NATIONAL BANK HOLD-CL A (NBHC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NBHC - US6337071046 - Common Stock
40.88 USD
+0.08 (+0.2%)
40.88 USD
0 (0%)
Taking everything into account, NBHC scores 4 out of 10 in our fundamental rating. NBHC was compared to 383 industry peers in the Banks industry. NBHC may be in some trouble as it scores bad on both profitability and health. NBHC has a decent growth rate and is not valued too expensively. NBHC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year NBHC was profitable.
- In the past year NBHC had a positive cash flow from operations.
- Each year in the past 5 years NBHC has been profitable.
- NBHC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- NBHC's Return On Assets of 1.19% is fine compared to the rest of the industry. NBHC outperforms 75.98% of its industry peers.
- NBHC's Return On Equity of 8.79% is in line compared to the rest of the industry. NBHC outperforms 49.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 8.79% | ||
| ROIC | N/A |
ROA(3y)1.13%
ROA(5y)1.2%
ROE(3y)9.09%
ROE(5y)9.84%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 29.01%, NBHC is in the better half of the industry, outperforming 74.41% of the companies in the same industry.
- In the last couple of years the Profit Margin of NBHC has remained more or less at the same level.
- NBHC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.01% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.49%
PM growth 5Y0.93%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- NBHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for NBHC has been increased compared to 1 year ago.
- NBHC has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, NBHC has a worse debt to assets ratio.
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.
- The Debt to FCF ratio of NBHC (0.54) is better than 78.85% of its industry peers.
- A Debt/Equity ratio of 0.06 indicates that NBHC is not too dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.06, NBHC is doing good in the industry, outperforming 79.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- NBHC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.86%.
- NBHC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.78% yearly.
- Looking at the last year, NBHC shows a small growth in Revenue. The Revenue has grown by 1.40% in the last year.
- NBHC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.10% yearly.
EPS 1Y (TTM)1.86%
EPS 3Y2.5%
EPS 5Y4.78%
EPS Q2Q%6.98%
Revenue 1Y (TTM)1.4%
Revenue growth 3Y10.98%
Revenue growth 5Y7.1%
Sales Q2Q%2.8%
3.2 Future
- NBHC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.89% yearly.
- Based on estimates for the next years, NBHC will show a quite strong growth in Revenue. The Revenue will grow by 11.84% on average per year.
EPS Next Y2.24%
EPS Next 2Y7.74%
EPS Next 3Y8.89%
EPS Next 5YN/A
Revenue Next Year1.65%
Revenue Next 2Y14.11%
Revenue Next 3Y11.84%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 12.43 indicates a correct valuation of NBHC.
- Compared to the rest of the industry, the Price/Earnings ratio of NBHC is on the same level as its industry peers.
- NBHC is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 10.94, the valuation of NBHC can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NBHC is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, NBHC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.43 | ||
| Fwd PE | 10.94 |
4.2 Price Multiples
- NBHC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.03 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NBHC does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)5.55
PEG (5Y)2.6
EPS Next 2Y7.74%
EPS Next 3Y8.89%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.04%, NBHC has a reasonable but not impressive dividend return.
- NBHC's Dividend Yield is comparable with the industry average which is at 2.87.
- NBHC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.04% |
5.2 History
- On average, the dividend of NBHC grows each year by 8.36%, 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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)8.36%
Div Incr Years9
Div Non Decr Years12
5.3 Sustainability
- 37.40% of the earnings are spent on dividend by NBHC. This is a low number and sustainable payout ratio.
- NBHC's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP37.4%
EPS Next 2Y7.74%
EPS Next 3Y8.89%
40.88
+0.08 (+0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-21 2025-10-21/amc
Earnings (Next)01-27 2026-01-27/amc
Inst Owners100.87%
Inst Owner Change-1.72%
Ins Owners2.17%
Ins Owner Change29.62%
Market Cap1.55B
Revenue(TTM)416.68M
Net Income(TTM)120.86M
Analysts78
Price Target45.39 (11.03%)
Short Float %1.83%
Short Ratio2.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.04% |
Yearly Dividend1.13
Dividend Growth(5Y)8.36%
DP37.4%
Div Incr Years9
Div Non Decr Years12
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.65%
Min EPS beat(2)6.08%
Max EPS beat(2)9.21%
EPS beat(4)3
Avg EPS beat(4)2.01%
Min EPS beat(4)-18.19%
Max EPS beat(4)10.94%
EPS beat(8)6
Avg EPS beat(8)2.59%
EPS beat(12)9
Avg EPS beat(12)2.78%
EPS beat(16)12
Avg EPS beat(16)5.09%
Revenue beat(2)1
Avg Revenue beat(2)-3.06%
Min Revenue beat(2)-7.18%
Max Revenue beat(2)1.05%
Revenue beat(4)2
Avg Revenue beat(4)-3.15%
Min Revenue beat(4)-7.18%
Max Revenue beat(4)1.05%
Revenue beat(8)4
Avg Revenue beat(8)-2.25%
Revenue beat(12)4
Avg Revenue beat(12)-2.5%
Revenue beat(16)6
Avg Revenue beat(16)-2.03%
PT rev (1m)0%
PT rev (3m)-1.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.39%
EPS NY rev (1m)0%
EPS NY rev (3m)0.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.43 | ||
| Fwd PE | 10.94 | ||
| P/S | 3.71 | ||
| P/FCF | 11.03 | ||
| P/OCF | 9.06 | ||
| P/B | 1.12 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.29
EY8.05%
EPS(NY)3.74
Fwd EY9.14%
FCF(TTM)3.71
FCFY9.06%
OCF(TTM)4.51
OCFY11.04%
SpS11.02
BVpS36.35
TBVpS26.93
PEG (NY)5.55
PEG (5Y)2.6
Graham Number51.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 8.79% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.01% | ||
| GM | N/A | ||
| FCFM | 33.63% |
ROA(3y)1.13%
ROA(5y)1.2%
ROE(3y)9.09%
ROE(5y)9.84%
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 3Y-2.49%
PM growth 5Y0.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.54 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 117.2% | ||
| Cap/Sales | 7.32% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 115.95% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC16.08%
ROIC/WACCN/A
Cap/Depr(3y)124.34%
Cap/Depr(5y)N/A
Cap/Sales(3y)6.96%
Cap/Sales(5y)N/A
Profit Quality(3y)159.33%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.86%
EPS 3Y2.5%
EPS 5Y4.78%
EPS Q2Q%6.98%
EPS Next Y2.24%
EPS Next 2Y7.74%
EPS Next 3Y8.89%
EPS Next 5YN/A
Revenue 1Y (TTM)1.4%
Revenue growth 3Y10.98%
Revenue growth 5Y7.1%
Sales Q2Q%2.8%
Revenue Next Year1.65%
Revenue Next 2Y14.11%
Revenue Next 3Y11.84%
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 1Y8.97%
FCF growth 3Y-12.4%
FCF growth 5Y29.61%
OCF growth 1Y9.52%
OCF growth 3Y-4.72%
OCF growth 5Y28.57%
NATIONAL BANK HOLD-CL A / NBHC 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 7 / 10 and the dividend payout ratio is 37.4%.