NATIONAL BANK HOLD-CL A (NBHC) Fundamental Analysis & Valuation

NYSE:NBHC • US6337071046

Current stock price

42.22 USD
-1.05 (-2.43%)
At close:
42.22 USD
0 (0%)
After Hours:

This NBHC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. NBHC Profitability Analysis

1.1 Basic Checks

  • In the past year NBHC was profitable.
  • In the past year NBHC had a positive cash flow from operations.
  • In the past 5 years NBHC has always been profitable.
  • NBHC had a positive operating cash flow in each of the past 5 years.
NBHC Yearly Net Income VS EBIT VS OCF VS FCFNBHC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M

1.2 Ratios

  • The Return On Assets of NBHC (1.10%) is better than 62.23% of its industry peers.
  • NBHC has a Return On Equity of 7.85%. This is in the lower half of the industry: NBHC underperforms 65.69% of its industry peers.
Industry RankSector Rank
ROA 1.1%
ROE 7.85%
ROIC N/A
ROA(3y)1.24%
ROA(5y)1.15%
ROE(3y)9.54%
ROE(5y)9.25%
ROIC(3y)N/A
ROIC(5y)N/A
NBHC Yearly ROA, ROE, ROICNBHC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 26.13%, NBHC perfoms like the industry average, outperforming 53.46% of the companies in the same industry.
  • NBHC's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for NBHC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.07%
PM growth 5Y-0.33%
GM growth 3YN/A
GM growth 5YN/A
NBHC Yearly Profit, Operating, Gross MarginsNBHC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. NBHC Health Analysis

2.1 Basic Checks

  • NBHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, NBHC has less shares outstanding
  • Compared to 5 years ago, NBHC has more shares outstanding
  • The debt/assets ratio for NBHC has been reduced compared to a year ago.
NBHC Yearly Shares OutstandingNBHC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
NBHC Yearly Total Debt VS Total AssetsNBHC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of NBHC is 0.54, which is an excellent value as it means it would take NBHC, only 0.54 years of fcf income to pay off all of its debts.
  • NBHC's Debt to FCF ratio of 0.54 is fine compared to the rest of the industry. NBHC outperforms 79.52% of its industry peers.
  • A Debt/Equity ratio of 0.05 indicates that NBHC is not too dependend on debt financing.
  • NBHC has a Debt to Equity ratio of 0.05. This is in the better half of the industry: NBHC outperforms 79.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.54
Altman-Z N/A
ROIC/WACCN/A
WACC15.56%
NBHC Yearly LT Debt VS Equity VS FCFNBHC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NBHC Yearly Current Assets VS Current LiabilitesNBHC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. NBHC Growth Analysis

3.1 Past

  • NBHC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.61%.
  • NBHC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.81% yearly.
  • The Revenue has been growing slightly by 2.32% in the past year.
  • Measured over the past years, NBHC shows a small growth in Revenue. The Revenue has been growing by 4.54% on average per year.
EPS 1Y (TTM)-5.61%
EPS 3Y0.56%
EPS 5Y0.81%
EPS Q2Q%-26.98%
Revenue 1Y (TTM)2.32%
Revenue growth 3Y7.59%
Revenue growth 5Y4.54%
Sales Q2Q%24.21%

3.2 Future

  • Based on estimates for the next years, NBHC will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.01% on average per year.
  • Based on estimates for the next years, NBHC will show a quite strong growth in Revenue. The Revenue will grow by 17.39% on average per year.
EPS Next Y12.02%
EPS Next 2Y16.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.63%
Revenue Next 2Y17.39%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
NBHC Yearly Revenue VS EstimatesNBHC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
NBHC Yearly EPS VS EstimatesNBHC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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4

4. NBHC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.76 indicates a correct valuation of NBHC.
  • Compared to the rest of the industry, the Price/Earnings ratio of NBHC indicates a slightly more expensive valuation: NBHC is more expensive than 72.07% of the companies listed in the same industry.
  • NBHC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
  • NBHC is valuated reasonably with a Price/Forward Earnings ratio of 10.35.
  • NBHC's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of NBHC to the average of the S&P500 Index (21.68), we can say NBHC is valued rather cheaply.
Industry RankSector Rank
PE 14.76
Fwd PE 10.35
NBHC Price Earnings VS Forward Price EarningsNBHC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • NBHC's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.24
EV/EBITDA N/A
NBHC Per share dataNBHC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as NBHC's earnings are expected to grow with 16.01% in the coming years.
PEG (NY)1.23
PEG (5Y)18.19
EPS Next 2Y16.01%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. NBHC Dividend Analysis

5.1 Amount

  • NBHC has a Yearly Dividend Yield of 2.96%.
  • Compared to an average industry Dividend Yield of 2.52, NBHC pays a bit more dividend than its industry peers.
  • NBHC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.96%

5.2 History

  • The dividend of NBHC is nicely growing with an annual growth rate of 8.64%!
  • NBHC has paid a dividend for at least 10 years, which is a reliable track record.
  • NBHC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.64%
Div Incr Years10
Div Non Decr Years13
NBHC Yearly Dividends per shareNBHC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 42.36% of the earnings are spent on dividend by NBHC. This is a bit on the high side, but may be sustainable.
  • The dividend of NBHC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP42.36%
EPS Next 2Y16.01%
EPS Next 3YN/A
NBHC Yearly Income VS Free CF VS DividendNBHC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M
NBHC Dividend Payout.NBHC Dividend Payout, showing the Payout Ratio.NBHC Dividend Payout.PayoutRetained Earnings

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NBHC Fundamentals: All Metrics, Ratios and Statistics

NATIONAL BANK HOLD-CL A

NYSE:NBHC (4/29/2026, 8:04:00 PM)

After market: 42.22 0 (0%)

42.22

-1.05 (-2.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength71.43
Industry Growth91.3
Earnings (Last)04-21
Earnings (Next)07-20
Inst Owners84.82%
Inst Owner Change-0.19%
Ins Owners5.64%
Ins Owner Change32.06%
Market Cap1.89B
Revenue(TTM)416.07M
Net Income(TTM)108.71M
Analysts81.82
Price Target49.22 (16.58%)
Short Float %4.78%
Short Ratio3.44
Dividend
Industry RankSector Rank
Dividend Yield 2.96%
Yearly Dividend1.21
Dividend Growth(5Y)8.64%
DP42.36%
Div Incr Years10
Div Non Decr Years13
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.42%
Min EPS beat(2)-26.93%
Max EPS beat(2)6.08%
EPS beat(4)2
Avg EPS beat(4)-7.46%
Min EPS beat(4)-26.93%
Max EPS beat(4)9.21%
EPS beat(8)5
Avg EPS beat(8)-1.31%
EPS beat(12)8
Avg EPS beat(12)-0.09%
EPS beat(16)11
Avg EPS beat(16)2.17%
Revenue beat(2)1
Avg Revenue beat(2)-2.64%
Min Revenue beat(2)-6.32%
Max Revenue beat(2)1.05%
Revenue beat(4)1
Avg Revenue beat(4)-4.83%
Min Revenue beat(4)-7.18%
Max Revenue beat(4)1.05%
Revenue beat(8)3
Avg Revenue beat(8)-3.18%
Revenue beat(12)4
Avg Revenue beat(12)-2.94%
Revenue beat(16)5
Avg Revenue beat(16)-2.5%
PT rev (1m)-0.11%
PT rev (3m)3.82%
EPS NQ rev (1m)-8.27%
EPS NQ rev (3m)-16.15%
EPS NY rev (1m)-2.4%
EPS NY rev (3m)-9.9%
Revenue NQ rev (1m)2.06%
Revenue NQ rev (3m)1.42%
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)-0.08%
Valuation
Industry RankSector Rank
PE 14.76
Fwd PE 10.35
P/S 4.53
P/FCF 14.24
P/OCF 11.62
P/B 1.36
P/tB 1.83
EV/EBITDA N/A
EPS(TTM)2.86
EY6.77%
EPS(NY)4.08
Fwd EY9.66%
FCF(TTM)2.96
FCFY7.02%
OCF(TTM)3.63
OCFY8.61%
SpS9.31
BVpS30.99
TBVpS23.06
PEG (NY)1.23
PEG (5Y)18.19
Graham Number44.6593 (5.78%)
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 7.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.13%
GM N/A
FCFM 31.85%
ROA(3y)1.24%
ROA(5y)1.15%
ROE(3y)9.54%
ROE(5y)9.25%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.07%
PM growth 5Y-0.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.54
Debt/EBITDA N/A
Cap/Depr 106.47%
Cap/Sales 7.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 121.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.56%
ROIC/WACCN/A
Cap/Depr(3y)134.63%
Cap/Depr(5y)N/A
Cap/Sales(3y)8.12%
Cap/Sales(5y)N/A
Profit Quality(3y)105.17%
Profit Quality(5y)158.37%
High Growth Momentum
Growth
EPS 1Y (TTM)-5.61%
EPS 3Y0.56%
EPS 5Y0.81%
EPS Q2Q%-26.98%
EPS Next Y12.02%
EPS Next 2Y16.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.32%
Revenue growth 3Y7.59%
Revenue growth 5Y4.54%
Sales Q2Q%24.21%
Revenue Next Year28.63%
Revenue Next 2Y17.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y9.79%
FCF growth 3Y-13.14%
FCF growth 5YN/A
OCF growth 1Y4.6%
OCF growth 3Y-8.87%
OCF growth 5YN/A

NATIONAL BANK HOLD-CL A / NBHC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of NATIONAL BANK HOLD-CL A (NBHC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to NBHC.


What is the valuation status of NATIONAL BANK HOLD-CL A (NBHC) stock?

ChartMill assigns a valuation rating of 4 / 10 to NATIONAL BANK HOLD-CL A (NBHC). This can be considered as Fairly Valued.


Can you provide the profitability details for NATIONAL BANK HOLD-CL A?

NATIONAL BANK HOLD-CL A (NBHC) has a profitability rating of 3 / 10.


What is the financial health of NATIONAL BANK HOLD-CL A (NBHC) stock?

The financial health rating of NATIONAL BANK HOLD-CL A (NBHC) is 3 / 10.


What is the expected EPS growth for NATIONAL BANK HOLD-CL A (NBHC) stock?

The Earnings per Share (EPS) of NATIONAL BANK HOLD-CL A (NBHC) is expected to grow by 12.02% in the next year.