NYSE
NBHC
Last Price
US $44.98
KEY FIGURES
MKT CAP
$1.7B
EPS
TTM
$2.78
PEG
TTM
N/M
P/E
TTM
16.34x
P/S
TTM
2.94x
YIELD
2.76%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
7.35%
Return on equity
ROIC: 0.90%
Valuation History
16.3X
Price to Earnings
EV/EBITDA: 9.0X
Cash flow
Profit margin
10.53%
(FY vs FY)
EBITDA Y/Y
5.84%
(FY vs FY)
Cash flow Y/Y
-
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $44.98
—
Default assumptions
EBITDA Multiple
Fair Value
Market $44.98
-12.34%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
National Bank Holdings Corporation cash flow to debt ratio of 225.93% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
National Bank Holdings Corporation's free cash flow has increased 9.79% from $120.68M last year to $132.50M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
National Bank Holdings Corporation's debt to equity ratio is 0.13, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
National Bank Holdings Corporation's debt has increased relative to shareholder equity from 0.09 last year to 0.13 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
National Bank Holdings Corporation has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
National Bank Holdings Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial risk - Profit margin growth.
National Bank Holdings Corporation's profit margin has decreased (-13.93%) in the last year from 19.99% to 17.21%, signaling decreasing performance
Financial risk - Short term assets vs short term liabilities.
National Bank Holdings Corporation's short-term liabilities of $3.46G exceed its short-term assets of $945.70M, signaling financial risk
Decreasing performance - ROA.
National Bank Holdings Corporation's return on assets of 0.84% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
National Bank Holdings Corporation's return on equity of 7.35%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
National Bank Holdings Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
National Bank Holdings Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
National Bank Holdings Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
National Bank Holdings Corporation has a free cash flow yield of 7.71%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Decreasing performance - Healthy earnings growth.
National Bank Holdings Corporation's yearly earnings has decreased -7.78% since last year from $118.81M to $109.57M, signaling decreasing performance
Decreasing performance - Healthy revenue growth.
National Bank Holdings Corporation's yearly revenue has decreased -1.75% since last year from $594.31M to $583.94M, signaling decreasing performance
Decreasing performance - ROIC.
ROIC 0.90% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
National Bank Holdings Corporation's 3-year revenue CAGR of 19.00% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
National Bank Holdings Corporation had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
National Bank Holdings Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
National Bank Holdings Corporation has insufficient data to evaluate this check.
Undervalued - Earnings yield.
National Bank Holdings Corporation has an earnings yield of 6.14%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
National Bank Holdings Corporation is overvalued relative to its fair value price of 39.43 based on EBITDA multiple model
Undervalued - EV/EBITDA.
National Bank Holdings Corporation has an EV/EBITDA ratio of 8.97x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Overvalued - PEG ratio value.
National Bank Holdings Corporation has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails
Undervalued - P/B ratio.
National Bank Holdings Corporation has a price-to-book ratio of 1.04x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
National Bank Holdings Corporation has a price-to-sales ratio of 2.78x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue