$NBHC Market Cap: $1.788 Billion
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Financial Snapshot

Revenue
$34.62M
TTM
Gross Margin
Net Earnings
$90.63M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
$9.808B
Q4 2024
Total Liabilities
$8.503B
Q4 2024
Book Value
$1.305B
Q4 2024
Cash
$127.8M
Q4 2024
P/E
19.73
Nov 29, 2024 EST
Free Cash Flow
$82.47M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Revenue $45.79M $46.90M $38.30M $201.0M $218.0M $242.6M $221.4M $164.4M $184.7M $195.5M $233.5M $197.2M $21.42M
YoY Change -2.38% 22.46% -80.94% -7.82% -10.14% 9.58% 34.65% -5.53% -16.28% 18.42% 820.36%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Revenue $45.79M $46.90M $38.30M $201.0M $218.0M $242.6M $221.4M $164.4M $184.7M $195.5M $233.5M $197.2M $21.42M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

Operating Profits/Loss

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $17.48M $13.11M $12.66M $9.310M $9.042M $8.754M $10.10M $7.188M $11.93M $13.07M $14.86M $12.91M $849.0K
YoY Change 33.34% 3.58% 35.95% 2.96% 3.29% -13.31% 40.48% -8.77% -12.01% 15.13% 1420.02%
% of Gross Profit
Depreciation & Amortization $9.400M $10.00M $8.400M $7.300M $8.100M $8.200M $8.600M $7.600M $14.20M $15.50M $10.60M $10.50M $7.100M $2.800M $100.0K $0.00
YoY Change -6.0% 19.05% 15.07% -9.88% -1.22% -4.65% 13.16% -46.48% -8.39% 46.23% 0.95% 47.89% 153.57% 2700.0%
% of Gross Profit
Operating Expenses $17.48M $13.11M $12.66M $9.310M $9.042M $8.754M $10.10M $7.188M $11.93M $13.07M $14.86M $12.91M $849.0K
YoY Change 33.34% 3.58% 35.95% 2.96% 3.29% -13.31% 40.48% -8.77% -12.01% 15.13% 1420.02%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Interest Expense $133.5M $17.85M $13.82M $25.06M $36.77M $23.95M $18.12M $14.41M $16.51M $29.23M $41.70M $5.512M
YoY Change 647.57% 29.17% -44.84% -31.86% 53.51% 32.23% -12.72% -43.51% -29.89% 656.46%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Pretax Income $145.2M $175.6M $86.18M $115.0M $109.4M $96.19M $73.68M $35.86M $26.00M $7.900M $12.34M $10.88M $4.037M $69.41M $9.004M -$1.400M
YoY Change -17.29% 103.75% -25.04% 5.1% 13.73% 30.55% 105.46% 37.93% 229.11% -35.99% 13.46% 169.43% -94.18% 670.87% -743.14%
Income Tax $26.43M $33.55M $14.91M $21.37M $20.81M $15.83M $12.23M $21.28M $2.900M $3.000M $3.165M $3.950M $4.580M $27.45M $2.953M $200.0K
% Of Pretax Income 18.2% 19.11% 17.3% 18.58% 19.02% 16.46% 16.6% 59.35% 11.15% 37.97% 25.65% 36.32% 113.45% 39.54% 32.8%
Net Earnings $118.8M $142.0M $71.27M $93.61M $88.59M $80.37M $61.45M $14.58M $23.10M $4.900M $9.176M $6.927M -$543.0K $41.96M $6.051M -$1.500M
YoY Change -16.36% 99.3% -23.86% 5.66% 10.24% 30.78% 321.5% -36.89% 371.43% -46.6% 32.47% -1375.69% -101.29% 593.49% -503.4%
Net Earnings / Revenue 259.48% 302.85% 186.08% 46.58% 40.64% 33.13% 27.76% 8.87% 4.97% 3.54% -0.23% 21.28% 28.25%
Basic Earnings Per Share $3.10 $3.74 $2.20 $3.04 $2.87 $2.57 $2.00 $0.54 $0.22 $0.14 -$0.01 $0.81 $0.11
Diluted Earnings Per Share $3.08 $3.72 $2.18 $3.01 $2.85 $2.55 $1.95 $0.53 $793.8K $142.4K $0.22 $0.14 -$0.01 $0.81 $0.11 -$70.42K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $191.8M $169.7M $116.4M $132.4M $141.4M $110.0M $93.70M $95.70M $103.1M $106.3M $115.2M $121.4M $87.30M $37.30M
YoY Change 13.04% 45.8% -12.08% -6.36% 28.55% 17.4% -2.09% -7.18% -3.01% -7.73% -5.11% 39.06% 134.05%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $28.40M $35.60M $52.80M $52.60M $45.50M
YoY Change -20.22% -32.58% 0.38% 15.6%
Total Long-Term Assets
YoY Change
Total Assets $9.951B $9.573B $7.214B $6.660B $5.896B $5.677B $4.844B $4.573B $4.684B $4.820B $4.914B $5.411B $6.352B $5.106B $1.100B
YoY Change
Accounts Payable $7.000M $5.800M $5.000M $4.300M $3.600M
YoY Change 20.69% 16.0% 16.28% 19.44%
Accrued Expenses $32.10M $36.50M $20.30M $26.00M $29.50M $20.70M $16.20M $13.00M $15.50M $15.20M
YoY Change -12.05% 79.8% -21.92% -11.86% 42.51% 27.78% 24.62% -16.13% 1.97%
Deferred Revenue
YoY Change
Short-Term Debt $19.63M $20.21M $22.80M $22.90M $56.90M $66.00M $130.5M $92.00M $136.5M $133.6M $99.50M $53.70M $47.60M $24.20M
YoY Change -2.9% -11.34% -0.44% -59.75% -13.79% -49.43% 41.85% -32.6% 2.17% 34.27% 85.29% 12.82% 96.69%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $51.73M $36.50M $20.30M $26.00M $29.50M $27.70M $22.00M $18.00M $19.80M $18.80M $99.50M $53.70M $47.60M $24.20M
YoY Change 41.72% 79.8% -21.92% -11.86% 6.5% 25.91% 22.22% -9.09% 5.32% -81.11% 85.29% 12.82% 96.69%
Long-Term Debt $54.20M $53.89M $39.50M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 0.58% 36.43%
Other Long-Term Liabilities $101.9M $112.8M $63.20M $114.1M $97.30M $50.70M $50.00M $19.50M $29.40M $66.50M $78.50M $65.80M $152.6M $614.3M $2.400M
YoY Change -9.64% 78.5% -44.61% 17.27% 91.91% 1.4% 156.41% -33.67% -55.79% -15.29% 19.3% -56.88% -75.16% 25495.83%
Total Long-Term Liabilities $156.1M $166.7M $102.7M $114.1M $97.30M $50.70M $50.00M $19.50M $29.40M $66.50M $78.50M $65.80M $152.6M $614.3M $2.400M
YoY Change -6.34% 62.32% -9.99% 17.27% 91.91% 1.4% 156.41% -33.67% -55.79% -15.29% 19.3% -56.88% -75.16% 25495.83%
Total Liabilities $8.738B $8.481B $6.374B $5.839B $5.129B $4.982B $4.311B $4.037B $4.066B $4.025B $4.016B $4.320B $5.263B $4.112B $2.400M
YoY Change 3.03% 33.06% 9.16% 13.86% 2.95% 15.56% 6.79% -0.73% 1.03% 0.22% -7.03% -17.92% 28.0% 171225.0%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Basic Shares Outstanding 38.21M 37.94M 32.36M 30.73M 30.86M 31.18M 30.75M 26.93M 42.40M shares 50.79M shares 52.21M shares 51.98M shares 53.00M shares
Diluted Shares Outstanding 38.42M 38.11M 32.68M 31.07M 31.08M 31.53M 31.43M 27.71M 42.42M shares 50.82M shares 52.21M shares 52.10M shares 53.00M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $1.7878 Billion

About National Bank Holdings Corp

National Bank Holdings Corp. is a bank holding company. The company is headquartered in Greenwood Village, Colorado and currently employs 1,226 full-time employees. The company went IPO on 2012-09-20. The firm operates, through its subsidiaries, NBH Bank and Bank of Jackson Hole Trust (the Banks), which are a chartered banks and a member of the Federal Reserve System. The Bank provides a range of banking products to both commercial and consumer clients through a network of approximately 90 banking centers, located primarily in Colorado, the greater Kansas City region, Texas, Utah, and New Mexico, as well as through online and mobile banking products and services. The Bank’s distribution network also includes approximately 126 ATMs. The Bank offers personalized banking service to the clients, which includes services, such as loan and deposit services, online and mobile banking solutions, treasury management products, and services and trust and wealth management services. The Bank’s loan portfolio includes commercial and industrial loans, commercial real estate loans, residential real estate loans, and others.

Industry: National Commercial Banks Peers: Bancorp, Inc. BERKSHIRE HILLS BANCORP INC Dime Community Bancshares, Inc. /NY/ CITY HOLDING CO FIRST BANCORP /NC/ FIRST BUSEY CORP /NV/ FIRST COMMONWEALTH FINANCIAL CORP /PA/ PNC FINANCIAL SERVICES GROUP, INC. S&T BANCORP INC SOUTHSIDE BANCSHARES INC