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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 2.43
NBHC's Cash to Debt is ranked higher than
52% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. NBHC: 2.43 )
Ranked among companies with meaningful Cash to Debt only.
NBHC' s Cash to Debt Range Over the Past 10 Years
Min: 2.43  Med: No Debt Max: No Debt
Current: 2.43
Equity to Asset 0.12
NBHC's Equity to Asset is ranked higher than
62% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NBHC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
NBHC' s Equity to Asset Range Over the Past 10 Years
Min: 0.12  Med: 0.18 Max: 0.22
Current: 0.12
0.12
0.22
Interest Coverage 1.63
NBHC's Interest Coverage is ranked lower than
51% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. NBHC: 1.63 )
Ranked among companies with meaningful Interest Coverage only.
NBHC' s Interest Coverage Range Over the Past 10 Years
Min: 0.14  Med: 0.86 Max: No Debt
Current: 1.63
F-Score: 5
M-Score: -2.35
WACC vs ROIC
9.90%
3.39%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 12.10
NBHC's Operating margin (%) is ranked lower than
84% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.98 vs. NBHC: 12.10 )
Ranked among companies with meaningful Operating margin (%) only.
NBHC' s Operating margin (%) Range Over the Past 10 Years
Min: -283.99  Med: 5.46 Max: 28.34
Current: 12.1
-283.99
28.34
Net-margin (%) 8.40
NBHC's Net-margin (%) is ranked lower than
84% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. NBHC: 8.40 )
Ranked among companies with meaningful Net-margin (%) only.
NBHC' s Net-margin (%) Range Over the Past 10 Years
Min: -318.92  Med: 3.48 Max: 17.13
Current: 8.4
-318.92
17.13
ROE (%) 2.73
NBHC's ROE (%) is ranked lower than
84% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. NBHC: 2.73 )
Ranked among companies with meaningful ROE (%) only.
NBHC' s ROE (%) Range Over the Past 10 Years
Min: -0.14  Med: 0.68 Max: 4.03
Current: 2.73
-0.14
4.03
ROA (%) 0.35
NBHC's ROA (%) is ranked lower than
79% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NBHC: 0.35 )
Ranked among companies with meaningful ROA (%) only.
NBHC' s ROA (%) Range Over the Past 10 Years
Min: -0.14  Med: 0.13 Max: 0.73
Current: 0.35
-0.14
0.73
Revenue Growth (3Y)(%) 3.90
NBHC's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. NBHC: 3.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NBHC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -0.8 Max: 52.9
Current: 3.9
0
52.9
EBITDA Growth (3Y)(%) 29.60
NBHC's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. NBHC: 29.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NBHC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 3.25 Max: 44.6
Current: 29.6
0
44.6
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
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

NBHC Guru Trades in Q4 2015

Paul Tudor Jones 66,694 sh (New)
Jim Simons 814,500 sh (+14.62%)
Paul Singer 3,102,835 sh (unchged)
» More
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
» 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: 6022
Compare:NYSE:BANC, NAS:SBCF, NAS:TRST, NAS:TCBK, NAS:RBCAA, NAS:CNOB, NAS:ORIT, NAS:MSFG, NAS:CTBI, NAS:EFSC, NAS:HFWA, NAS:UVSP, NAS:GABC, NAS:LBAI, NAS:COBZ, NAS:NFBK, NAS:WASH, NAS:GSBC, NAS:GBNK, NAS:BDGE » details
Traded in other countries:NB9.Germany,
National Bank Holdings Corp is a bank holding company. 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.

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
P/E(ttm) 55.92
NBHC's P/E(ttm) is ranked lower than
96% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. NBHC: 55.92 )
Ranked among companies with meaningful P/E(ttm) only.
NBHC' s P/E(ttm) Range Over the Past 10 Years
Min: 41.13  Med: 139.86 Max: 99999999.99
Current: 55.92
41.13
99999999.99
Forward P/E 24.51
NBHC's Forward P/E is ranked lower than
95% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.41 vs. NBHC: 24.51 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 55.92
NBHC's PE(NRI) is ranked lower than
96% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. NBHC: 55.92 )
Ranked among companies with meaningful PE(NRI) only.
NBHC' s PE(NRI) Range Over the Past 10 Years
Min: 41.13  Med: 139.86 Max: 99999999.99
Current: 55.92
41.13
99999999.99
Price/Owner Earnings (ttm) 44.14
NBHC's Price/Owner Earnings (ttm) is ranked lower than
92% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.64 vs. NBHC: 44.14 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NBHC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 27.12  Med: 36.74 Max: 50.17
Current: 44.14
27.12
50.17
P/B 1.48
NBHC's P/B is ranked lower than
68% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. NBHC: 1.48 )
Ranked among companies with meaningful P/B only.
NBHC' s P/B Range Over the Past 10 Years
Min: 0.86  Med: 0.98 Max: 1.52
Current: 1.48
0.86
1.52
P/S 4.85
NBHC's P/S is ranked lower than
74% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. NBHC: 4.85 )
Ranked among companies with meaningful P/S only.
NBHC' s P/S Range Over the Past 10 Years
Min: 3.33  Med: 4.72 Max: 5.61
Current: 4.85
3.33
5.61
PFCF 190.88
NBHC's PFCF is ranked lower than
98% of the 823 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. NBHC: 190.88 )
Ranked among companies with meaningful PFCF only.
NBHC' s PFCF Range Over the Past 10 Years
Min: 32.74  Med: 67.35 Max: 194.45
Current: 190.88
32.74
194.45
POCF 116.35
NBHC's POCF is ranked lower than
98% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. NBHC: 116.35 )
Ranked among companies with meaningful POCF only.
NBHC' s POCF Range Over the Past 10 Years
Min: 30.77  Med: 45.79 Max: 118.55
Current: 116.35
30.77
118.55
EV-to-EBIT 31.06
NBHC's EV-to-EBIT is ranked lower than
86% of the 1216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. NBHC: 31.06 )
Ranked among companies with meaningful EV-to-EBIT only.
NBHC' s EV-to-EBIT Range Over the Past 10 Years
Min: 23  Med: 69 Max: 196.8
Current: 31.06
23
196.8
EV-to-EBITDA 19.11
NBHC's EV-to-EBITDA is ranked lower than
74% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.20 vs. NBHC: 19.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
NBHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.5  Med: 24.9 Max: 39.9
Current: 19.11
9.5
39.9
PEG 3.61
NBHC's PEG is ranked lower than
80% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. NBHC: 3.61 )
Ranked among companies with meaningful PEG only.
NBHC' s PEG Range Over the Past 10 Years
Min: 0  Med: 106.97 Max: 114.19
Current: 3.61
0
114.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.69
NBHC's Dividend Yield is ranked lower than
93% of the 2358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. NBHC: 0.69 )
Ranked among companies with meaningful Dividend Yield only.
NBHC' s Dividend Yield Range Over the Past 10 Years
Min: 0.26  Med: 0.98 Max: 1.1
Current: 0.69
0.26
1.1
Dividend Payout 0.36
NBHC's Dividend Payout is ranked higher than
78% of the 1314 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. NBHC: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
NBHC' s Dividend Payout Range Over the Past 10 Years
Min: 0.36  Med: 1.43 Max: 1.43
Current: 0.36
0.36
1.43
Dividend Growth (3y) 58.70
NBHC's Dividend Growth (3y) is ranked higher than
94% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. NBHC: 58.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NBHC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 58.7
Current: 58.7
0
58.7
Forward Dividend Yield 0.91
NBHC's Forward Dividend Yield is ranked lower than
92% of the 2268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.77 vs. NBHC: 0.91 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.71
NBHC's Yield on cost (5-Year) is ranked lower than
95% of the 2640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. NBHC: 0.71 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NBHC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.26  Med: 0.98 Max: 1.1
Current: 0.71
0.26
1.1
3-Year Average Share Buyback Ratio 16.60
NBHC's 3-Year Average Share Buyback Ratio is ranked higher than
99% of the 1049 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. NBHC: 16.60 )
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: 12.95 Max: 0
Current: 16.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.71
NBHC's Price/Tangible Book is ranked lower than
69% of the 1600 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. NBHC: 1.71 )
Ranked among companies with meaningful Price/Tangible Book only.
NBHC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.96  Med: 1.1 Max: 1.71
Current: 1.71
0.96
1.71
Price/Projected FCF 65.21
NBHC's Price/Projected FCF is ranked lower than
100% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. NBHC: 65.21 )
Ranked among companies with meaningful Price/Projected FCF only.
NBHC' s Price/Projected FCF Range Over the Past 10 Years
Min: 11.57  Med: 11.72 Max: 65.27
Current: 65.21
11.57
65.27
Price/Median PS Value 1.03
NBHC's Price/Median PS Value is ranked higher than
63% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. NBHC: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
NBHC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.72  Med: 1 Max: 1.18
Current: 1.03
0.72
1.18
Price/Graham Number 2.06
NBHC's Price/Graham Number is ranked lower than
95% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. NBHC: 2.06 )
Ranked among companies with meaningful Price/Graham Number only.
NBHC' s Price/Graham Number Range Over the Past 10 Years
Min: 1.54  Med: 2.69 Max: 9.61
Current: 2.06
1.54
9.61
Earnings Yield (Greenblatt) (%) 3.24
NBHC's Earnings Yield (Greenblatt) (%) is ranked lower than
65% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NBHC: 3.24 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NBHC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.5  Med: 1.4 Max: 4.3
Current: 3.24
0.5
4.3
Forward Rate of Return (Yacktman) (%) -5.94
NBHC's Forward Rate of Return (Yacktman) (%) is ranked lower than
85% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. NBHC: -5.94 )
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: -9.7  Med: -8 Max: -5.94
Current: -5.94
-9.7
-5.94

More Statistics

Revenue (TTM) (Mil) $195.2
EPS (TTM) $ 0.56
Beta0.90
Short Percentage of Float3.31%
52-Week Range $18.48 - 32.59
Shares Outstanding (Mil)25.96

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 189 187
EPS ($) 0.69 1.26
EPS w/o NRI ($) 0.69 1.26
EPS Growth Rate
(3Y to 5Y Estimate)
5.00%
Dividends Per Share ($)
» More Articles for NBHC

Headlines

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More From Other Websites
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Edited Transcript of NBHC earnings conference call or presentation 21-Oct-16 3:00pm GMT Oct 21 2016
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