Stock Ratings / Financials / NBHC / earnings

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National Bank Holdings Corporation (NBHC) Next Earnings Date & Expected ±4.4% Move

$37.56 +0.21% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

National Bank Holdings Corporation (NBHC) earns a Roarable Rating of B (Buy) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $1.67B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+6.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NBHC)Realized 20D OHLCV Swing Band: ±4.4%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±4.4% Swing Band

±$1.65 Expected Swing

MODEL EARNINGS SETUP GAUGE

NBHC Quantitative Pre-Earnings Setup: 72/100

Trailing EPS: $2.46 • YoY Revenue Growth: 2.1%

Model Bullish Setup (72/100)Model Risk Weight (28/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$47.1M	$109.6M	$162.4M	52%
FY 2024	2024-12-31	$46.2M	$118.8M	$155.3M	52%
FY 2023	2023-12-31	$46.9M	$142.0M	$166.9M	52%

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Whale Flow & Momentum Playbook: Evaluating NBHC & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on NBHC
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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NBHC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -12.04%▼ DESCENDING CHANNEL

2026-10-30O $37.83H $37.88L $37.25C $37.56VOL 538.1K

RES: $39.07SUP: $35.71SMA50: $39.71SMA200: $41.34

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NBHC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NBHC Butterfly Map → + Track NBHC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

7.6%/yr Implied 5Y Growth

vs. +2.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NBHC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NBHC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NBHC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NBHC)

Financials Rank #96 of 1096 ⚔️ QCRH vs NBHC Full Matrix →

1. Head-to-Head Financials Peer Comparison (NBHC vs. QCRH, BFC, TCBK, LOB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, National Bank Holdings Corporation (NBHC) ranks #96 by composite RQD confidence (72/100, grade B) and #464 by equity capitalization ($1.67B). Within this direct 5-issuer industry benchmark cohort, QCRH leads on earnings valuation at 13.2x trailing P/E, while QCRH leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. NBHC currently leads its immediate peer cohort in composite quantitative strength at 72/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NBHC ACTIVE National Bank Holdings Corporation	B	72/100	15.3x	—	7.9%	+0.21%	$1.67B	Benchmark Subject
QCRH QCR Holdings Inc.	C+	69/100	13.2x	—	11.4%	+1.37%	$1.68B	/qcrh-vs-nbhc →
BFC Bank First Corporation	D+	55/100	23.4x	—	11.1%	+1.85%	$1.67B	/bfc-vs-nbhc →
TCBK TriCo Bancshares	C	65/100	14.1x	—	9.2%	+0.87%	$1.71B	/tcbk-vs-nbhc →
LOB Live Oak Bancshares Inc.	B-	71/100	15.3x	—	8.5%	+1.18%	$1.62B	/lob-vs-nbhc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001475841

In its most recent audited fiscal period (FY2025, filed 2025-12-31), National Bank Holdings Corporation (NBHC) reported GAAP revenue of $47.1M (+2.1% vs. FY2024 revenue of $46.2M , and +0.5% cumulative change since FY2023) , GAAP net income of $109.6M, operating cash flow of $162.4M, and free cash flow of $162.4M (+4.6% YoY). On the balance sheet, NBHC closed FY2025 with $9.88B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$47.1M	$109.6M	$162.4M	$162.4M	$9.88B	—
FY2024 (FY)	2024-12-31	$46.2M	$118.8M	$155.3M	$155.3M	$9.81B	—
FY2023 (FY)	2023-12-31	$46.9M	$142.0M	$166.9M	$166.9M	—	—

3. NBHC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NBHC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, National Bank Holdings Corporation (NYSE: NBHC) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $37.56 (+0.21% 1D, market cap $1.67B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, NBHC ranks #96 in composite RQD confidence.

How does NBHC compare to QCRH and BFC in the Financials sector?

Within the Financials sector (Major Banks), NBHC carries a Roarable B (72/100 RQD), trailing P/E of 15.3x, gross margin of —, and ROIC of 7.9%. By comparison, QCRH (QCR Holdings Inc.) holds a C+ grade (69/100 RQD, P/E 13.2x, ROIC 11.4%, cap $1.68B) and BFC (Bank First Corporation) posts a D+ grade (55/100 RQD, P/E 23.4x, ROIC 11.1%, cap $1.67B). Among the 5-stock peer group, QCRH leads on earnings multiple (13.2x) while QCRH leads on capital efficiency (11.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NBHC?

Per NBHC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001475841), National Bank Holdings Corporation generated $47.1M in revenue (+2.1% YoY), $109.6M in net income, and $162.4M in free cash flow against $9.88B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NBHC trading relative to its 50-day, 200-day, and 52-week technical levels?

NBHC last traded at $37.56 (+0.21% on volume of 408,208 shares), positioning the stock -5.41% below its 50-day simple moving average ($39.71) and -9.14% below its 200-day simple moving average ($41.34). Across its 52-week range of $35.06 to $47.28, NBHC sits at the 20.5% percentile with a 14-day RSI of 37.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($35.91 to $39.21).