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National Bank HoldingsNBHC -1.04%62 Equity-to-Asset is 0.13 as of Jun. 2026, which is 8% above its 10-year median of 0.12. GuruFocus rates NBHC with a GF Score™ of 62/100 and a GF Value™ of $41.59 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,521 Banks companies, National Bank Holdings ranks better than 78.3% on this metric.
National Bank Holdings (NYSE:NBHC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
National Bank Holdings Equity-to-Asset Related Terms
National Bank Holdings Equity-to-Asset Historical Data
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The historical data trend for National Bank Holdings's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NBHC vs OCFC, LOB, RBCAA: Equity-to-Asset Comparison
For the Banks - Regional subindustry, National Bank Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
National Bank Holdings Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, National Bank Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where National Bank Holdings's Equity-to-Asset falls into.
National Bank Holdings Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
National Bank Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
National Bank Holdings (NBHC) has a Equity-to-Asset of 0.13 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on National Bank Holdings and its competitors. This is near median its historical median of 0.12. Over the past decade, National Bank Holdings' Equity-to-Asset has ranged from 0.11 to 0.14. According to the industry distribution chart, National Bank Holdings ranks #330 out of 1521 companies in the Banks industry, placing it in the top 21.7%.
Is National Bank Holdings' Equity-to-Asset too high?
National Bank Holdings' current Equity-to-Asset of 0.13 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. National Bank Holdings' value of 0.13 is 30% above this industry median. Based on the distribution chart, National Bank Holdings ranks #330 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Bank Holdings has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does National Bank Holdings' Equity-to-Asset compare to OCFC and LOB?
According to the Banks industry distribution chart, National Bank Holdings ranks #330 out of 1521 companies for Equity-to-Asset. This places National Bank Holdings in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. National Bank Holdings' value of 0.13 is 30% above this benchmark. Historically, National Bank Holdings' own Equity-to-Asset has ranged from 0.11 to 0.14 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, National Bank Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bank Holdings's current Equity-to-Asset of 0.13 is 30% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on National Bank Holdings and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank Holdings's current Equity-to-Asset is 0.13, which is near median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank Holdings stock overvalued right now?
Based on GuruFocus' analysis, National Bank Holdings (NBHC) is currently considered Fairly Valued. The stock's GF Value™ is $41.59, compared to a current price of $40.86 — trading 1.8% below its estimated fair value. The current Equity-to-Asset is 0.13, which is near median its 10-year median of 0.12 and 30% above the Banks industry median of 0.10. National Bank Holdings' overall GF Score™ is 62/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For National Bank Holdings (NBHC), the current Equity-to-Asset is 0.13 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is National Bank Holdings (NBHC) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank Holdings stock appears to be undervalued.
The current stock price of $40.86 is trading 1.8% below its estimated GF Value™ of $41.59.
GuruFocus considers National Bank Holdings to be Fairly Valued.
Key valuation signals for NBHC:
Equity-to-Asset: 0.13 (near median its 10-year median of 0.12)
GF Value™: $41.59 vs. price of $40.86 (1.8% below fair value)
Industry Position: 30% above the Banks median (#330 of 1521)
No single metric tells the full story. See the NBHC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank Holdings Corp offers a full range of banking products and financial services to commercial, business, and consumer clients predominantly in Colorado, with a focus on personalized service through relationship managers and banking center associates. The company provides commercial and industrial loans, non-owner occupied commercial real estate loans, Small Business Administration loans as a Preferred Lender Provider, U.S. Department of Agriculture and Farm Service Agency loans, commercial deposit and treasury management products, business online and mobile banking, consumer and residential real estate loans, deposit services, and trust and wealth management services. Its services emphasize full-relationship banking, integrating lending, deposits, and cash management solutions.
62GF Score
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