NBH Bank (NBHC) Q2 2025 Earnings Call Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 23 2025
0mins
Should l Buy NBHC?
Source: NASDAQ.COM
- Author's Perspective: The opinions shared in the article are solely those of the author and do not represent Nasdaq, Inc.
- Data Limitations: The information is based on data available up to October 2023.
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Analyst Views on NBHC
Wall Street analysts forecast NBHC stock price to rise
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 40.740
Low
42.00
Averages
42.00
High
42.00
Current: 40.740
Low
42.00
Averages
42.00
High
42.00
About NBHC
National Bank Holdings Corporation is a bank holding company. Through its bank subsidiaries, NBH Bank and Bank of Jackson Hole Trust, the Company operates a network of over 100 banking centers, serving individual consumers, small, medium and large businesses, and government and non-profit entities. Its banking centers are in Colorado, the greater Kansas City region, Utah, Wyoming, Texas, New Mexico and Idaho. Its segments include Commercial and Retail Banking; Mortgage Banking; Investment advisory and non-deposit, and Corporate. Its primary business is to provide deposit and lend products and services to its commercial and retail customers. The Mortgage Banking segment provides mortgage origination services for loans that will be sold to investors in the secondary market, consumer mortgage loans that will be held-for-investment, and consumer residential construction loans. Its Investment advisory and non-deposit segment provides investment advisory services and non-deposit products.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
National Bank Holdings Grants Inducement Awards to New Employees
- Inducement Awards Granted: National Bank Holdings Corporation granted inducement awards to four new employees on January 30, 2026, aimed at attracting talent and supporting its strategic acquisition of Vista Bancshares.
- Stock Award Details: Three of the employees received a total of 9,954 time-based restricted shares, which will cliff vest on April 28, 2029, reflecting the company's emphasis on long-term employee service.
- Executive Special Award: Executive Vice Chair John Steinmetz received an inducement award of 12,444 shares, vesting over three years, demonstrating the company's recognition of his leadership and the importance of acquisition integration.
- Board Approval: The inducement plan and awards were approved by the Board of Directors on January 22, 2026, indicating the company's commitment to talent acquisition and strategic execution.
See More
National Bank Holdings Corporation Q4 2025 Earnings Call Highlights
- Profit Growth: National Bank Holdings Corporation reported a net income of $22.7 million for Q4 2025, translating to earnings of $0.60 per share, demonstrating robust profitability post-Vista Bank acquisition, with a projected 10% loan growth for 2026.
- Capital Adequacy Improvement: The CET1 capital ratio increased to 14.89%, enhancing the company's competitive position through prudent capital management and profitability, laying a solid foundation for future expansion.
- Record Loan Production: The total loans originated in Q4 reached $591 million, with commercial loans hitting a new record of $429 million, indicating strong performance in the commercial loan market that is expected to drive future revenue growth.
- Outlook Projection: Management anticipates maintaining a net interest margin around 4% in 2026 and aims for earnings exceeding $1 per share in Q4 2026, setting the stage for a target of over $4 per share in full-year earnings for 2027.
See More
National Bank Highlights Q4 Fiscal 2025 Earnings Call
- Acquisition Progress: National Bank completed the acquisition of Vista Bank earlier this month, and despite a “noisy” fourth quarter due to one-time acquisition costs and problem loan clean-up, the company aims to enter 2026 with a “clean slate” focused on profitable growth.
- Financial Performance Overview: The fourth quarter net income was $22.7 million, with earnings per diluted share of $0.60, and excluding one-time items, the 2025 net income reached $117.6 million, reflecting strong balance sheet performance and a 10% growth in tangible book value.
- Loan and Asset Growth Outlook: Management projects a loan portfolio of approximately $9.4 billion in 2026, anticipating around 10% loan growth, while planning to maintain 15% of total assets in cash and investments to optimize the portfolio mix.
- Share Repurchase Plan: National Bank announced a $100 million share repurchase authorization, with management prioritizing buybacks to enhance shareholder value and boost market confidence.
See More
NBH Holdings Declares Quarterly Dividend Increase
- Dividend Increase: NBH Holdings declares a quarterly dividend of $0.32 per share, marking a 3.2% increase from the previous $0.31, demonstrating the company's ongoing profitability and commitment to shareholder returns.
- Stable Yield: The forward yield of 3.2% reflects the company's stability and attractiveness in the current market environment, potentially drawing more investor interest.
- Payment Schedule: The dividend will be payable on March 13, with a record date of February 27 and an ex-dividend date also on February 27, ensuring shareholders receive their returns promptly.
- Market Reaction Anticipation: With the dividend increase, the market may show heightened interest in NBH Holdings' stock, further driving its price up and enhancing investor confidence.
See More
NBH Holdings Q4 Earnings Miss Expectations
- Earnings Miss: NBH Holdings reported a Q4 GAAP EPS of $0.42, falling short of expectations by $0.39, indicating pressure on profitability that could undermine investor confidence.
- Revenue Decline: The company generated revenue of $100.6 million, a 2.4% year-over-year decrease, missing expectations by $6.88 million, reflecting challenges from weak market demand and intensified competition.
- Market Reaction: Following the disappointing earnings report, NBH Holdings' stock price may face downward pressure, prompting investors to closely monitor subsequent market performance and management's strategic responses.
- Future Outlook: Despite the current financial setbacks, the company must devise effective growth strategies to navigate market challenges and restore investor confidence, ensuring long-term sustainability.
See More
National Bank Holdings Corporation to Report Q4 and Full Year 2025 Results on January 27
- Earnings Report Schedule: National Bank Holdings Corporation expects to release its Q4 and full year 2025 financial results after market close on January 27, 2026, demonstrating its commitment to financial transparency.
- Conference Call Details: Management will host a conference call on January 28, 2026, at 11:00 a.m. Eastern Time to discuss the financial results and company developments, aiming to bolster investor confidence in the company's future.
- Participation Method: Interested parties can listen to the call by dialing (800) 330-6710 and using the participant passcode 6983606, reflecting the company's emphasis on shareholder communication.
- Recording Availability: A recording of the call will be available approximately four hours after its completion on the company's website, further enhancing information accessibility and transparency for stakeholders.
See More
National Bank Holdings Grants Inducement Awards to New Employees
- Inducement Awards Granted: National Bank Holdings Corporation granted inducement awards to four new employees on January 30, 2026, aimed at attracting talent and supporting its strategic acquisition of Vista Bancshares.
- Stock Award Details: Three of the employees received a total of 9,954 time-based restricted shares, which will cliff vest on April 28, 2029, reflecting the company's emphasis on long-term employee service.
- Executive Special Award: Executive Vice Chair John Steinmetz received an inducement award of 12,444 shares, vesting over three years, demonstrating the company's recognition of his leadership and the importance of acquisition integration.
- Board Approval: The inducement plan and awards were approved by the Board of Directors on January 22, 2026, indicating the company's commitment to talent acquisition and strategic execution.
See More
National Bank Holdings Corporation Q4 2025 Earnings Call Highlights
- Profit Growth: National Bank Holdings Corporation reported a net income of $22.7 million for Q4 2025, translating to earnings of $0.60 per share, demonstrating robust profitability post-Vista Bank acquisition, with a projected 10% loan growth for 2026.
- Capital Adequacy Improvement: The CET1 capital ratio increased to 14.89%, enhancing the company's competitive position through prudent capital management and profitability, laying a solid foundation for future expansion.
- Record Loan Production: The total loans originated in Q4 reached $591 million, with commercial loans hitting a new record of $429 million, indicating strong performance in the commercial loan market that is expected to drive future revenue growth.
- Outlook Projection: Management anticipates maintaining a net interest margin around 4% in 2026 and aims for earnings exceeding $1 per share in Q4 2026, setting the stage for a target of over $4 per share in full-year earnings for 2027.
See More
National Bank Highlights Q4 Fiscal 2025 Earnings Call
- Acquisition Progress: National Bank completed the acquisition of Vista Bank earlier this month, and despite a “noisy” fourth quarter due to one-time acquisition costs and problem loan clean-up, the company aims to enter 2026 with a “clean slate” focused on profitable growth.
- Financial Performance Overview: The fourth quarter net income was $22.7 million, with earnings per diluted share of $0.60, and excluding one-time items, the 2025 net income reached $117.6 million, reflecting strong balance sheet performance and a 10% growth in tangible book value.
- Loan and Asset Growth Outlook: Management projects a loan portfolio of approximately $9.4 billion in 2026, anticipating around 10% loan growth, while planning to maintain 15% of total assets in cash and investments to optimize the portfolio mix.
- Share Repurchase Plan: National Bank announced a $100 million share repurchase authorization, with management prioritizing buybacks to enhance shareholder value and boost market confidence.
See More
NBH Holdings Declares Quarterly Dividend Increase
- Dividend Increase: NBH Holdings declares a quarterly dividend of $0.32 per share, marking a 3.2% increase from the previous $0.31, demonstrating the company's ongoing profitability and commitment to shareholder returns.
- Stable Yield: The forward yield of 3.2% reflects the company's stability and attractiveness in the current market environment, potentially drawing more investor interest.
- Payment Schedule: The dividend will be payable on March 13, with a record date of February 27 and an ex-dividend date also on February 27, ensuring shareholders receive their returns promptly.
- Market Reaction Anticipation: With the dividend increase, the market may show heightened interest in NBH Holdings' stock, further driving its price up and enhancing investor confidence.
See More
NBH Holdings Q4 Earnings Miss Expectations
- Earnings Miss: NBH Holdings reported a Q4 GAAP EPS of $0.42, falling short of expectations by $0.39, indicating pressure on profitability that could undermine investor confidence.
- Revenue Decline: The company generated revenue of $100.6 million, a 2.4% year-over-year decrease, missing expectations by $6.88 million, reflecting challenges from weak market demand and intensified competition.
- Market Reaction: Following the disappointing earnings report, NBH Holdings' stock price may face downward pressure, prompting investors to closely monitor subsequent market performance and management's strategic responses.
- Future Outlook: Despite the current financial setbacks, the company must devise effective growth strategies to navigate market challenges and restore investor confidence, ensuring long-term sustainability.
See More
National Bank Holdings Corporation to Report Q4 and Full Year 2025 Results on January 27
- Earnings Report Schedule: National Bank Holdings Corporation expects to release its Q4 and full year 2025 financial results after market close on January 27, 2026, demonstrating its commitment to financial transparency.
- Conference Call Details: Management will host a conference call on January 28, 2026, at 11:00 a.m. Eastern Time to discuss the financial results and company developments, aiming to bolster investor confidence in the company's future.
- Participation Method: Interested parties can listen to the call by dialing (800) 330-6710 and using the participant passcode 6983606, reflecting the company's emphasis on shareholder communication.
- Recording Availability: A recording of the call will be available approximately four hours after its completion on the company's website, further enhancing information accessibility and transparency for stakeholders.
See More
