National Bank Holdings Corporation (NBHC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
National Bank Holdings Corporation stock (NBHC) is currently trading at $38.44. National Bank Holdings Corporation PE ratio is 13.15. National Bank Holdings Corporation PS ratio (Price-to-Sales) is 4.24. Analyst consensus price target for NBHC is $46.25. WallStSmart rates NBHC as Underperform.
- NBHC PE ratio analysis and historical PE chart
- NBHC PS ratio (Price-to-Sales) history and trend
- NBHC intrinsic value — DCF, Graham Number, EPV models
- NBHC stock price prediction 2025 2026 2027 2028 2029 2030
- NBHC fair value vs current price
- NBHC insider transactions and insider buying
- Is NBHC undervalued or overvalued?
- National Bank Holdings Corporation financial analysis — revenue, earnings, cash flow
- NBHC Piotroski F-Score and Altman Z-Score
- NBHC analyst price target and Smart Rating
National Bank Holdings Corporation
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NBHC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · National Bank Holdings Corporation (NBHC)
NBHC trades 114% above its Graham fair value of $19.38, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
National Bank Holdings Corporation (NBHC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around return on equity and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
National Bank Holdings Corporation (NBHC) Key Strengths (4)
Keeps $28 of every $100 in revenue as net profit
85.19% of shares held by major funds and institutions
Strong operational efficiency: $24 kept per $100 revenue
Trading at 1.22x book value, attractively priced
Supporting Valuation Data
National Bank Holdings Corporation (NBHC) Areas to Watch (6)
Revenue declining -7.70%, a shrinking business
Earnings declining -41.90%, profits shrinking
Low profitability relative to shareholder equity
Premium valuation at 4.2x annual revenue
Small-cap company with higher risk but more growth potential
Growth is fairly priced, not cheap, not expensive
National Bank Holdings Corporation (NBHC) Detailed Analysis Report
Overall Assessment
This company scores 53/100 in our Smart Analysis, earning a C- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Profit Margin, Institutional Own., Operating Margin. Valuation metrics including Price/Book (1.22) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 24.10%, Profit Margin at 27.50%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Return on Equity. Some valuation metrics including PEG Ratio (1.57), Price/Sales (4.24) suggest expensive pricing. Growth concerns include Revenue Growth at -7.70%, EPS Growth at -41.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.15%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.15% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -7.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Profit Margin, Institutional Own.) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NBHC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NBHC's Price-to-Sales ratio of 4.24x sits near its historical average of 4.75x (48th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 52% below its historical high of 8.88x set in Aug 2018, and 58% above its historical low of 2.68x in Apr 2025. Over the past 12 months, the PS ratio has expanded from ~2.9x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for National Bank Holdings Corporation (NBHC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
National Bank Holdings Corporation faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 398M with 8% decline year-over-year. Profit margins are strong at 27.5%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 815.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 27.5% and operating margin of 24.1% demonstrate strong pricing power and operational efficiency.
Revenue contracted 8% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Dividend sustainability with a current yield of 324.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact National Bank Holdings Corporation.
Bottom Line
National Bank Holdings Corporation faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About National Bank Holdings Corporation(NBHC)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
National Bank Holdings Corporation is the banking holding company for NBH Bank offering various banking products and financial services to commercial, commercial and consumer clients in the United States. The company is headquartered in Greenwood Village, Colorado.