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

NYSE:NBHC • US6337071046

Current stock price

37.94 USD
-0.61 (-1.58%)
At close:
37.94 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

  • NBHC had positive earnings in the past year.
  • NBHC had a positive operating cash flow in the past year.
  • In the past 5 years NBHC has always been profitable.
  • In the past 5 years NBHC always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 1.10%, NBHC is in the better half of the industry, outperforming 63.95% of the companies in the same industry.
  • With a Return On Equity value of 7.85%, NBHC is not doing good in the industry: 63.42% of the companies in the same industry are doing better.
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

  • NBHC's Profit Margin of 26.13% is in line compared to the rest of the industry. NBHC outperforms 56.32% of its industry peers.
  • In the last couple of years the Profit Margin of NBHC has remained more or less at the same level.
  • 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
  • The number of shares outstanding for NBHC has been increased compared to 5 years ago.
  • NBHC has a better debt/assets ratio than last year.
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

  • NBHC has a debt to FCF ratio of 0.54. This is a very positive value and a sign of high solvency as it would only need 0.54 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.54, NBHC is in the better half of the industry, outperforming 79.47% of the companies in the same industry.
  • NBHC has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
  • NBHC has a Debt to Equity ratio of 0.05. This is in the better half of the industry: NBHC outperforms 79.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.54
Altman-Z N/A
ROIC/WACCN/A
WACC16.23%
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 -5.90%.
  • The Earnings Per Share has been growing slightly by 0.81% on average over the past years.
  • NBHC shows a small growth in Revenue. In the last year, the Revenue has grown by 2.32%.
  • 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)-5.9%
EPS 3Y0.56%
EPS 5Y0.81%
EPS Q2Q%-30.23%
Revenue 1Y (TTM)2.32%
Revenue growth 3Y7.59%
Revenue growth 5Y4.54%
Sales Q2Q%-6.39%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.29% on average over the next years. This is quite good.
  • NBHC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.91% yearly.
EPS Next Y14.78%
EPS Next 2Y15.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.04%
Revenue Next 2Y16.91%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 12.52 indicates a correct valuation of NBHC.
  • NBHC's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, NBHC is valued a bit cheaper.
  • NBHC is valuated reasonably with a Price/Forward Earnings ratio of 10.91.
  • The rest of the industry has a similar Price/Forward Earnings ratio as NBHC.
  • NBHC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 12.52
Fwd PE 10.91
NBHC Price Earnings VS Forward Price EarningsNBHC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • NBHC's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.89
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • NBHC's earnings are expected to grow with 15.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.85
PEG (5Y)15.43
EPS Next 2Y15.29%
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 3.32%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.69, NBHC pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, NBHC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.32%

5.2 History

  • On average, the dividend of NBHC grows each year by 8.64%, which is quite nice.
  • NBHC has been paying a dividend for at least 10 years, so it has 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 Years9
Div Non Decr Years12
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 2Y15.29%
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 (3/27/2026, 8:04:00 PM)

After market: 37.94 0 (0%)

37.94

-0.61 (-1.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-22
Inst Owners83.66%
Inst Owner Change-3.3%
Ins Owners4.24%
Ins Owner Change32.06%
Market Cap1.71B
Revenue(TTM)416.07M
Net Income(TTM)108.71M
Analysts82
Price Target47.18 (24.35%)
Short Float %2.64%
Short Ratio2.24
Dividend
Industry RankSector Rank
Dividend Yield 3.32%
Yearly Dividend1.21
Dividend Growth(5Y)8.64%
DP42.36%
Div Incr Years9
Div Non Decr Years12
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%
PT rev (3m)3.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.38%
EPS NY rev (1m)-2.78%
EPS NY rev (3m)-6.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.54%
Revenue NY rev (1m)-0.48%
Revenue NY rev (3m)-0.11%
Valuation
Industry RankSector Rank
PE 12.52
Fwd PE 10.91
P/S 4.1
P/FCF 12.89
P/OCF 10.51
P/B 1.23
P/tB 1.66
EV/EBITDA N/A
EPS(TTM)3.03
EY7.99%
EPS(NY)3.48
Fwd EY9.17%
FCF(TTM)2.94
FCFY7.76%
OCF(TTM)3.61
OCFY9.51%
SpS9.24
BVpS30.77
TBVpS22.9
PEG (NY)0.85
PEG (5Y)15.43
Graham Number45.8
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
WACC16.23%
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)-5.9%
EPS 3Y0.56%
EPS 5Y0.81%
EPS Q2Q%-30.23%
EPS Next Y14.78%
EPS Next 2Y15.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.32%
Revenue growth 3Y7.59%
Revenue growth 5Y4.54%
Sales Q2Q%-6.39%
Revenue Next Year28.04%
Revenue Next 2Y16.91%
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.


How profitable is NATIONAL BANK HOLD-CL A (NBHC) stock?

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


How financially healthy is NATIONAL BANK HOLD-CL A?

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


How sustainable is the dividend of NATIONAL BANK HOLD-CL A (NBHC) stock?

The dividend rating of NATIONAL BANK HOLD-CL A (NBHC) is 8 / 10 and the dividend payout ratio is 42.36%.