one of the most attractive banking markets in the country, with its pro-business environment, diverse economy, continued population growth and business migration, NBH is now perfectly positioned to take advantage of this growth, further emphasizing our goal of maximizing shareholder value.
Read full transcript analysis ›