National Bank Holdings Corporation
NYSE•NBHC
CEO: Mr. G. Timothy Laney
セクター: Financial Services
業種: Banks - Regional
上場日: 2012-09-20
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 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 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, New Mexico, Utah, Wyoming, Idaho, and Texas. 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.
連絡先情報
7800 East Orchard Road, Suite 300, Greenwood Village, CO, 80111, United States
303-892-8715
時価総額
$1.49B
PER (TTM)
13.6
13.9
配当利回り
3.1%
52週高値
$42.99
52週安値
$32.83
52週レンジ
順位40Top 42.0%
4.1
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.1 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$140.79M-3.53%
直近4四半期の推移
EPS
$0.42-42.47%
直近4四半期の推移
フリーCF
$11.88M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
Vista Acquisition Closed Completed $377.7 million Vista acquisition in January 2026, pushing pro forma assets over $10.0 B; total assets reached $9.9 B end of 2025.
Asset Quality Improved Non-performing loan ratio decreased 12 basis points to 0.34% by year-end 2025, reflecting prudent credit management across the portfolio.
NIM Expansion Noted FTE Net Interest Margin expanded 9 basis points to 3.94% for 2025, driven by a 22 basis point improvement in the cost of funds.
Capital Ratios Strong Consolidated CET1 ratio stood at 14.9% at year-end 2025, significantly exceeding regulatory minimums for well-capitalized status.
リスク要因
Credit Loss Increase Net charge-offs rose sharply to $25.2 M in 2025, requiring a higher provision expense of $17.8 M compared to prior year.
Integration Complexity Risks Integrating the recent Vista acquisition and scaling the 2UniFi digital platform pose significant operational and management demands.
Rising Regulatory Scrutiny Assets exceeding $10 B post-Vista acquisition subjects the company to increased CFPB supervision and higher regulatory compliance costs.
Interest Rate Volatility Asset sensitive position means sustained rate shifts could materially impact net interest income, despite ongoing hedging strategies.
見通し
Digital Ecosystem Scaling Continue scaling the 2UniFi platform, focusing on unified client experience and attracting lower-cost transaction deposits.
Organic Growth Focus Strategy emphasizes strong organic growth alongside selective, disciplined acquisitions in core attractive markets for expansion.
Capital Deployment Plans Expect continued capital deployment via dividends ($1.20/share paid in 2025) and new $100.0 M repurchase authorization announced in January 2026.
Maintain Conservative Risk Prudently manage liquidity and maintain a conservative risk profile, closely monitoring loan portfolio quality amid economic uncertainty.
同業比較
売上高 (TTM)
$1.39B
$1.36B
$1.05B
粗利益率 (最新四半期)
79.7%
74.0%
73.6%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| WAFD | $2.34B | 9.7 | 8.0% | 9.1% |
| FRME | $2.34B | 9.4 | 9.5% | 5.3% |
| MBIN | $1.93B | 8.8 | 9.9% | 19.8% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-0.8%
横ばい
4四半期純利益CAGR
-12.9%
収益性の低下
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年4月20日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
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データなし