NATIONAL BANK HOLD-CL A (NBHC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NBHC - US6337071046 - Common Stock
36.93 USD
-0.04 (-0.11%)
Overall NBHC gets a fundamental rating of 4 out of 10. We evaluated NBHC against 387 industry peers in the Banks industry. NBHC may be in some trouble as it scores bad on both profitability and health. NBHC is not valued too expensively and it also shows a decent growth rate. NBHC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year NBHC was profitable.
NBHC had a positive operating cash flow in the past year.
In the past 5 years NBHC has always been profitable.
Of the past 5 years NBHC 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of NBHC (1.19%) is better than 75.97% of its industry peers.
NBHC has a Return On Equity (8.79%) which is comparable to the rest of the industry.
| 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
With a decent Profit Margin value of 29.01%, NBHC is doing good in the industry, outperforming 75.19% 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
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.
NBHC's Debt to FCF ratio of 0.54 is amongst the best of the industry. NBHC outperforms 80.10% of its industry peers.
A Debt/Equity ratio of 0.06 indicates that NBHC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.06, NBHC is in the better half of the industry, outperforming 79.07% 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
WACC16.57%
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.
The Revenue has been growing slightly by 1.40% in the past year.
Measured over the past years, NBHC shows a small growth in Revenue. The Revenue has been growing by 7.10% on average per year.
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.
NBHC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.84% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.22, the valuation of NBHC can be described as very reasonable.
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 25.47, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.88, the valuation of NBHC can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as NBHC.
When comparing the Price/Forward Earnings ratio of NBHC to the average of the S&P500 Index (34.42), we can say NBHC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 9.88 |
4.2 Price Multiples
NBHC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NBHC is cheaper than 64.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.97 | ||
| 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)5.02
PEG (5Y)2.35
EPS Next 2Y7.74%
EPS Next 3Y8.89%
5. Dividend
5.1 Amount
NBHC has a Yearly Dividend Yield of 3.48%.
Compared to an average industry Dividend Yield of 3.33, NBHC pays a bit more dividend than its industry peers.
NBHC's Dividend Yield is a higher than the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.48% |
5.2 History
On average, the dividend of NBHC grows each year by 8.36%, 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)8.36%
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.
The dividend of NBHC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP37.4%
EPS Next 2Y7.74%
EPS Next 3Y8.89%
NYSE:NBHC (11/24/2025, 10:50:01 AM)
36.93
-0.04 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners99.84%
Inst Owner Change0.43%
Ins Owners2.18%
Ins Owner Change-0.47%
Market Cap1.40B
Revenue(TTM)416.68M
Net Income(TTM)120.86M
Analysts78
Price Target45.39 (22.91%)
Short Float %1.65%
Short Ratio1.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.48% |
Yearly Dividend1.13
Dividend Growth(5Y)8.36%
DP37.4%
Div Incr Years9
Div Non Decr Years12
Ex-Date
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)-1.11%
PT rev (3m)1.71%
EPS NQ rev (1m)-4.39%
EPS NQ rev (3m)-4.22%
EPS NY rev (1m)0.47%
EPS NY rev (3m)0.47%
Revenue NQ rev (1m)-0.72%
Revenue NQ rev (3m)-1.26%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 9.88 | ||
| P/S | 3.35 | ||
| P/FCF | 9.97 | ||
| P/OCF | 8.19 | ||
| P/B | 1.02 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.29
EY8.91%
EPS(NY)3.74
Fwd EY10.12%
FCF(TTM)3.71
FCFY10.03%
OCF(TTM)4.51
OCFY12.22%
SpS11.02
BVpS36.35
TBVpS26.93
PEG (NY)5.02
PEG (5Y)2.35
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
WACC16.57%
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
Can you provide the ChartMill fundamental rating for NATIONAL BANK HOLD-CL A?
ChartMill assigns a fundamental rating of 4 / 10 to NBHC.
What is the valuation status for 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.
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 2.24% in the next year.
Is the dividend of NATIONAL BANK HOLD-CL A sustainable?
The dividend rating of NATIONAL BANK HOLD-CL A (NBHC) is 7 / 10 and the dividend payout ratio is 37.4%.