National Bank Holdings Net Income
| NBHC Stock | USD 41.51 0.32 0.77% |
As of the 11th of February 2026, National Bank secures the Mean Deviation of 1.06, downside deviation of 1.29, and Risk Adjusted Performance of 0.1288. In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of National Bank Holdings, as well as the relationship between them.
National Bank Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.8619 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 136.6 M | 143.5 M | |
| Net Income Applicable To Common Shares | 81.8 M | 42.4 M | |
| Net Income From Continuing Ops | 136.6 M | 143.5 M | |
| Net Income Per Share | 2.87 | 3.01 | |
| Net Income Per E B T | 0.82 | 0.57 |
National | Net Income | Build AI portfolio with National Stock |
Analyzing National Bank's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing National Bank's current valuation and future prospects.
Latest National Bank's Net Income Growth Pattern
Below is the plot of the Net Income of National Bank Holdings over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in National Bank Holdings financial statement analysis. It represents the amount of money remaining after all of National Bank Holdings operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is National Bank's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in National Bank's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 118.81 M | 10 Years Trend |
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Net Income |
| Timeline |
National Net Income Regression Statistics
| Arithmetic Mean | 54,149,735 | |
| Geometric Mean | 25,965,083 | |
| Coefficient Of Variation | 85.40 | |
| Mean Deviation | 39,375,162 | |
| Median | 56,312,494 | |
| Standard Deviation | 46,242,534 | |
| Sample Variance | 2138.4T | |
| Range | 143.6M | |
| R-Value | 0.81 | |
| Mean Square Error | 771.6T | |
| R-Squared | 0.66 | |
| Significance | 0.000071 | |
| Slope | 7,449,061 | |
| Total Sum of Squares | 34214T |
National Net Income History
Other Fundumenentals of National Bank Holdings
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
National Bank Net Income component correlations
National Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for National Bank is extremely important. It helps to project a fair market value of National Stock properly, considering its historical fundamentals such as Net Income. Since National Bank's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of National Bank's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of National Bank's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Regional Banks sector continue expanding? Could National diversify its offerings? Factors like these will boost the valuation of National Bank. Anticipated expansion of National directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every National Bank data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.42) | Dividend Share 1.23 | Earnings Share 2.84 | Revenue Per Share | Quarterly Revenue Growth (0.08) |
The market value of National Bank Holdings is measured differently than its book value, which is the value of National that is recorded on the company's balance sheet. Investors also form their own opinion of National Bank's value that differs from its market value or its book value, called intrinsic value, which is National Bank's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because National Bank's market value can be influenced by many factors that don't directly affect National Bank's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between National Bank's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding National Bank should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, National Bank's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
National Bank 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to National Bank's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of National Bank.
| 11/13/2025 |
| 02/11/2026 |
If you would invest 0.00 in National Bank on November 13, 2025 and sell it all today you would earn a total of 0.00 from holding National Bank Holdings or generate 0.0% return on investment in National Bank over 90 days. National Bank is related to or competes with QCR Holdings, ST Bancorp, Hope Bancorp, TriCo Bancshares, 1st Source, Byline Bancorp, and Lakeland Financial. National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking produ... More
National Bank Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure National Bank's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess National Bank Holdings upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.29 | |||
| Information Ratio | 0.0943 | |||
| Maximum Drawdown | 9.76 | |||
| Value At Risk | (1.55) | |||
| Potential Upside | 2.85 |
National Bank Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for National Bank's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as National Bank's standard deviation. In reality, there are many statistical measures that can use National Bank historical prices to predict the future National Bank's volatility.| Risk Adjusted Performance | 0.1288 | |||
| Jensen Alpha | 0.1341 | |||
| Total Risk Alpha | 0.069 | |||
| Sortino Ratio | 0.1118 | |||
| Treynor Ratio | 0.2025 |
National Bank February 11, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1288 | |||
| Market Risk Adjusted Performance | 0.2125 | |||
| Mean Deviation | 1.06 | |||
| Semi Deviation | 0.9967 | |||
| Downside Deviation | 1.29 | |||
| Coefficient Of Variation | 645.41 | |||
| Standard Deviation | 1.53 | |||
| Variance | 2.33 | |||
| Information Ratio | 0.0943 | |||
| Jensen Alpha | 0.1341 | |||
| Total Risk Alpha | 0.069 | |||
| Sortino Ratio | 0.1118 | |||
| Treynor Ratio | 0.2025 | |||
| Maximum Drawdown | 9.76 | |||
| Value At Risk | (1.55) | |||
| Potential Upside | 2.85 | |||
| Downside Variance | 1.66 | |||
| Semi Variance | 0.9935 | |||
| Expected Short fall | (1.21) | |||
| Skewness | 0.5523 | |||
| Kurtosis | 2.47 |
National Bank Holdings Backtested Returns
National Bank appears to be very steady, given 3 months investment horizon. National Bank Holdings has Sharpe Ratio of 0.15, which conveys that the firm had a 0.15 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for National Bank, which you can use to evaluate the volatility of the firm. Please exercise National Bank's Downside Deviation of 1.29, mean deviation of 1.06, and Risk Adjusted Performance of 0.1288 to check out if our risk estimates are consistent with your expectations. On a scale of 0 to 100, National Bank holds a performance score of 11. The company secures a Beta (Market Risk) of 1.12, which conveys a somewhat significant risk relative to the market. National Bank returns are very sensitive to returns on the market. As the market goes up or down, National Bank is expected to follow. Please check National Bank's maximum drawdown, skewness, day typical price, as well as the relationship between the downside variance and daily balance of power , to make a quick decision on whether National Bank's current price movements will revert.
Auto-correlation | 0.67 |
Good predictability
National Bank Holdings has good predictability. Overlapping area represents the amount of predictability between National Bank time series from 13th of November 2025 to 28th of December 2025 and 28th of December 2025 to 11th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of National Bank Holdings price movement. The serial correlation of 0.67 indicates that around 67.0% of current National Bank price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.67 | |
| Spearman Rank Test | 0.7 | |
| Residual Average | 0.0 | |
| Price Variance | 1.4 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
National Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, National Bank Holdings reported net income of 118.81 M. This is 90.7% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 79.19% higher than that of the company.
National Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses National Bank's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of National Bank could also be used in its relative valuation, which is a method of valuing National Bank by comparing valuation metrics of similar companies.National Bank is currently under evaluation in net income category among its peers.
National Bank ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, National Bank's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to National Bank's managers, analysts, and investors.Environmental | Governance | Social |
National Bank Institutional Holders
Institutional Holdings refers to the ownership stake in National Bank that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of National Bank's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing National Bank's value.| Shares | Aristotle Capital Boston, Llc | 2025-06-30 | 755.8 K | Principal Financial Group Inc | 2025-06-30 | 651.2 K | Millennium Management Llc | 2025-06-30 | 607.7 K | Nuveen, Llc | 2025-06-30 | 551.7 K | Boston Partners Global Investors, Inc | 2025-06-30 | 506.6 K | First Trust Advisors L.p. | 2025-06-30 | 489.3 K | American Century Companies Inc | 2025-06-30 | 427.7 K | Northern Trust Corp | 2025-06-30 | 415 K | Charles Schwab Investment Management Inc | 2025-06-30 | 407 K | Blackrock Inc | 2025-06-30 | 5.5 M | Vanguard Group Inc | 2025-06-30 | 4.2 M |
National Fundamentals
| Return On Equity | 0.0815 | ||||
| Return On Asset | 0.0111 | ||||
| Profit Margin | 0.28 % | ||||
| Operating Margin | 0.23 % | ||||
| Current Valuation | 1.23 B | ||||
| Shares Outstanding | 45.05 M | ||||
| Shares Owned By Insiders | 4.22 % | ||||
| Shares Owned By Institutions | 85.50 % | ||||
| Number Of Shares Shorted | 794.44 K | ||||
| Price To Earning | 14.95 X | ||||
| Price To Book | 1.14 X | ||||
| Price To Sales | 4.73 X | ||||
| Revenue | 583.94 M | ||||
| Gross Profit | 398.27 M | ||||
| EBITDA | 164.51 M | ||||
| Net Income | 118.81 M | ||||
| Cash And Equivalents | 476.01 M | ||||
| Cash Per Share | 15.91 X | ||||
| Total Debt | 71.89 M | ||||
| Debt To Equity | 6.59 % | ||||
| Book Value Per Share | 36.67 X | ||||
| Cash Flow From Operations | 155.27 M | ||||
| Short Ratio | 2.11 X | ||||
| Earnings Per Share | 2.84 X | ||||
| Price To Earnings To Growth | 2.90 X | ||||
| Target Price | 46.25 | ||||
| Number Of Employees | 1.26 K | ||||
| Beta | 0.79 | ||||
| Market Capitalization | 1.88 B | ||||
| Total Asset | 9.88 B | ||||
| Retained Earnings | 572.46 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 1.99 % | ||||
| Net Asset | 9.88 B | ||||
| Last Dividend Paid | 1.23 |
About National Bank Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze National Bank Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of National Bank using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of National Bank Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether National Bank Holdings offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of National Bank's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of National Bank Holdings Stock. Outlined below are crucial reports that will aid in making a well-informed decision on National Bank Holdings Stock:Check out You can also try the Risk-Return Analysis module to view associations between returns expected from investment and the risk you assume.
Will Regional Banks sector continue expanding? Could National diversify its offerings? Factors like these will boost the valuation of National Bank. Anticipated expansion of National directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every National Bank data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.42) | Dividend Share 1.23 | Earnings Share 2.84 | Revenue Per Share | Quarterly Revenue Growth (0.08) |
The market value of National Bank Holdings is measured differently than its book value, which is the value of National that is recorded on the company's balance sheet. Investors also form their own opinion of National Bank's value that differs from its market value or its book value, called intrinsic value, which is National Bank's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because National Bank's market value can be influenced by many factors that don't directly affect National Bank's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between National Bank's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding National Bank should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, National Bank's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.