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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 20% of 52W Range • RSI-14 at 37.6 (NEUTRAL RANGE)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Capital intensity & 0% operating margin leave 8 pts on the table
Even with a 72/100 (B) score, NBHC faces multiple-compression risk if 15.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($39.71) or 200D SMA ($41.34) invalidates the momentum regime and cuts Target Base ($39.93) toward Bear Floor ($30.80).
National Bank Holdings Corporation (NBHC) advanced +0.21% to $37.56, trading at 20% of its 52-week range ($35.06 – $47.28). High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.
Regional banking company National Bank Holdings (NYSE:NBHC) fell short of the market’s revenue expectations in Q3 2026, but sales rose 19.7% year on year to $126.4 million. Its non-GAAP profit of $0.06 per share was 78.6
National Bank Holdings’ third quarter was marked by significant credit losses in its specialty banking group, leading to a negative market reaction. Management attributed the underperformance primarily to two large credi
BSX, NBHC and NMRK have been added to the Zacks Rank #5 (Strong Sell) List on October 30th, 2026.
National Bank (NYSE:NBHC) said it remains on track to deliver 10% full-year loan growth in 2026, even as third-quarter results were affected by elevated charge-offs tied primarily to two commercial credit events in its s
Credit losses drove an $8.8 million net loss, but management targets recovery.
(AP) — GREENWOOD VILLAGE, Colo. (AP) — National Bank Holdings Corp.
National Bank Holdings Corporation (NBHC) Q3 2026 Earnings Call October 28, 2026 11:00 AM EDTCompany ParticipantsEmily Gooden - Senior VP, Chief Accounting...
Moby summary of National Bank Holdings Corporation's Q3 2026 earnings call
Although the revenue and EPS for National Bank Holdings (NBHC) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street e
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +2.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on NBHC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for NBHC. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why NBHC Stock advanced +0.21% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.