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National Bank Holdings Corporation

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
www.nationalbankholdings.com
時価総額
$1.58B
PER (TTM)
14.6
14.8
配当利回り
2.9%
52週高値
$43.54
52週安値
$32.83
52週レンジ
84%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

NIM Expansion Driven By Costs FTE Net Interest Margin widened 15 basis points to 3.95% for nine months, driven by 22 bps improvement in cost of funds to 2.09%.
Deposit Base Growth Strong Total deposits grew 2.8% to $8.47B by September 30, 2025, supported by $7.31B in transaction deposits (86.3% mix).
Asset Quality Continues Improving Non-performing loans improved 10 bps to 0.36% of total loans; ACL coverage ratio stood at 1.19% of total loans at period end.
Capital Ratios Remain Strong Consolidated Tier 1 leverage ratio was 11.5% at September 30, 2025, well exceeding the 4.0% minimum requirement.

リスク要因

Vista Merger Integration Risk Substantial costs incurred for the pending Vista merger; integration difficulties could prevent realizing anticipated benefits and cost savings.
Macroeconomic Volatility Exposure Sustained higher interest rates and macroeconomic uncertainty create volatility, tightening liquidity and increasing competition for deposits across markets.
Digital Strategy Integration Risk Investments in the 2UniFi digital ecosystem require complex integration and introduce risks related to fraud, cybersecurity, and operational controls.
Sector Concentration Credit Risk Exposure to the transportation industry, facing recent economic challenges, totals $151.4M, or 2.0% of total loans, posing credit risk.

見通し

Vista Merger Closing Timeline Expect to close the proposed transaction with Vista in Q1 2026, subject to regulatory approval and shareholder conditions being met.
Digital Ecosystem Expansion Continued investment in the 2UniFi digital ecosystem, including partnership with Nav, aims to enhance access to financial services for SMBs.
Asset Sensitivity Management Interest rate risk model indicates asset sensitivity; management employs derivatives (floors/collars) to manage primary market risk exposures going forward.
Funding Strategy Focus Maintain liquidity profile focused on core deposits and stable funding sources, supplemented by secured/unsecured wholesale capacity access.

同業比較

売上高 (TTM)

WaFd, Inc.WAFD
$1.39B
-6.7%
Merchants BancorpMBIN
$1.36B
-5.9%
First Merchants CorporationFRME
$1.05B
-0.3%

粗利益率 (最新四半期)

Republic Bancorp, Inc.RBCAA
100.0%
+6.8pp
TriCo BancsharesTCBK
79.7%
+5.9pp
German American Bancorp, Inc.GABC
74.0%
+2.9pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
FRME$2.65B10.79.5%5.3%
WAFD$2.51B10.48.0%9.1%
MBIN$2.19B10.09.9%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
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月20日
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EPS:-
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売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年10月29日|
    売上高: $151.90M-2.1%
    |
    EPS: $0.92+7.0%
    予想を上回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月5日|
    売上高: $147.02M+1.3%
    |
    EPS: $0.89+30.9%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年4月30日|
    売上高: $144.24M-2.6%
    |
    EPS: $0.63-23.2%
    予想を下回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月25日|
    売上高: $594.31M+7.4%
    |
    EPS: $3.10-17.1%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月5日|
    売上高: $155.22M+7.9%
    |
    EPS: $0.86-9.5%
    予想を上回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年7月31日|
    売上高: $145.09M+8.6%
    |
    EPS: $0.68-20.9%
    予想を下回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月1日|
    売上高: $148.08M+16.7%
    |
    EPS: $0.82-23.4%
    予想を上回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月27日|
    売上高: $553.56M+59.7%
    |
    EPS: $3.74+70.0%
    予想を上回る