National Bank Holdings Corporation (NBHC) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, National Bank Holdings Corporation (NYSE: NBHC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $38.06 (+1.68% 1D, market cap $1.70B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, NBHC ranks #524 in composite RQD confidence.
Within the Financials sector (Major Banks), NBHC carries a Roarable D+ (55/100 RQD), trailing P/E of 15.3x, gross margin of —, and ROIC of 7.9%. By comparison, QCRH (QCR Holdings Inc.) holds a C grade (64/100 RQD, P/E 13.2x, ROIC 11.4%, cap $1.69B) and HOPE (Hope Bancorp Inc.) posts a D+ grade (57/100 RQD, P/E 28.0x, ROIC 2.7%, cap $1.70B). Among the 5-stock peer group, QCRH leads on earnings multiple (13.2x) while QCRH leads on capital efficiency (11.4% ROIC).
Per NBHC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001475841), National Bank Holdings Corporation generated $47.1M in revenue (+2.1% YoY), $109.6M in net income, and $162.4M in free cash flow against $9.88B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)
Even with a 55/100 (D+) score, NBHC faces multiple-compression risk if 15.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($39.47) or 200D SMA ($41.30) invalidates the momentum regime and cuts Target Base ($37.55) toward Bear Floor ($29.29).
National Bank Holdings Corporation (NBHC) advanced +1.68% to $38.06, trading at 22% of its 52-week range ($35.47 – $47.28). Stretched risk/reward at 15x P/E (8% return on capital) under elevated 10-year interest-rate pressure.
Central banks are hinting at more rate hikes just as inflation in the US, Eurozone and UK keeps policymakers on edge, and that mix is quietly reshaping where cash feels safest. Higher short-term yields can reward patient
Regional banking company National Bank Holdings (NYSE:NBHC) fell short of the market’s revenue expectations in Q3 2026, but sales rose 19.7% year on year to $126.4 million. Its non-GAAP profit of $0.06 per share was 78.6
National Bank Holdings’ third quarter was marked by significant credit losses in its specialty banking group, leading to a negative market reaction. Management attributed the underperformance primarily to two large credi
BSX, NBHC and NMRK have been added to the Zacks Rank #5 (Strong Sell) List on October 30th, 2026.
National Bank (NYSE:NBHC) said it remains on track to deliver 10% full-year loan growth in 2026, even as third-quarter results were affected by elevated charge-offs tied primarily to two commercial credit events in its s
Credit losses drove an $8.8 million net loss, but management targets recovery.
(AP) — GREENWOOD VILLAGE, Colo. (AP) — National Bank Holdings Corp.
National Bank Holdings Corporation (NBHC) Q3 2026 Earnings Call October 28, 2026 11:00 AM EDTCompany ParticipantsEmily Gooden - Senior VP, Chief Accounting...
Moby summary of National Bank Holdings Corporation's Q3 2026 earnings call
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +2.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on NBHC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for NBHC. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, National Bank Holdings Corporation (NBHC) ranks #524 by composite RQD confidence (55/100, grade D+) and #459 by equity capitalization ($1.70B). Within this direct 5-issuer industry benchmark cohort, QCRH leads on earnings valuation at 13.2x trailing P/E, while QCRH leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. TCBK currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with NBHC at 55/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| NBHC
ACTIVE
National Bank Holdings Corporation | D+ | 55/100 | 15.3x | — | 7.9% | +1.68% | $1.70B | Benchmark Subject |
| QCRH QCR Holdings Inc. | C | 64/100 | 13.2x | — | 11.4% | +2.03% | $1.69B | /qcrh-vs-nbhc → |
| HOPE Hope Bancorp Inc. | D+ | 57/100 | 28.0x | — | 2.7% | +0.83% | $1.70B | /hope-vs-nbhc → |
| TCBK TriCo Bancshares | C+ | 66/100 | 14.1x | — | 9.2% | +2.08% | $1.71B | /tcbk-vs-nbhc → |
| BFC Bank First Corporation | D+ | 58/100 | 23.4x | — | 11.1% | +1.29% | $1.67B | /bfc-vs-nbhc → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), National Bank Holdings Corporation (NBHC) reported GAAP revenue of $47.1M (+2.1% vs. FY2024 revenue of $46.2M , and +0.5% cumulative change since FY2023) , GAAP net income of $109.6M, operating cash flow of $162.4M, and free cash flow of $162.4M (+4.6% YoY). On the balance sheet, NBHC closed FY2025 with $9.88B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $47.1M | $109.6M | $162.4M | $162.4M | $9.88B | — |
| FY2024 (FY) | 2024-12-31 | $46.2M | $118.8M | $155.3M | $155.3M | $9.81B | — |
| FY2023 (FY) | 2023-12-31 | $46.9M | $142.0M | $166.9M | $166.9M | — | — |
As of 2026-11-03, National Bank Holdings Corporation (NYSE: NBHC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $38.06 (+1.68% 1D, market cap $1.70B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, NBHC ranks #524 in composite RQD confidence.
Within the Financials sector (Major Banks), NBHC carries a Roarable D+ (55/100 RQD), trailing P/E of 15.3x, gross margin of —, and ROIC of 7.9%. By comparison, QCRH (QCR Holdings Inc.) holds a C grade (64/100 RQD, P/E 13.2x, ROIC 11.4%, cap $1.69B) and HOPE (Hope Bancorp Inc.) posts a D+ grade (57/100 RQD, P/E 28.0x, ROIC 2.7%, cap $1.70B). Among the 5-stock peer group, QCRH leads on earnings multiple (13.2x) while QCRH leads on capital efficiency (11.4% ROIC).
Per NBHC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001475841), National Bank Holdings Corporation generated $47.1M in revenue (+2.1% YoY), $109.6M in net income, and $162.4M in free cash flow against $9.88B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
NBHC last traded at $38.06 (+1.68% on volume of 563,816 shares), positioning the stock -3.57% below its 50-day simple moving average ($39.47) and -7.85% below its 200-day simple moving average ($41.30). Across its 52-week range of $35.47 to $47.28, NBHC sits at the 21.9% percentile with a 14-day RSI of 46.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.1% ($36.50 to $39.62).
National Bank Holdings Corporation (NBHC) earns a live Roarable RQD composite score of 55/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $38.06 (+1.68% 1D, market capitalization $1.70B).
Is a NYSE-listed issuer in the Financials sector, Major Banks industry. Reported revenue appears in the $46–47M range across the three listed periods.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), National Bank Holdings Corporation (NBHC) reported $47.1M in annual revenue (up from $46.2M in FY2024, +2.1% YoY) and $109.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($46.9M revenue, $142.0M net income) through FY2025, NBHC scaled operating cash flow to $162.4M and free cash flow to $162.4M, backed by $9.88B in total assets against $0 in total debt.
Operating in Major Banks (Financials), NBHC carries a macro regime beta of 1.00 and gross margin of —.
Real-time company headlines, analyst actions, and sector developments for National Bank Holdings Corporation (NBHC) • Click "Debate This Headline" to argue it in the Roar Pit below
Central banks are hinting at more rate hikes just as inflation in the US, Eurozone and UK keeps policymakers on edge, and that mix is quietly reshaping where cash feels safest. Higher short-term yields can reward patient
Regional banking company National Bank Holdings (NYSE:NBHC) fell short of the market’s revenue expectations in Q3 2026, but sales rose 19.7% year on year to $126.4 million. Its non-GAAP profit of $0.06 per share was 78.6
National Bank Holdings’ third quarter was marked by significant credit losses in its specialty banking group, leading to a negative market reaction. Management attributed the underperformance primarily to two large credi
BSX, NBHC and NMRK have been added to the Zacks Rank #5 (Strong Sell) List on October 30th, 2026.
National Bank (NYSE:NBHC) said it remains on track to deliver 10% full-year loan growth in 2026, even as third-quarter results were affected by elevated charge-offs tied primarily to two commercial credit events in its s
Credit losses drove an $8.8 million net loss, but management targets recovery.
(AP) — GREENWOOD VILLAGE, Colo. (AP) — National Bank Holdings Corp.
National Bank Holdings Corporation (NBHC) Q3 2026 Earnings Call October 28, 2026 11:00 AM EDTCompany ParticipantsEmily Gooden - Senior VP, Chief Accounting...
The street is overcomplicating National Bank Holdings Corporation (NBHC). Free cash flow yield of 9.71% and the strongest RQD pillar at 16 of 20 from insider conviction flow point to cash generation and insider support.. With an RQD score of 55/100 (D+) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $40.42.
Both sides have a point here — NBHC's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.
I respect the product at National Bank Holdings Corporation, but the stock at $37.43 is a different story. The RQD score of 55 with the whale 13F flow pillar at 4 of 20 and a Trim verdict signal weak institutional accumulation and middling fundamentals.. FCF yield is 9.71% and RQD sits at 55/100 (D+) — why pay up here when you can wait for next quarter's numbers?
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