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 -15.07%, its profits have fallen by -17.7%
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -15.07% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
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, Medium Return
Absolute
Risk Adjusted
Volatility
National Bank Holdings Corp.
14.48%
0.37
28.78%
S&P 500
22.99%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.98%
EBIT Growth (5y)
-6.51%
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
42.05%
Pledged Shares
0
Institutional Holding
86.27%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
1.60
EV to EBIT
16.47
EV to EBITDA
13.00
EV to Capital Employed
1.91
EV to Sales
3.34
PEG Ratio
NA
Dividend Yield
2.11%
ROCE (Latest)
11.61%
ROE (Latest)
7.85%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 108.8 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 69.98%
CREDIT DEPOSIT RATIO(HY)
Highest at 91.9%
NET SALES(Q)
Highest at USD 159.15 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 80.89 MM
NET PROFIT(HY)
At USD 36.35 MM has Grown at -31.32%
OPERATING PROFIT MARGIN(Q)
Lowest at 16.15 %
Here's what is working for National Bank Holdings Corp.
Non Performing Loans (%)
Lowest at 0.31%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 108.8 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (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)
Net Sales
Highest at USD 159.15 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Credit Deposit Ratio
Highest at 91.9%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 69.98%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at USD 8.96 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for National Bank Holdings Corp.
Operating Cash Flow
Lowest at USD 80.89 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Net Profit
At USD 36.35 MM has Grown at -31.32%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
Operating Profit Margin
Lowest at 16.15 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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