National Bank Holdings Corporation (NBHC)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$42.07+0.50%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · NBHC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue disciplined earnings growth aiming to exceed $1.00 diluted EPS in the fourth quarter of 2026.
Stated as a priority in 3 of last 3 quarters. Adjusted diluted EPS was $0.78 in 2026-Q2 and $0.46 in 2026-Q1, with $0.92 in 2025-Q3. Management reiterated the goal to surpass $1.00 EPS in Q4 2026. The trajectory shows steady earnings growth delivering toward this target.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 0 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We delivered adjusted quarterly earnings of $0.78 per diluted share in 2Q26.”
“Momentum across the organization reinforces our belief in our ability to prudently grow our earnings this year and surpass a projected $1.00 of earnings per share in the fourth quarter.”
“We delivered quarterly earnings of $0.92 per diluted share and continue to be disciplined with loan and deposit pricing.”
Complete integration of Vista Bancshares acquisition to expand presence in Texas and Florida markets.
Stated in 3 of last 3 quarters. The Vista Bancshares acquisition added $1.9 billion in loans and $2.2 billion in deposits as of 2026-Q2. Integration is ongoing with core systems expected to complete in 3Q26. Management is delivering on expanding footprint through this acquisition.
“In January 2026, completed the acquisition of Vista Bancshares adding $1.9 billion in loans and $2.2 billion in deposits; integration to be completed in 3Q26.”
“Completed acquisition of Vista Bancshares with operations in Texas and Florida; merger consideration totaled $377.7 million.”
“Announced definitive agreement to acquire Vista Bancshares to expand footprint in Texas and Florida.”
Sustain strong credit quality with low non-performing loans and active credit risk management.
Stated in 3 of last 3 quarters. Non-performing loans improved from 0.36% in 2025-Q3 to 0.31% in 2026-Q1 and remained at 0.31% in 2026-Q2. Management emphasizes proactive credit monitoring and strong credit quality, with the trajectory showing improvement and maintenance of low credit risk.
“Strong credit quality as non-performing loans totaled 0.31% of total loans at June 30, 2026.”
“Non-performing loans improved to 0.31% of total loans at March 31, 2026; allowance for credit losses was 1.18%.”
“Credit quality remained solid with improving non-performing loans ratio and net recoveries.”
Maintain disciplined capital allocation strategy including share repurchase program and dividend payments.
Stated in 3 of last 3 quarters. Management adopted a $100 million share repurchase program in 2026 and executed $27.2 million in repurchases in the first half of 2026, including $11.1 million in 2Q26. The capital allocation strategy is actively delivering with ongoing repurchases and dividend payments.
“Executed $11.1 million of share repurchases in 2Q26 and $27.2 million in first six months of 2026.”
“Board authorized new stock repurchase program to purchase up to $100 million of common stock.”
“Executed $8.8 million of share buybacks as part of ongoing capital strategy.”
Management expects a strong EPS accretion of approximately 17% for the fiscal year 2026.
Over the trailing year it converted 0.52x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, long-term interest rates, real (inflation-adjusted) rates (low R² over the window).
19 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.