National Bank Holdings Corporation Fundamental Analysis (NYSE: NBHC)
National Bank Holdings Corporation Fundamental Analysis (NYSE: NBHC)
National Bank Holdings Corporation (NYSE: NBHC) shows weak financial fundamentals with a PE ratio of 15.94, profit margin of 16.51%, and ROE of 6.47%. The company generates $0.7B in annual revenue with weak year-over-year growth of -1.75%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 50.0/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze NBHC's fundamental strength across five key dimensions:
Efficiency Score
WeakNBHC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentNBHC trades at attractive valuation levels.
Growth Score
WeakNBHC faces weak or negative growth trends.
Financial Health Score
ExcellentNBHC maintains a strong and stable balance sheet.
Profitability Score
ModerateNBHC maintains healthy but balanced margins.
Key Financial Metrics
Is NBHC Expensive or Cheap?
P/E Ratio
NBHC trades at 15.94 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, NBHC's PEG of -0.92 indicates potential undervaluation.
Price to Book
The market values National Bank Holdings Corporation at 0.94 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 11.71 times EBITDA. This signals the market has high growth expectations.
How Well Does NBHC Make Money?
Net Profit Margin
For every $100 in sales, National Bank Holdings Corporation keeps $16.51 as profit after all expenses.
Operating Margin
Core operations generate 21.74 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.47 in profit for every $100 of shareholder equity.
ROA
National Bank Holdings Corporation generates $0.78 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
National Bank Holdings Corporation generates strong operating cash flow of $197.97M, reflecting robust business health.
Free Cash Flow
National Bank Holdings Corporation generates strong free cash flow of $149.04M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.33 in free cash annually.
FCF Yield
NBHC converts 6.92% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.94
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.92
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.94
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.07
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.21
vs 25 benchmark
Current Ratio
Current assets to current liabilities
90.10
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.06
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How NBHC Stacks Against Its Sector Peers
| Metric | NBHC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.94 | 20.76 | Better (Cheaper) |
| ROE | 6.47% | 644.00% | Weak |
| Net Margin | 16.51% | -1529.00% (disorted) | Strong |
| Debt/Equity | 0.21 | 0.88 | Strong (Low Leverage) |
| Current Ratio | 90.10 | 830.27 | Strong Liquidity |
| ROA | 0.78% | -577.00% (disorted) | Weak |
NBHC outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews National Bank Holdings Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
33.35%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-0.04%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
2213.05%
Industry Style: Value, Dividend, Cyclical
High Growth