Stocktoria
National Bank Holdings Corp NBHC
National Bank Holdings Corp (NBHC) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 2.27% (safety: moderate). FY2025 revenue was $47.1M at a 232.4% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| NBHC | National Bank Holdings Corp | 6/9 | — | 18.5 | +2.1% |
| CAC | CAMDEN NATIONAL CORP | 3/9 | — | 14.1 | +17% |
| WAFD | WAFD INC | 6/9 | — | 12.1 | +7.8% |
| SHBI | SHORE BANCSHARES INC | 4/9 | — | 13.1 | -0.3% |
| CARE | Carter Bankshares, Inc. | 6/9 | — | 23.8 | +4.6% |
| CHCO | CITY HOLDING CO | 6/9 | — | 14.5 | +3.2% |
| DCBG | Dime Commercial Bancshares, Inc. /NY/ | 5/9 | — | — | +19% |
All Finance, Insurance & Real Estate companies →
About National Bank Holdings Corp
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. 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, Texas, Utah, Wyoming, New Mexico and Idaho. 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.
FAQ
Is NBHC financially healthy?
National Bank Holdings Corp's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does NBHC pay a dividend, and is it safe?
Yes. National Bank Holdings Corp pays a dividend yielding about 2.27% with a 42.0% payout ratio, rated “moderate” for safety.
How profitable is NBHC?
In FY2025, National Bank Holdings Corp had a net margin of 232.4% and a return on equity of 7.9%.
Is NBHC overvalued or undervalued?
National Bank Holdings Corp trades at about 15.1× trailing earnings — near its 10-year norm (10-year range 9.4×–62.7×, median 15.1×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for NBHC?
The average Wall-Street price target for National Bank Holdings Corp is $48.75, about 13.2% above the recent price, from 4 analysts (consensus: buy).
Is NBHC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on National Bank Holdings Corp: a Piotroski F-score of 6/9, a P/E of about 18.5×, a dividend yield of 2.27%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.