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Upturn AI SWOT - About
National Bank Holdings Corporation (NBHC)
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Upturn Advisory Summary
04/01/2025: NBHC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -26.16% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.48B USD | Price to earnings Ratio 12.61 | 1Y Target Price 47.2 |
Price to earnings Ratio 12.61 | 1Y Target Price 47.2 | ||
Volume (30-day avg) 260611 | Beta 0.86 | 52 Weeks Range 31.27 - 51.09 | Updated Date 04/2/2025 |
52 Weeks Range 31.27 - 51.09 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 3.02% | Basic EPS (TTM) 3.08 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.72% | Operating Margin (TTM) 39.22% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 9.44% |
Valuation
Trailing PE 12.61 | Forward PE - | Enterprise Value 1456373248 | Price to Sales(TTM) 3.7 |
Enterprise Value 1456373248 | Price to Sales(TTM) 3.7 | ||
Enterprise Value to Revenue 3.91 | Enterprise Value to EBITDA - | Shares Outstanding 38094100 | Shares Floating 37237452 |
Shares Outstanding 38094100 | Shares Floating 37237452 | ||
Percent Insiders 2.07 | Percent Institutions 99.93 |
Analyst Ratings
Rating 3.4 | Target Price 51.8 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
National Bank Holdings Corporation
Company Overview
History and Background
National Bank Holdings Corporation (NBHC) was founded in 2009 and is headquartered in Greenwood Village, Colorado. It was formed to create a leading community bank platform. It has grown through acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate, equipment financing, and working capital loans.
- Personal Banking: Offers consumer banking products and services such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides wealth management services to individuals and families, including investment management, financial planning, and trust services.
Leadership and Structure
NBHC's leadership team includes Steve Seifert, President and CEO. The organizational structure comprises various departments including commercial banking, retail banking, and wealth management, with regional leadership overseeing local market operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides various commercial loan products. Market share data specific to NBHC's commercial lending market share is unavailable. Competitors include larger national and regional banks, as well as smaller community banks like Western Alliance Bancorporation (WAL) and UMB Financial Corporation (UMBF).
- Mortgage Lending: Offers residential mortgage loans. Market share data specific to NBHC's mortgage market share is unavailable. Competitors include national lenders and credit unions, such as Rocket Companies (RKT).
- Deposit Accounts: Provides checking, savings, and money market accounts. Competitors include Chase (JPM), Wells Fargo (WFC), and Bank of America (BAC).
Market Dynamics
Industry Overview
The banking industry is facing increasing competition, rising interest rates, and evolving regulatory landscape. Fintech companies are disrupting traditional banking models, and cybersecurity threats are a growing concern.
Positioning
NBHC positions itself as a community bank offering personalized service and local expertise. Its competitive advantages include its strong customer relationships and focus on specific geographic markets.
Total Addressable Market (TAM)
The total addressable market for banking services is vast, encompassing all individuals and businesses requiring financial services. NBHC is focused on capturing a share of this market within its target geographies. The US Banking Market is approximately $1.5 Trillion. NBHC's market share is small but growing.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Diversified revenue streams
- Solid capital base
Weaknesses
- Limited geographic presence compared to larger banks
- Higher operating costs than some competitors
- Dependence on regional economies
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Adoption of new technologies to improve efficiency
- Acquisition of smaller banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WAL
- UMBF
- TCBI
Competitive Landscape
NBHC competes with larger national and regional banks, as well as smaller community banks. Its advantages lie in its local market expertise and personalized service, while its disadvantages include its limited geographic presence.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: NBHC's growth has been driven by organic expansion and acquisitions.
Future Projections: Analyst projections for NBHC's future growth are not available in this context and would require consulting financial analyst reports.
Recent Initiatives: Recent initiatives may include digital banking enhancements, new product launches, and market expansion efforts.
Summary
National Bank Holdings Corporation (NBHC) is a community bank that has grown through acquisitions and organic expansion. The company's strengths include customer relationships and its diversified revenue streams, which are offset by the limited geographic reach and higher operating costs. Future success will depend on managing risk and expanding operations.
Similar Companies
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
UMBF
UMB Financial Corporation
UMBF
UMB Financial Corporation
WAL
Western Alliance Bancorporation
WAL
Western Alliance Bancorporation
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Industry Reports
- Market Data Providers
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About National Bank Holdings Corporation
Exchange NYSE | Headquaters Greenwood Village, CO, United States | ||
IPO Launch date 2012-09-20 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1259 | |
Full time employees 1259 | |||
National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, health savings, and other deposit accounts, including fixed-rate and fixed maturity time deposits ranging. The company also provides commercial and industrial loans and leases, such as working capital loans, equipment loans, lender finance loans, food and agriculture loans, government and non-profit loans, owner occupied commercial real estate loans, and other commercial loans and leases; non-owner occupied commercial real estate loans consisting of loans on commercial properties, such as hospitality, office buildings, warehouse/distribution buildings, multi-family, and retail buildings; small business administration loans to support small businesses and entrepreneurs; term loans, line of credits, and real estate secured loans; residential real estate loans; and consumer loans. In addition, it offers treasury management solutions comprising online and mobile banking, commercial credit card, wire transfer, automated clearing house, electronic bill payment, lock box, remote deposit capture, merchant processing, cash vault, controlled disbursements, and fraud prevention services, as well as positive pay and other auxiliary services, including account reconciliation, collections, repurchase accounts, zero balance accounts, and sweep accounts. The company operates through a network of banking centers located in Colorado, the greater Kansas City region, New Mexico, Utah, Wyoming, Idaho, and Texas. It also operates ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. The company was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.
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