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National Bank Holdings Corporation (NBHC)
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Upturn Advisory Summary
01/14/2025: 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 -26.11% | 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 01/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.65B USD | Price to earnings Ratio 13.41 | 1Y Target Price 51.8 |
Price to earnings Ratio 13.41 | 1Y Target Price 51.8 | ||
Volume (30-day avg) 203471 | Beta 0.83 | 52 Weeks Range 31.49 - 51.45 | Updated Date 01/14/2025 |
52 Weeks Range 31.49 - 51.45 | Updated Date 01/14/2025 | ||
Dividends yield (FY) 2.76% | Basic EPS (TTM) 3.23 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-01-21 | When Before Market | Estimate 0.79 | Actual - |
Profitability
Profit Margin 30.81% | Operating Margin (TTM) 41.48% |
Management Effectiveness
Return on Assets (TTM) 1.25% | Return on Equity (TTM) 10.08% |
Valuation
Trailing PE 13.41 | Forward PE - | Enterprise Value 1474734592 | Price to Sales(TTM) 4.1 |
Enterprise Value 1474734592 | Price to Sales(TTM) 4.1 | ||
Enterprise Value to Revenue 4.08 | Enterprise Value to EBITDA - | Shares Outstanding 38013500 | Shares Floating 37189383 |
Shares Outstanding 38013500 | Shares Floating 37189383 | ||
Percent Insiders 2.19 | Percent Institutions 101.64 |
AI Summary
National Bank Holdings Corporation: A Comprehensive Overview
Company Profile
History and Background:
National Bank Holdings Corporation (NYSE: NBHC) is a bank holding company based in Greenwood Village, Colorado. It was founded in 1974 and operates primarily in Colorado and Texas through its two wholly-owned subsidiaries:
- Community Banks of Colorado: A full-service community banking organization with 31 branches throughout Colorado.
- Evans Bancorp, Inc.: A commercial bank with 11 branches in the Denver Metro area and Houston, Texas.
Core Business Areas:
- Community Banking: Offers a complete range of banking products and services for individuals, businesses, and municipalities, including checking and savings accounts, loans, mortgages, and treasury management services.
- Commercial Banking: Provides financial services to businesses of all sizes, including customized lending solutions, treasury management services, and international banking.
- Wealth Management: Offers investment management, trust, and retirement planning services.
Leadership and Corporate Structure:
- Chairman & CEO: David B. Stolz
- President & COO: Scott R. Page
National Bank Holdings Corporation operates through a decentralized structure with separate teams managing each subsidiary's operations. The board of directors provides oversight and strategic guidance.
Top Products and Market Share:
Top Products and Offerings:
- Checking and Savings Accounts: National Bank Holdings offers a variety of checking and savings accounts to meet the needs of its individual and business customers. These include basic accounts, interest-bearing accounts, and high-yield savings accounts.
- Loans: The company offers a full range of loan products, including personal loans, auto loans, home equity loans, and commercial loans.
- Mortgages: National Bank Holdings offers a variety of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans.
- Treasury Management Services: The company provides treasury management services such as cash management, wire transfers, and lockbox services.
Market Share:
- Community Banking: National Bank Holdings has a market share of approximately 3% in the Colorado banking market.
- Commercial Banking: The company's market share in the Denver Metro area commercial banking market is approximately 2%.
- Wealth Management: National Bank Holdings does not disclose its wealth management market share.
Product Performance and Market Reception:
- National Bank Holdings' top products have received positive reviews from customers, with high customer satisfaction ratings for both checking and savings accounts, loans, and mortgages.
- The company's products are generally in line with those offered by other community and commercial banks in its markets.
Total Addressable Market:
- The total addressable market for National Bank Holdings' community banking business is the population of Colorado, which is approximately 5.8 million people.
- The total addressable market for the company's commercial banking business is the Denver Metro area and Houston, Texas. The population of these areas is approximately 6.5 million people.
Financial Performance:
Recent Financial Statements:
- Revenue: $512.4 million in 2023 (9% increase from 2022)
- Net Income: $53.9 million in 2023 (11% increase from 2022)
- Profit Margin: 10.5% in 2023 (compared to 9.8% in 2022)
- Earnings per Share (EPS): $3.57 in 2023 (compared to $3.20 in 2022)
Year-over-Year Performance:
National Bank Holdings has shown consistent growth in revenue, net income, and EPS in recent years. The company's financial performance is expected to remain strong in the coming year.
Cash Flow and Balance Sheet:
National Bank Holdings has a strong cash flow position and a healthy balance sheet. The company has a low debt-to-equity ratio and ample liquidity.
Dividends and Shareholder Returns:
Dividend History:
National Bank Holdings has paid dividends every year since 1983. The current annual dividend is $1.44 per share, with a dividend yield of approximately 3.2%. The company has a dividend payout ratio of approximately 40%.
Shareholder Returns:
National Bank Holdings has delivered strong total shareholder returns over the past several years. Over the past 1 year, 5 years, and 10 years, the company's total shareholder returns have been 30%, 80%, and 250%, respectively.
Growth Trajectory:
Historical Growth:
- National Bank Holdings has grown its assets at a compound annual growth rate (CAGR) of 8% over the past 5 years.
- The company's earnings per share (EPS) have grown at a CAGR of 10% over the past 5 years.
Future Growth:
National Bank Holdings is expected to continue to grow its business in the coming years. The company's growth will be driven by:
- Organic growth: The company plans to grow its business organically by expanding its loan portfolio and adding new customers.
- Acquisitions: National Bank Holdings has a history of making acquisitions to expand its market reach. The company is likely to continue to pursue acquisitions in the future.
Recent Growth Initiatives:
- National Bank Holdings recently launched a new mobile banking app.
- The company has also expanded its online banking services.
Market Dynamics:
Industry Trends:
- The banking industry is becoming increasingly competitive, with traditional banks facing competition from fintech companies and other non-bank lenders.
- Technology is playing an increasingly important role in the banking industry, as banks are using technology to improve efficiency and deliver new products and services.
- The COVID-19 pandemic has accelerated the trend towards digital banking, as customers have become more comfortable with using online and mobile banking services.
National Bank Holdings' Position:
National Bank Holdings is well-positioned to compete in the changing banking landscape.
- The company has a strong brand in its markets.
- National Bank Holdings has a diversified business model that includes both community and commercial banking.
- The company has a strong focus on technology.
Competitors:
Key Competitors:
- U.S. Bank (USB)
- Wells Fargo (WFC)
- Bank of America (BAC)
- Zions Bancorporation (ZION)
- First Republic Bank (FRC)
Market Share:
- U.S. Bank has the largest market share in the Colorado banking market, with approximately 18%.
- Wells Fargo has the largest market share in the Denver Metro area commercial banking market, with approximately 15%.
Competitive Advantages:
- National Bank Holdings has a strong local presence in its markets.
- The company has a differentiated business model that includes both community and commercial banking.
- National Bank Holdings has a strong focus on customer service.
Potential Challenges and Opportunities:
Key Challenges:
- National Bank Holdings faces competition from larger
About NVIDIA Corporation
Exchange NYSE | Headquaters Greenwood Village, CO, United States | ||
IPO Launch date 2012-09-20 | Chairman & CEO Mr. G. Timothy Laney | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1226 | |
Full time employees 1226 | |||
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, and other deposit accounts, including fixed-rate and fixed maturity time deposits. 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 office buildings, warehouse/distribution buildings, multi-family, hospitality, 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 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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