NATIONAL BANK HOLD-CL A (NBHC) Stock Fundamental Analysis
NYSE:NBHC • US6337071046
40.99 USD
+0.8 (+1.99%)
At close: Feb 25, 2026
40.99 USD
0 (0%)
After Hours: 2/25/2026, 7:26:30 PM
NBHC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. Both the profitability and financial health of NBHC have multiple concerns. NBHC is valued correctly, but it does not seem to be growing. 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.
- NBHC had positive earnings in 4 of the past 5 years.
- Of the past 5 years NBHC 4 years had a positive operating cash flow.
1.2 Ratios
- NBHC has a better Return On Assets (1.19%) than 74.41% 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 73.09% of the companies in the same industry.
- 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) | 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.
- NBHC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
- Looking at the Debt to FCF ratio, with a value of 0.54, NBHC is in the better half of the industry, outperforming 78.89% of the companies in the same industry.
- 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 79.16% 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
WACC14.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
EPS 1Y (TTM)-5.9%
EPS 3Y0.56%
EPS 5Y0.81%
EPS Q2Q%-30.23%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-6.39%
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 16.27% 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 17.16% on average per year.
EPS Next Y18.06%
EPS Next 2Y16.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.65%
Revenue Next 2Y17.16%
Revenue Next 3YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.53, the valuation of NBHC can be described as correct.
- NBHC's Price/Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 27.05, NBHC is valued a bit cheaper.
- The Price/Forward Earnings ratio is 11.46, which indicates a very decent valuation of NBHC.
- 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 (28.03), we can say NBHC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 11.46 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as NBHC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.21 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- NBHC's 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 16.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.75
PEG (5Y)16.67
EPS Next 2Y16.27%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- NBHC has a Yearly Dividend Yield of 3.14%.
- NBHC's Dividend Yield is a higher than the industry average which is at 2.74.
- Compared to an average S&P500 Dividend Yield of 1.80, NBHC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
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 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, but earnings are growing more, so the dividend growth is sustainable.
DP37.4%
EPS Next 2Y16.27%
EPS Next 3YN/A
40.99
+0.8 (+1.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2026-01-27/amc
Earnings (Next)04-20 2026-04-20
Inst Owners100.87%
Inst Owner Change-3.77%
Ins Owners2.17%
Ins Owner Change30.35%
Market Cap1.85B
Revenue(TTM)N/A
Net Income(TTM)120.86M
Analysts82
Price Target47.18 (15.1%)
Short Float %2.38%
Short Ratio2.49
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
Yearly Dividend1.13
Dividend Growth(5Y)8.36%
DP37.4%
Div Incr Years9
Div Non Decr Years12
Ex-Date02-27 2026-02-27 (0.32)
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)3.93%
PT rev (3m)3.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.16%
EPS NY rev (1m)0%
EPS NY rev (3m)0.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 11.46 | ||
| P/S | 4.44 | ||
| P/FCF | 13.21 | ||
| P/OCF | 10.85 | ||
| P/B | 1.35 | ||
| P/tB | 1.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.03
EY7.39%
EPS(NY)3.58
Fwd EY8.73%
FCF(TTM)3.1
FCFY7.57%
OCF(TTM)3.78
OCFY9.22%
SpS9.22
BVpS30.44
TBVpS22.55
PEG (NY)0.75
PEG (5Y)16.67
Graham Number45.55
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
WACC14.87%
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)-5.9%
EPS 3Y0.56%
EPS 5Y0.81%
EPS Q2Q%-30.23%
EPS Next Y18.06%
EPS Next 2Y16.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-6.39%
Revenue Next Year28.65%
Revenue Next 2Y17.16%
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 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 5 / 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 37.4%.