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National Bank HoldingsNBHC -1.04%62 OCF Margin % is 105.78% as of Jun. 2026, which is 202% above its 10-year median of 35.01. 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 1,490 Banks companies, National Bank Holdings ranks better than 60.87% on this metric.
* 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.
For the Banks - Regional subindustry, National Bank Holdings's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, National Bank Holdings's OCF Margin % distribution charts can be found below:
* The bar in red indicates where National Bank Holdings's OCF Margin % falls into.
* 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 OCF Margin % of 105.78% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on National Bank Holdings and its competitors. This is 202% above median its historical median of 35.01. According to the industry distribution chart, National Bank Holdings ranks #583 out of 1490 companies in the Banks industry, placing it in the top 39.1%.
Is National Bank Holdings' OCF Margin % too high?
National Bank Holdings' current OCF Margin % of 105.78% is 202% above median its 10-year median of 35.01. The Banks industry median OCF Margin % is 30.88. National Bank Holdings' value of 105.78% is 242.6% above this industry median. Based on the distribution chart, National Bank Holdings ranks #583 out of 1490 companies in the Banks industry, which is above the industry midpoint. 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' OCF Margin % compare to OCFC and LOB?
According to the Banks industry distribution chart, National Bank Holdings ranks #583 out of 1490 companies for OCF Margin %. This puts National Bank Holdings in the upper half of its industry. The industry median OCF Margin % is 30.88. National Bank Holdings' value of 105.78% is 242.6% above this benchmark. While the company's 10-year median is 35.01 vs. the industry median of 30.88, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.88, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bank Holdings's current OCF Margin % of 105.78% is 242.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on National Bank Holdings and its competitors. For the Banks industry, the median OCF Margin % is 30.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank Holdings's current OCF Margin % is 105.78%, which is 202% above median its own 10-year median of 35.01. 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 OCF Margin % is 105.78%, which is 202% above median its 10-year median of 35.01 and 242.6% above the Banks industry median of 30.88. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For National Bank Holdings (NBHC), the current OCF Margin % is 105.78% 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:
OCF Margin %: 105.78% (202% above median its 10-year median of 35.01)
GF Value™: $41.59 vs. price of $40.86 (1.8% below fair value)
Industry Position: 242.6% above the Banks median (#583 of 1490)
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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