ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is National Bank Holdings Corp. ?
1
High Profitability with a Net Interest Margin of 6.26%
2
Strong Long Term Fundamental Strength with a 9.52% CAGR growth in Net Profits
3
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 168.98 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- OPERATING PROFIT MARGIN(Q) Highest at 31.66 %
4
With ROA of 0.83%, it has a fair valuation with a 1.65 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -17.90%, its profits have fallen by -17.7%
5
Below par performance in long term as well as near term
- Along with generating -17.90% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to National Bank Holdings Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is National Bank Holdings Corp. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
National Bank Holdings Corp.
-17.9%
0.26
28.70%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.06%
EBIT Growth (5y)
-0.04%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
36.32%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
1.65
EV to EBIT
17.56
EV to EBITDA
14.43
EV to Capital Employed
1.77
EV to Sales
3.69
PEG Ratio
NA
Dividend Yield
148.49%
ROCE (Latest)
10.10%
ROE (Latest)
8.42%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 168.98 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT MARGIN(Q)
Highest at 31.66 %
PRE-TAX PROFIT(Q)
Highest at USD 41.54 MM
NET PROFIT(Q)
Highest at USD 33.73 MM
EPS(Q)
Highest at USD 0.88
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 90.54%
Here's what is working for National Bank Holdings Corp.
Operating Cash Flow
Highest at USD 168.98 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Profit Margin
Highest at 31.66 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 41.54 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 33.73 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.88
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
CASA
Highest at 14.2%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for National Bank Holdings Corp.
Credit Deposit Ratio
Lowest at 90.54%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
