NBHC Fundamental Analysis - NATIONAL BANK HOLD-CL A

Fundamental Rating

NBHC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. NBHC may be in some trouble as it scores bad on both profitability and health. NBHC is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

NBHC had positive earnings in the past year.

NBHC had a positive operating cash flow in the past year.

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

With a decent Return On Assets value of 1.19%, NBHC is doing good in the industry, outperforming 77.55% of the companies in the same industry.

Looking at the Return On Equity, with a value of 8.80%, NBHC is in line with its industry, outperforming 53.83% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.19%
ROE	8.8%
ROIC	N/A

ROA(3y)1.12%

ROA(5y)1.2%

ROE(3y)9.09%

ROE(5y)9.83%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

NBHC's Profit Margin of 28.76% is fine compared to the rest of the industry. NBHC outperforms 77.30% of its industry peers.

NBHC's Profit Margin has been stable in the last couple of years.

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)	28.76%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.62%

PM growth 5Y0.85%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NBHC does not have a ROIC to compare to the WACC, probably because it is not profitable.

NBHC has about the same amout of shares outstanding than it did 1 year ago.

Compared to 5 years ago, NBHC has more shares outstanding

The debt/assets ratio for NBHC has remained at the same level compared to a year ago.

2.2 Solvency

NBHC has a debt to FCF ratio of 0.55. This is a very positive value and a sign of high solvency as it would only need 0.55 years to pay back of all of its debts.

NBHC's Debt to FCF ratio of 0.55 is amongst the best of the industry. NBHC outperforms 81.89% of its industry peers.

NBHC has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.05, NBHC is doing good in the industry, outperforming 79.85% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.55
Altman-Z	N/A

ROIC/WACCN/A

WACC16.18%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for NBHC have decreased by -2.42% in the last year.

NBHC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.78% yearly.

The Revenue has been growing slightly by 0.42% in the past 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)-2.42%

EPS 3Y2.5%

EPS 5Y4.78%

EPS Q2Q%29.41%

Revenue 1Y (TTM)0.42%

Revenue growth 3Y10.98%

Revenue growth 5Y7.1%

Sales Q2Q%5.2%

3.2 Future

The Earnings Per Share is expected to grow by 4.59% on average over the next years.

Based on estimates for the next years, NBHC will show a small growth in Revenue. The Revenue will grow by 2.69% on average per year.

EPS Next Y1.76%

EPS Next 2Y3.87%

EPS Next 3Y4.59%

EPS Next 5YN/A

Revenue Next Year1.76%

Revenue Next 2Y3.38%

Revenue Next 3Y2.69%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same 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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.23, NBHC is valued correctly.

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 27.41, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 11.37, which indicates a very decent valuation of NBHC.

NBHC's Price/Forward Earnings ratio is in line with the industry average.

The average S&P500 Price/Forward Earnings ratio is at 22.87. NBHC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.23
Fwd PE	11.37

4.2 Price Multiples

NBHC's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	11.3
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)6.94

PEG (5Y)2.56

EPS Next 2Y3.87%

EPS Next 3Y4.59%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.89%, NBHC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.47, NBHC has a dividend in line with its industry peers.

NBHC's Dividend Yield is a higher than the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	2.89%

5.2 History

On average, the dividend of NBHC grows each year by 8.34%, which is quite nice.

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)8.34%

Div Incr Years9

Div Non Decr Years12

5.3 Sustainability

NBHC pays out 37.82% of its income as dividend. This is a sustainable payout ratio.

NBHC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP37.82%

EPS Next 2Y3.87%

EPS Next 3Y4.59%

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NATIONAL BANK HOLD-CL A

NYSE:NBHC (9/22/2025, 4:26:02 PM)

After market: 39.5 0 (0%)

39.5

-0.46 (-1.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/amc

Earnings (Next)10-20 2025-10-20/amc

Inst Owners100.06%

Inst Owner Change-2.14%

Ins Owners2.18%

Ins Owner Change1.98%

Market Cap1.50B

Analysts76

Price Target44.63 (12.99%)

Short Float %1.34%

Short Ratio1.58

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.89%

Yearly Dividend1.13

Dividend Growth(5Y)8.34%

DP37.82%

Div Incr Years9

Div Non Decr Years12

Ex-Date08-29 2025-08-29 (0.3)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-4.49%

Min EPS beat(2)-18.19%

Max EPS beat(2)9.21%

EPS beat(4)3

Avg EPS beat(4)3.74%

Min EPS beat(4)-18.19%

Max EPS beat(4)13.02%

EPS beat(8)6

Avg EPS beat(8)2.69%

EPS beat(12)9

Avg EPS beat(12)4.58%

EPS beat(16)12

Avg EPS beat(16)4.83%

Revenue beat(2)0

Avg Revenue beat(2)-7.03%

Min Revenue beat(2)-7.18%

Max Revenue beat(2)-6.88%

Revenue beat(4)2

Avg Revenue beat(4)-3.14%

Min Revenue beat(4)-7.18%

Max Revenue beat(4)1.1%

Revenue beat(8)3

Avg Revenue beat(8)-2.49%

Revenue beat(12)4

Avg Revenue beat(12)-2.04%

Revenue beat(16)6

Avg Revenue beat(16)-1.7%

PT rev (1m)0%

PT rev (3m)7.76%

EPS NQ rev (1m)0%

EPS NQ rev (3m)9.54%

EPS NY rev (1m)0%

EPS NY rev (3m)6.73%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-3.85%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-2.88%

Valuation

		Industry Rank	Sector Rank
PE	12.23
Fwd PE	11.37
P/S	3.63
P/FCF	11.3
P/OCF	9.11
P/B	1.11
P/tB	1.51
EV/EBITDA	N/A

EPS(TTM)3.23

EY8.18%

EPS(NY)3.47

Fwd EY8.8%

FCF(TTM)3.5

FCFY8.85%

OCF(TTM)4.34

OCFY10.98%

SpS10.88

BVpS35.56

TBVpS26.15

PEG (NY)6.94

PEG (5Y)2.56

Profitability

		Industry Rank	Sector Rank
ROA	1.19%
ROE	8.8%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.76%
GM	N/A
FCFM	32.14%

ROA(3y)1.12%

ROA(5y)1.2%

ROE(3y)9.09%

ROE(5y)9.83%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.62%

PM growth 5Y0.85%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.55
Debt/EBITDA	N/A
Cap/Depr	133.33%
Cap/Sales	7.73%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	111.77%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC16.18%

ROIC/WACCN/A

Cap/Depr(3y)125.2%

Cap/Depr(5y)N/A

Cap/Sales(3y)7%

Cap/Sales(5y)N/A

Profit Quality(3y)159.21%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-2.42%

EPS 3Y2.5%

EPS 5Y4.78%

EPS Q2Q%29.41%

EPS Next Y1.76%

EPS Next 2Y3.87%

EPS Next 3Y4.59%

EPS Next 5YN/A

Revenue 1Y (TTM)0.42%

Revenue growth 3Y10.98%

Revenue growth 5Y7.1%

Sales Q2Q%5.2%

Revenue Next Year1.76%

Revenue Next 2Y3.38%

Revenue Next 3Y2.69%

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 1Y-6.86%

FCF growth 3Y-12.56%

FCF growth 5Y29.46%

OCF growth 1Y2.1%

OCF growth 3Y-4.77%

OCF growth 5Y28.52%

NATIONAL BANK HOLD-CL A (NBHC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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