National Bank Holdings Corporation (NBHC) Income Statement Analysis

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Complete financial analysis of National Bank Holdings Corporation (NBHC) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of National Bank Holdings Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.

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National Bank Holdings Corporation (NBHC)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.nationalbankholdings.com

About National Bank Holdings Corporation

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 manufacturers, distributors, and service providers; 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. As of January 20, 2022, the company operated through a network of 81 banking centers located in Colorado, the greater Kansas City region, New Mexico, Utah, and Texas. It also operates 121 ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. National Bank Holdings Corporation was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	420.10M	340.31M	297.98M	333.24M	295.78M	268.70M	189.66M	190.05M	192.79M	208.11M	215.29M	243.38M	244.95M	58.07M	481.00K
Cost of Revenue	2.53M	0.00	0.00	0.00	0.00	5.45M	3.99M	4.44M	3.70M	3.08M	5.08M	4.27M	0.00	0.00	0.00
Gross Profit	417.57M	340.31M	297.98M	333.24M	295.78M	263.25M	185.68M	185.61M	189.09M	205.03M	210.21M	239.11M	244.95M	58.07M	481.00K
Gross Profit Ratio	99.40%	100.00%	100.00%	100.00%	100.00%	97.97%	97.90%	97.66%	98.08%	98.52%	97.64%	98.25%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	144.71M	124.97M	127.50M	141.17M	122.73M	114.94M	80.19M	79.77M	82.69M	91.70M	87.19M	82.04M	87.83M	27.44M	1.78M
Selling & Marketing	4.00M	3.82M	2.51M	2.80M	3.90M	4.51M	2.68M	2.56M	4.33M	4.57M	5.28M	5.54M	6.03M	0.00	0.00
SG&A	148.71M	124.97M	127.50M	141.17M	122.73M	114.94M	80.19M	79.77M	82.69M	91.70M	87.19M	82.04M	93.86M	27.44M	1.78M
Other Expenses	271.39M	-355.73M	5.16M	5.10M	5.07M	-297.64M	-204.34M	-215.84M	-255.17M	-287.13M	-278.48M	-294.75M	-227.71M	-70.99M	-3.62M
Operating Expenses	420.10M	-230.76M	132.67M	146.27M	127.80M	-165.61M	-124.15M	-136.07M	-172.48M	-195.43M	-191.29M	-212.71M	-133.84M	-43.56M	-1.85M
Cost & Expenses	420.10M	-230.76M	132.67M	146.27M	127.80M	-165.61M	3.99M	4.44M	3.70M	3.08M	5.08M	4.27M	-133.84M	-43.56M	-1.85M
Interest Income	492.16M	290.20M	200.97M	218.00M	242.60M	221.39M	164.42M	160.45M	171.41M	184.66M	195.48M	233.49M	196.03M	21.42M	481.00K
Interest Expense	133.46M	17.85M	13.82M	25.06M	36.77M	23.95M	18.12M	14.81M	14.46M	14.41M	16.51M	29.23M	41.70M	5.51M	0.00
Depreciation & Amortization	0.00	10.74M	8.48M	9.28M	9.38M	10.77M	12.89M	14.20M	21.28M	33.09M	24.31M	19.16M	7.03M	228.00K	0.00
EBITDA	0.00	102.63M	128.56M	123.85M	111.23M	85.20M	48.75M	40.21M	0.00	0.00	0.00	0.00	76.94M	9.10M	-1.37M
EBITDA Ratio	0.00%	32.88%	40.71%	34.71%	34.64%	40.62%	35.26%	28.95%	19.65%	20.51%	20.08%	18.72%	48.23%	25.39%	-283.99%
Operating Income	179.95M	109.55M	120.13M	114.50M	101.26M	97.64M	61.52M	49.54M	16.61M	9.60M	18.92M	26.41M	111.11M	14.52M	-1.37M
Operating Income Ratio	42.84%	32.19%	40.32%	34.36%	34.24%	36.34%	32.44%	26.07%	8.62%	4.61%	8.79%	10.85%	45.36%	25.00%	-283.99%
Total Other Income/Expenses	-4.35M	-118.00K	-3.14M	-3.98M	-1.80M	-7.96M	-2.70M	0.00	-2.11M	-4.11M	-3.39M	4.04M	-5.31M	-228.00K	0.00
Income Before Tax	175.60M	91.70M	120.13M	114.50M	101.26M	73.68M	35.86M	26.01M	7.93M	12.34M	10.88M	4.04M	69.41M	9.00M	-1.37M
Income Before Tax Ratio	41.80%	26.95%	40.32%	34.36%	34.24%	27.42%	18.91%	13.68%	4.11%	5.93%	5.05%	1.66%	28.34%	15.50%	-283.99%
Income Tax Expense	33.55M	20.42M	26.53M	25.91M	20.89M	12.23M	21.28M	2.95M	3.04M	3.17M	3.95M	4.58M	27.45M	2.95M	168.00K
Net Income	142.05M	71.27M	93.61M	88.59M	80.37M	61.45M	14.58M	23.06M	4.88M	9.18M	6.93M	-543.00K	41.96M	6.05M	-1.53M
Net Income Ratio	33.81%	20.94%	31.41%	26.58%	27.17%	22.87%	7.69%	12.13%	2.53%	4.41%	3.22%	-0.22%	17.13%	10.42%	-318.92%
EPS	3.74	2.20	3.04	2.87	2.57	2.00	0.54	0.81	0.14	0.22	0.14	-0.01	0.81	0.11	-0.03
EPS Diluted	3.72	2.18	3.01	2.85	2.55	1.96	0.53	0.79	0.14	0.22	0.14	-0.01	0.81	0.11	-0.03
Weighted Avg Shares Out	37.94M	32.36M	30.73M	30.86M	31.18M	30.75M	26.93M	28.47M	34.49M	41.71M	49.48M	52.21M	51.98M	53.00M	52.18M
Weighted Avg Shares Out (Dil)	38.11M	32.68M	31.07M	31.08M	31.53M	31.43M	27.71M	29.19M	34.86M	41.71M	49.48M	52.21M	52.10M	53.00M	52.31M

National Bank Holdings posts smaller-than-expected Q2 EPS

July 19, 2023marketwatch.com

Shares of National Bank Holdings Corp. NBHC, +3.41% dropped more than 5% in the extended session Wednesday after the Colorado-based parent of several Western and Midwestern banks reported profit a tad lower than Wall Street expectations. National Bank said it...

National Bank Holdings (NBHC) Misses Q2 Earnings and Revenue Estimates

July 19, 2023zacks.com

National Bank Holdings (NBHC) came out with quarterly earnings of $0.85 per share, missing the Zacks Consensus Estimate of $0.90 per share. This compares to earnings of $0.69 per share a year ago.

National Bank Holdings Corporation Announces Second Quarter 2023 Financial Results

July 19, 2023globenewswire.com

DENVER, July 19, 2023 (GLOBE NEWSWIRE) -- National Bank Holdings Corporation (NYSE: NBHC) reported: For the quarter ...

National Bank Holdings (NBHC) Earnings Expected to Grow: Should You Buy?

July 12, 2023zacks.com

National Bank Holdings (NBHC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

National Bank Holdings Corporation Announces Date for 2023 Second Quarter Earnings Release

July 7, 2023globenewswire.com

DENVER, July 07, 2023 (GLOBE NEWSWIRE) -- National Bank Holdings Corporation (NYSE: NBHC) expects to report its second quarter financial results after the markets close on Wednesday, July 19, 2023. Management will host a conference call to review the results...

5 Reasons to Add National Bank (NBHC) to Your Portfolio Now

June 27, 2023zacks.com

Supported by strong fundamentals and good growth prospects, the National Bank (NBHC) stock seems to be a viable investment option now.

Hovde Group cuts bank earnings view across the board amid a ‘competitive battle of historic proportions' over deposit funding costs

June 14, 2023marketwatch.com

Hovde Group analysts on Wednesday cut their earnings projections for its coverage area of 27 regional banks to about 7% to 9% below the current Wall Street consensus figures amid competition for deposits, as Fifth Third Bancorp added its name...