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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 2.85
NBHC's Cash-to-Debt is ranked higher than
59% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. NBHC: 2.85 )
Ranked among companies with meaningful Cash-to-Debt only.
NBHC' s Cash-to-Debt Range Over the Past 10 Years
Min: 2.85  Med: No Debt Max: No Debt
Current: 2.85
Equity-to-Asset 0.11
NBHC's Equity-to-Asset is ranked higher than
64% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NBHC: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
NBHC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.18 Max: 1
Current: 0.11
0.11
1
Interest Coverage 2.13
NBHC's Interest Coverage is ranked higher than
51% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NBHC: 2.13 )
Ranked among companies with meaningful Interest Coverage only.
NBHC' s Interest Coverage Range Over the Past 10 Years
Min: 0.14  Med: 1.25 Max: No Debt
Current: 2.13
Beneish M-Score: -2.39
WACC vs ROIC
8.03%
6.95%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 17.79
NBHC's Operating Margin % is ranked lower than
83% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. NBHC: 17.79 )
Ranked among companies with meaningful Operating Margin % only.
NBHC' s Operating Margin % Range Over the Past 10 Years
Min: -283.99  Med: 6.39 Max: 28.34
Current: 17.79
-283.99
28.34
Net Margin % 16.97
NBHC's Net Margin % is ranked lower than
80% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. NBHC: 16.97 )
Ranked among companies with meaningful Net Margin % only.
NBHC' s Net Margin % Range Over the Past 10 Years
Min: -318.92  Med: 4.46 Max: 17.13
Current: 16.97
-318.92
17.13
ROE % 5.49
NBHC's ROE % is ranked lower than
80% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. NBHC: 5.49 )
Ranked among companies with meaningful ROE % only.
NBHC' s ROE % Range Over the Past 10 Years
Min: -0.14  Med: 0.69 Max: 5.49
Current: 5.49
-0.14
5.49
ROA % 0.67
NBHC's ROA % is ranked lower than
74% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NBHC: 0.67 )
Ranked among companies with meaningful ROA % only.
NBHC' s ROA % Range Over the Past 10 Years
Min: -0.14  Med: 0.16 Max: 0.73
Current: 0.67
-0.14
0.73
3-Year Revenue Growth Rate 17.70
NBHC's 3-Year Revenue Growth Rate is ranked higher than
88% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. NBHC: 17.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NBHC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.9 Max: 52.9
Current: 17.7
0
52.9
3-Year EBITDA Growth Rate 38.00
NBHC's 3-Year EBITDA Growth Rate is ranked higher than
92% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. NBHC: 38.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NBHC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 29.6 Max: 44.6
Current: 38
0
44.6
3-Year EPS without NRI Growth Rate 78.00
NBHC's 3-Year EPS without NRI Growth Rate is ranked higher than
97% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NBHC: 78.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NBHC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -13.4 Max: 78
Current: 78
0
78
GuruFocus has detected 3 Warning Signs with National Bank Holdings Corp $NBHC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NBHC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

NBHC Guru Trades in Q1 2016

Jim Simons 869,400 sh (+6.74%)
Paul Singer 2,802,835 sh (-9.67%)
Paul Tudor Jones 35,128 sh (-47.33%)
» More
Q2 2016

NBHC Guru Trades in Q2 2016

Jim Simons 1,044,400 sh (+20.13%)
Paul Singer 2,402,835 sh (-14.27%)
Paul Tudor Jones 27,007 sh (-23.12%)
» More
Q3 2016

NBHC Guru Trades in Q3 2016

Paul Singer Sold Out
Jim Simons 1,026,900 sh (-1.68%)
Paul Tudor Jones 25,441 sh (-5.80%)
» More
Q4 2016

NBHC Guru Trades in Q4 2016

Jim Simons 1,251,600 sh (+21.88%)
Paul Tudor Jones Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with NBHC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:WASH, NYSE:FBK, NAS:MSFG, NAS:NFBK, NAS:TCBK, NAS:UVSP, NAS:CTBI, NAS:HFWA, NAS:LBAI, NAS:SYBT, NAS:ORIT, NAS:OPB, NAS:HAFC, NAS:TRST, NYSE:CUBI, NAS:PFBC, NAS:GABC, NYSE:CPF, NAS:RBCAA, NAS:FBNC » details
Traded in other countries:NB9.Germany,
Headquarter Location:USA
National Bank Holdings Corp is a bank holding company. It offers a full range of traditional banking products and financial services to both commercial and consumer clients through its subsidiary NBH Bank, N.A.

National Bank Holdings Corp is a bank holding company that was incorporated in the State of Delaware in June 2009. Its operations are conducted through its wholly owned subsidiary, NBH Bank, N.A., through which it provides a variety of banking products to both commercial and consumer clients. It service its clients through a network of 97 banking centers, with the majority of banking centers located in the greater Kansas City area and Colorado, and through online and mobile banking products. Through its subsidiary NBH Bank, N.A., it offers a full range of traditional banking products and financial services to both commercial and consumer clients, who are predominantly located in Kansas, Missouri, Colorado and Texas. It offer lending products to cater to clients' needs, including small business loans, equipment loans, term loans, asset-backed loans, letters of credit, commercial lines of credit, commercial real estate loans, residential mortgage loans, home equity and consumer loans. It also offer traditional depository products, including commercial and consumer checking accounts, non-interest-bearing demand accounts, money market deposit accounts, savings accounts and time deposit accounts and treasury management services. Its loan portfolio includes commercial and industrial loans, commercial real estate loans, residential real estate loans, agricultural loans and consumer loans. The Company faces competition from other financial institutions and financial services providers.

Ratios

vs
industry
vs
history
PE Ratio 28.96
NBHC's PE Ratio is ranked lower than
93% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. NBHC: 28.96 )
Ranked among companies with meaningful PE Ratio only.
NBHC' s PE Ratio Range Over the Past 10 Years
Min: 28.96  Med: 136.36 Max: 99999999.99
Current: 28.96
28.96
99999999.99
Forward PE Ratio 30.03
NBHC's Forward PE Ratio is ranked lower than
96% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. NBHC: 30.03 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 28.96
NBHC's PE Ratio without NRI is ranked lower than
93% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. NBHC: 28.96 )
Ranked among companies with meaningful PE Ratio without NRI only.
NBHC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 28.96  Med: 136.36 Max: 99999999.99
Current: 28.96
28.96
99999999.99
Price-to-Owner-Earnings 92.85
NBHC's Price-to-Owner-Earnings is ranked lower than
97% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. NBHC: 92.85 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NBHC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 32.48  Med: 65.68 Max: 98.06
Current: 92.85
32.48
98.06
PB Ratio 1.59
NBHC's PB Ratio is ranked lower than
71% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. NBHC: 1.59 )
Ranked among companies with meaningful PB Ratio only.
NBHC' s PB Ratio Range Over the Past 10 Years
Min: 0.86  Med: 0.98 Max: 1.61
Current: 1.59
0.86
1.61
PS Ratio 4.94
NBHC's PS Ratio is ranked lower than
78% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. NBHC: 4.94 )
Ranked among companies with meaningful PS Ratio only.
NBHC' s PS Ratio Range Over the Past 10 Years
Min: 3.33  Med: 4.76 Max: 5.61
Current: 4.94
3.33
5.61
EV-to-EBIT 22.73
NBHC's EV-to-EBIT is ranked lower than
86% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. NBHC: 22.73 )
Ranked among companies with meaningful EV-to-EBIT only.
NBHC' s EV-to-EBIT Range Over the Past 10 Years
Min: 22.73  Med: 67.4 Max: 196.8
Current: 22.73
22.73
196.8
EV-to-EBITDA 16.70
NBHC's EV-to-EBITDA is ranked lower than
75% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. NBHC: 16.70 )
Ranked among companies with meaningful EV-to-EBITDA only.
NBHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.5  Med: 24.5 Max: 39.9
Current: 16.7
9.5
39.9
PEG Ratio 5.90
NBHC's PEG Ratio is ranked lower than
90% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. NBHC: 5.90 )
Ranked among companies with meaningful PEG Ratio only.
NBHC' s PEG Ratio Range Over the Past 10 Years
Min: 5.9  Med: 7.14 Max: 7.48
Current: 5.9
5.9
7.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.76
NBHC's Dividend Yield % is ranked lower than
93% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. NBHC: 0.76 )
Ranked among companies with meaningful Dividend Yield % only.
NBHC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.26  Med: 0.97 Max: 1.1
Current: 0.76
0.26
1.1
Dividend Payout Ratio 0.28
NBHC's Dividend Payout Ratio is ranked higher than
85% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NBHC: 0.28 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NBHC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.28  Med: 1.17 Max: 1.43
Current: 0.28
0.28
1.43
3-Year Dividend Growth Rate 3.20
NBHC's 3-Year Dividend Growth Rate is ranked lower than
66% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. NBHC: 3.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NBHC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 58.7
Current: 3.2
0
58.7
Forward Dividend Yield % 0.89
NBHC's Forward Dividend Yield % is ranked lower than
93% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. NBHC: 0.89 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.74
NBHC's 5-Year Yield-on-Cost % is ranked lower than
95% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. NBHC: 0.74 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NBHC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.26  Med: 0.97 Max: 1.1
Current: 0.74
0.26
1.1
3-Year Average Share Buyback Ratio 16.70
NBHC's 3-Year Average Share Buyback Ratio is ranked higher than
99% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. NBHC: 16.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NBHC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 5.4  Med: 16.6 Max: 0
Current: 16.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.81
NBHC's Price-to-Tangible-Book is ranked lower than
72% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. NBHC: 1.81 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NBHC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.99  Med: 1.18 Max: 1.81
Current: 1.81
0.99
1.81
Price-to-Median-PS-Value 1.04
NBHC's Price-to-Median-PS-Value is ranked higher than
58% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. NBHC: 1.04 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NBHC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.86  Med: 1.05 Max: 1.17
Current: 1.04
0.86
1.17
Price-to-Peter-Lynch-Fair-Value 7.08
NBHC's Price-to-Peter-Lynch-Fair-Value is ranked lower than
98% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. NBHC: 7.08 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
NBHC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 7.08  Med: 7.15 Max: 7.15
Current: 7.08
7.08
7.15
Price-to-Graham-Number 1.76
NBHC's Price-to-Graham-Number is ranked lower than
92% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. NBHC: 1.76 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NBHC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.76  Med: 2.43 Max: 2.84
Current: 1.76
1.76
2.84
Earnings Yield (Greenblatt) % 4.40
NBHC's Earnings Yield (Greenblatt) % is ranked lower than
65% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. NBHC: 4.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NBHC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 1.5 Max: 4.4
Current: 4.4
0.5
4.4
Forward Rate of Return (Yacktman) % 2.44
NBHC's Forward Rate of Return (Yacktman) % is ranked lower than
76% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. NBHC: 2.44 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
NBHC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -9  Med: -6.8 Max: 2.6
Current: 2.44
-9
2.6

More Statistics

Revenue (TTM) (Mil) $183.1
EPS (TTM) $ 1.09
Beta0.80
Short Percentage of Float3.03%
52-Week Range $19.45 - 34.10
Shares Outstanding (Mil)27.07

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 189 211
EPS ($) 1.05 1.50
EPS without NRI ($) 1.05 1.50
EPS Growth Rate
(Future 3Y To 5Y Estimate)
5.00%
Dividends per Share ($)
» More Articles for NBHC

Headlines

Articles On GuruFocus.com
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Paul Singer Sells Juniper and Fox, Sells Out Family Dollar Stores Dec 07 2015 
Paul Singer Sells Two-Thirds of Stake in National Bank Holdings Apr 14 2015 
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David Einhorn Buys Ira Sohn Recommendation, 5 Others May 16 2013 

More From Other Websites
National Bank Holdings Corp. breached its 50 day moving average in a Bullish Manner : NBHC-US :... Apr 26 2017
Edited Transcript of NBHC earnings conference call or presentation 21-Apr-17 3:00pm GMT Apr 24 2017
National Bank Holdings posts 1Q profit Apr 20 2017
National Bank Holdings Corporation Announces First Quarter 2017 Financial Results Apr 20 2017
National Bank Holdings Corporation Announces Date for First Quarter Earnings Release Apr 06 2017
National Bank Holdings Corp. breached its 50 day moving average in a Bearish Manner : NBHC-US :... Apr 04 2017
Post Earnings Coverage as Fifth Third Bancorp's Q4 EPS Outshined Expectations Feb 07 2017
ETFs with exposure to National Bank Holdings Corp. : February 2, 2017 Feb 02 2017
National Bank Holdings Corp. :NBHC-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
Edited Transcript of NBHC earnings conference call or presentation 27-Jan-17 4:00pm GMT Jan 27 2017
National Bank Holdings Corporation Announces Record Fourth Quarter and Full Year 2016 Financial... Jan 26 2017
Community Banks of Colorado Announces New Commercial Banking Team Leader Jan 24 2017
David Terry Appointed as President of Hillcrest Bank Jan 24 2017
National Bank Holdings Corp. : NBHC-US: Dividend Analysis : November 25th, 2016 (record date) : By... Jan 23 2017
National Bank Holdings Corporation Announces Quarterly Dividend Jan 19 2017
National Bank Holdings Corporation Announces Date for Fourth Quarter Earnings Release Jan 09 2017
NBH Bank Appoints New Board Directors and Announces New Community Banks of Colorado President Dec 14 2016
Here is What Hedge Funds Think About National Bank Holdings Corp (NBHC) Dec 10 2016
National Bank Holdings Corp. breached its 50 day moving average in a Bearish Manner : NBHC-US :... Nov 07 2016

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