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Monday 2 November 2026
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National Bank Holdings Corporation
NBHC Financial Banks Regional
National Bank Holdings Corporation’s revenue for fiscal 2025 (year ended December 2025) was $587.3 million, down 2.03% from fiscal 2024.
- Revenue
- +18.3%
- EPS
- −121.4%
- Free cash flow
- +394.3%
- Total debt
- +497.1%
Quarter to September 2026, against a year earlier
38.04
0.61
+1.63%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
13.29 | 13.94 | 9.92 | 19.12 | 14.45 | 11.41 | 13.70 | 15.44 | 58.69 | 38.05 |
Piotroski F-Score |
6 | 5 | 7 | 4 | 5 | 6 | 6 | 7 | 5 | 7 |
P/S ratio |
2.46 | 2.74 | 2.52 | 3.92 | 4.34 | 2.82 | 3.37 | 3.25 | 4.27 | 4.51 |
P/FCF ratio |
10.89 | 13.63 | 10.82 | 6.82 | 7.17 | 0.00 | 33.23 | 14.10 | 16.55 | 0.00 |
P/Operating CF |
37.92 | 35.44 | 31.55 | 41.14 | 38.98 | 18.88 | 10.47 | 18.79 | 44.77 | (29.08) |
P/B ratio |
1.04 | 1.26 | 1.16 | 1.26 | 1.61 | 1.23 | 1.43 | 1.37 | 1.63 | 1.69 |
Price to Tangible BV |
1.40 | 1.75 | 1.67 | 1.83 | 1.89 | 1.47 | 1.71 | 1.68 | 1.84 | 1.93 |
EV/Sales |
1.84 | 2.71 | 2.88 | 4.61 | 1.75 | 1.19 | 3.67 | 3.91 | 3.64 | 3.94 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
6.65 | 10.45 | 9.65 | 7.56 | 3.03 | (68.63) | 27.02 | 15.51 | 12.75 | (200.92) |
EV/FCF |
8.15 | 13.44 | 12.38 | 8.03 | 2.89 | (40.35) | 36.18 | 16.96 | 14.11 | (243.63) |
Quick Ratio |
0.05 | 0.02 | 0.02 | 0.02 | 0.14 | 0.11 | 0.02 | 0.02 | 0.06 | 0.04 |
Current Ratio |
0.94 | 0.95 | 0.95 | 0.93 | 0.87 | 0.90 | 0.96 | 0.92 | 0.83 | 0.76 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.55% | 1.07% | 3.96% | 4.58% | 0.55% | 0.32% | 3.52% | 5.31% | 2.67% | 0.85% |
Debt/Equity |
0.04 | 0.08 | 0.33 | 0.40 | 0.05 | 0.03 | 0.27 | 0.43 | 0.24 | 0.07 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 |
Operating CF/Net income |
1.48 | 1.31 | 1.18 | 3.02 | 1.92 | (0.07) | 0.55 | 1.20 | 3.99 | (0.17) |
Capex/Depreciation |
(1.18) | (1.51) | (1.60) | (0.71) | 0.29 | (0.24) | (0.62) | (0.42) | (0.36) | 0.04 |
| 8.15% | 9.44% | 12.33% | 7.36% | 11.27% | 11.16% | 10.99% | 10.01% | 2.73% | 4.00% | |
| 1.11% | 1.20% | 1.46% | 0.85% | 1.35% | 1.41% | 1.39% | 1.17% | 0.31% | 0.50% | |
ROIC |
8.17% | 7.08% | 7.75% | 4.03% | 212.04% | 28.96% | 6.96% | 5.19% | 5.55% | 3.85% |
Return on Tangible Assets |
(35.72%) | (47.34%) | (59.99%) | (17.45%) | (13.26%) | (19.92%) | (103.11%) | (22.15%) | (2.40%) | (2.69%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
46.76% | 42.27% | 43.42% | 69.78% | 58.25% | 62.14% | 58.77% | 65.84% | 70.87% | 76.91% |
Intangible Assets out of Total Assets |
0.04 | 0.04 | 0.04 | 0.04 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
1.24% | 1.34% | 1.29% | 1.72% | 1.78% | 1.49% | 0.83% | 1.07% | (0.28%) | 0.71% |
Graham Net Nets |
(0.49) | (0.42) | (0.66) | (0.82) | (0.69) | (0.68) | (0.48) | (0.81) | (1.04) | (1.14) |
Graham Number |
48.45 | 48.73 | 51.87 | 41.15 | 43.24 | 41.44 | 37.72 | 31.89 | 15.64 | 18.92 |
Earnings Yield |
7.52% | 7.18% | 10.08% | 5.23% | 6.92% | 8.76% | 7.30% | 6.48% | 1.70% | 2.63% |
Free Cash Flow Yield |
9.18% | 7.33% | 9.24% | 14.65% | 13.95% | (1.05%) | 3.01% | 7.09% | 6.04% | (0.36%) |
Revenue per Share |
15.47 | 15.69 | 14.74 | 10.88 | 10.13 | 11.61 | 10.44 | 9.50 | 7.56 | 7.08 |
Operating CF per Share |
4.28 | 4.06 | 4.40 | 6.63 | 5.84 | (0.20) | 1.42 | 2.39 | 2.16 | (0.14) |
Capex per Share |
(0.79) | (0.91) | (0.97) | (0.38) | 0.17 | (0.14) | (0.36) | (0.20) | (0.21) | 0.02 |
Free Cash Flow per Share |
3.49 | 3.16 | 3.43 | 6.25 | 6.01 | (0.34) | 1.06 | 2.19 | 1.95 | (0.11) |
Cash per Share |
10.99 | 3.35 | 5.03 | 6.04 | 27.52 | 19.62 | 3.53 | 3.56 | 9.56 | 5.39 |
Shareholders Equity per Share |
36.48 | 34.15 | 31.97 | 33.75 | 27.34 | 26.60 | 24.60 | 22.60 | 19.77 | 18.94 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
36.48 | 34.15 | 31.97 | 33.75 | 27.34 | 26.60 | 24.60 | 22.60 | 19.77 | 18.94 |
Free Cash Flow |
132.50 | 120.68 | 130.10 | 202.20 | 184.65 | (10.56) | 33.04 | 67.30 | 52.52 | (3.25) |
Working Capital |
(521.29) | (447.76) | (399.53) | (543.65) | (802.41) | (551.80) | (190.09) | (387.38) | (700.35) | (951.99) |
Capital Expenditures |
(29.92) | (34.59) | (36.83) | (12.43) | 5.15 | (4.35) | (11.20) | (6.28) | (5.62) | 0.69 |
Net Current Asset Value |
(709.71) | (693.59) | (927.77) | (1,131.85) | (925.38) | (691.93) | (524.62) | (767.37) | (901.38) | (1,028.19) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.05 | 0.06 | 0.07 | 0.04 | (0.02) | 0.01 | 0.03 | 0.02 | 0.03 | 0.00 |
Price to Operating Income |
10.80 | 11.33 | 8.02 | 16.01 | 11.94 | 9.24 | 11.41 | 12.88 | 24.24 | 34.79 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.12 | 0.12 | 0.14 | 0.13 | 0.19 | 0.17 | 0.16 | 0.13 | 0.17 | 0.18 |
Cash ROIC |
7.14% | 7.85% | 7.24% | 11.71% | 10.70% | (0.73%) | 3.05% | 6.08% | 5.72% | (0.45%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
17,672.85 | 15,589.13 | 22,399.24 | 160,953.82 | 164,480.37 | 82,687.77 | 47,022.20 | 69,111.70 | 80,184.32 | 95,357.70 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
8,265.26 | 8,214.14 | 8,031.51 | 7,050.40 | 5,952.20 | 5,206.68 | 4,636.38 | 4,257.59 | 3,924.10 | 3,854.66 |
Average Assets |
9,845.61 | 9,879.38 | 9,762.15 | 8,393.63 | 6,936.98 | 6,277.73 | 5,786.09 | 5,260.07 | 4,708.26 | 4,628.48 |
Average Common Equity |
1,345.09 | 1,258.94 | 1,152.50 | 966.15 | 830.40 | 793.81 | 730.96 | 613.71 | 534.30 | 576.87 |
Columns are period end dates · fundamentals updated 2 Nov 2026