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

NYSE:NBHC • US6337071046

42.52 USD

+0.69 (+1.65%)

At close: Feb 20, 2026

42.52 USD

0 (0%)

After Hours: 2/20/2026, 8:04:00 PM

Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News

Fundamental Rating

Overall NBHC gets a fundamental rating of 4 out of 10. We evaluated NBHC 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. Finally NBHC also has an excellent dividend rating.

Quickly go to:

1. Profitability 2. Health 3. Growth 4. Valuation 5. Dividend

1. Profitability

1.1 Basic Checks

NBHC had positive earnings in the past year.
In the past year NBHC had a positive cash flow from operations.
NBHC had positive earnings in 4 of the past 5 years.
NBHC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

NBHC has a Return On Assets of 1.19%. This is in the better half of the industry: NBHC outperforms 74.41% of its industry peers.
NBHC has a Return On Equity (8.79%) which is in line with 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

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.
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

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

2. Health

2.1 Basic Checks

NBHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for NBHC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

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.
With a decent Debt to FCF ratio value of 0.54, NBHC is doing good in the industry, outperforming 78.89% of the companies in the same industry.
NBHC has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.06, NBHC is in the better half of 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

WACC14.71%

2.3 Liquidity

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

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

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%.
Measured over the past 5 years, NBHC shows a small growth in Earnings Per Share. The EPS has been growing by 0.81% on average per year.

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

NBHC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.27% yearly.
The Revenue is expected to grow by 17.16% on average over the next years. This is quite good.

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.

More info and screens

Find the best growth stocks Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.03, NBHC is valued correctly.
Based on the Price/Earnings ratio, NBHC is valued a bit more expensive than 60.95% of the companies in the same industry.
When comparing the Price/Earnings ratio of NBHC to the average of the S&P500 Index (26.99), we can say NBHC is valued slightly cheaper.
NBHC is valuated reasonably with a Price/Forward Earnings ratio of 11.89.
NBHC's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of NBHC to the average of the S&P500 Index (28.02), we can say NBHC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	14.03
Fwd PE	11.89

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	13.71
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.
A more expensive valuation may be justified as NBHC's earnings are expected to grow with 16.27% in the coming years.

PEG (NY)0.78

PEG (5Y)17.29

EPS Next 2Y16.27%

EPS Next 3YN/A

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

5. Dividend

5.1 Amount

NBHC has a Yearly Dividend Yield of 3.14%. Purely for dividend investing, there may be better candidates out there.
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 1.81, 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

NBHC pays out 37.40% of its income as dividend. This is a sustainable payout ratio.
NBHC's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP37.4%

EPS Next 2Y16.27%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks Show peers with best dividend

NATIONAL BANK HOLD-CL A

NYSE:NBHC (2/20/2026, 8:04:00 PM)

After market: 42.52 0 (0%)

42.52

+0.69 (+1.65%)

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 Cap1.92B

Revenue(TTM)N/A

Net Income(TTM)120.86M

Analysts82

Price Target47.18 (10.96%)

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	14.03
Fwd PE	11.89
P/S	4.61
P/FCF	13.71
P/OCF	11.26
P/B	1.4
P/tB	1.89
EV/EBITDA	N/A

EPS(TTM)3.03

EY7.13%

EPS(NY)3.58

Fwd EY8.41%

FCF(TTM)3.1

FCFY7.3%

OCF(TTM)3.78

OCFY8.88%

SpS9.22

BVpS30.44

TBVpS22.55

PEG (NY)0.78

PEG (5Y)17.29

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

WACC14.71%

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 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 37.4%.