National Bk Hldgs Corp Financials
This page shows National Bk Hldgs Corp (NBHC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Capital is building faster than returns, leaving a more liquid balance sheet but a lower-yielding asset base in FY2025.
From FY2023 to FY2025, equity grew from$1.21B to$1.39B while net income fell from$142.0M to$109.6M , pushing ROE down from11.7% to7.9% . Because operating cash flow still exceeded net income in each of those years, the weaker return looks more like return dilution from a thicker capital base than a deterioration in earnings quality.
In FY2025, operating cash flow of
The cash balance climbed to
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of National Bk Hldgs Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
National Bk Hldgs Corp's revenue grew a modest 2.9% year-over-year to $47.1M. This slow but positive growth earns a score of 34/100.
National Bk Hldgs Corp carries a low D/E ratio of 0.04, meaning only $0.04 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
National Bk Hldgs Corp's ROE of 7.9% shows moderate profitability relative to equity, earning a score of 31/100. This is down from 9.1% the prior year.
National Bk Hldgs Corp passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, National Bk Hldgs Corp generates $1.48 in operating cash flow ($162.4M OCF vs $109.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
National Bk Hldgs Corp generated $47.1M in revenue in fiscal year 2025. This represents an increase of 2.9% from the prior year.
National Bk Hldgs Corp reported $109.6M in net income in fiscal year 2025. This represents a decrease of 7.8% from the prior year.
National Bk Hldgs Corp earned $2.85 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 7.5% from the prior year.
Cash & Balance Sheet
National Bk Hldgs Corp held $417.1M in cash against $54.5M in long-term debt as of fiscal year 2025.
National Bk Hldgs Corp paid $1.20 per share in dividends in fiscal year 2025. This represents an increase of 7.1% from the prior year.
National Bk Hldgs Corp had 38M shares outstanding in fiscal year 2025. This represents a decrease of 0.7% from the prior year.
Margins & Returns
National Bk Hldgs Corp's net profit margin was 232.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 26.8 percentage points from the prior year.
National Bk Hldgs Corp's ROE was 7.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.2 percentage points from the prior year.
Capital Allocation
National Bk Hldgs Corp spent $15.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
NBHC Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $13.9M+23.5% | $11.3M+1.8% | $11.1M+2.4% | $10.8M-3.2% | $11.2M-7.7% | $12.1M+5.3% | $11.5M+4.5% | $11.0M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $38.4M+1.8% | $37.8M+0.1% | $37.7M+9.8% | $34.4M-3.1% | $35.5M-5.0% | $37.3M+1.1% | $36.9M+1.1% | $36.5M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $40.1M-8.8% | $44.0M+0.5% | $43.8M+1.2% | $43.3M-5.8% | $46.0M-8.7% | $50.4M+3.0% | $48.9M+2.5% | $47.7M |
| Income Tax | $3.1M-61.1% | $7.9M+4.5% | $7.5M+33.9% | $5.6M-14.1% | $6.5M-3.5% | $6.8M+20.6% | $5.6M-25.1% | $7.5M |
| Net Income | $16.0M-54.6% | $35.3M+3.7% | $34.0M+40.4% | $24.2M-14.0% | $28.2M-14.9% | $33.1M+26.7% | $26.1M-16.7% | $31.4M |
| EPS (Diluted) | N/A | $0.92+4.5% | $0.88+39.7% | $0.63 | N/A | $0.86+26.5% | $0.68-17.1% | $0.82 |
NBHC Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $9.9B-2.7% | $10.2B+1.5% | $10.0B-1.0% | $10.1B+3.0% | $9.8B-1.9% | $10.0B+0.2% | $10.0B0.0% | $10.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $417.1M-24.9% | $555.6M+87.4% | $296.5M+20.4% | $246.3M+92.6% | $127.8M-29.3% | $180.8M+24.7% | $145.0M-50.5% | $292.9M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $306.0M0.0% | $306.0M0.0% | $306.0M0.0% | $306.0M0.0% | $306.0M0.0% | $306.0M0.0% | $306.0M0.0% | $306.0M |
| Total Liabilities | $8.5B-3.2% | $8.8B+1.5% | $8.6B-1.4% | $8.8B+3.1% | $8.5B-2.3% | $8.7B-0.3% | $8.7B-0.1% | $8.7B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $54.5M-0.4% | $54.7M+0.7% | $54.4M-0.4% | $54.6M+0.1% | $54.5M+0.1% | $54.4M+0.1% | $54.4M+0.1% | $54.3M |
| Total Equity | $1.4B+0.7% | $1.4B+1.7% | $1.4B+1.7% | $1.3B+1.9% | $1.3B+1.0% | $1.3B+3.6% | $1.2B+1.3% | $1.2B |
| Retained Earnings | $572.5M+0.7% | $568.3M+4.4% | $544.4M+4.3% | $521.9M+2.6% | $508.9M+3.5% | $491.8M+4.7% | $469.6M+3.4% | $454.2M |
NBHC Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $38.1M-27.4% | $52.4M+62.0% | $32.3M-18.4% | $39.6M-14.7% | $46.4M-1.1% | $47.0M+47.1% | $31.9M+6.5% | $30.0M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | $20.6M-90.0% | $206.7M+138.3% | $86.7M+168.0% | -$127.5M-205.9% | $120.4M+237.1% | -$87.8M-42.6% | -$61.5M-165.7% | $93.6M |
| Financing Cash Flow | -$197.1M-1095244.4% | $18K+100.0% | -$68.9M-133.4% | $206.3M+193.9% | -$219.7M-386.8% | $76.6M+164.8% | -$118.3M-415.1% | -$23.0M |
| Dividends Paid | $11.8M+3.1% | $11.4M-0.7% | $11.5M+2.1% | $11.3M+1.5% | $11.1M+3.6% | $10.7M-0.6% | $10.8M+4.7% | $10.3M |
| Share Buybacks | $2.1M-75.8% | $8.8M | N/A | N/A | N/A | N/A | N/A | N/A |
NBHC Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 115.2%-197.8pp | 312.9%+5.8pp | 307.1%+83.2pp | 223.9%-28.3pp | 252.2%-21.1pp | 273.3%+46.0pp | 227.3%-57.9pp | 285.2% |
| Return on Equity | 1.2%-1.4pp | 2.6%+0.1pp | 2.5%+0.7pp | 1.8%-0.3pp | 2.2%-0.4pp | 2.6%+0.5pp | 2.1%-0.5pp | 2.5% |
| Return on Assets | 0.2%-0.2pp | 0.4%+0.0pp | 0.3%+0.1pp | 0.2%-0.1pp | 0.3%-0.0pp | 0.3%+0.1pp | 0.3%-0.1pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.040.0 | 0.040.0 | 0.040.0 | 0.040.0 | 0.040.0 | 0.040.0 | 0.040.0 | 0.04 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
What is National Bk Hldgs Corp's annual revenue?
National Bk Hldgs Corp (NBHC) reported $47.1M in total revenue for fiscal year 2025. This represents a 2.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is National Bk Hldgs Corp's revenue growing?
National Bk Hldgs Corp (NBHC) revenue grew by 2.9% year-over-year, from $45.8M to $47.1M in fiscal year 2025.
Is National Bk Hldgs Corp profitable?
Yes, National Bk Hldgs Corp (NBHC) reported a net income of $109.6M in fiscal year 2025, with a net profit margin of 232.6%.
How much debt does National Bk Hldgs Corp have?
As of fiscal year 2025, National Bk Hldgs Corp (NBHC) had $417.1M in cash and equivalents against $54.5M in long-term debt.
What is National Bk Hldgs Corp's net profit margin?
National Bk Hldgs Corp (NBHC) had a net profit margin of 232.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does National Bk Hldgs Corp pay dividends?
Yes, National Bk Hldgs Corp (NBHC) paid $1.20 per share in dividends during fiscal year 2025.
What is National Bk Hldgs Corp's return on equity (ROE)?
National Bk Hldgs Corp (NBHC) has a return on equity of 7.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is National Bk Hldgs Corp's operating cash flow?
National Bk Hldgs Corp (NBHC) generated $162.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are National Bk Hldgs Corp's total assets?
National Bk Hldgs Corp (NBHC) had $9.9B in total assets as of fiscal year 2025, including both current and long-term assets.
What is National Bk Hldgs Corp's debt-to-equity ratio?
National Bk Hldgs Corp (NBHC) had a debt-to-equity ratio of 0.04 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is National Bk Hldgs Corp's return on assets (ROA)?
National Bk Hldgs Corp (NBHC) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is National Bk Hldgs Corp's Piotroski F-Score?
National Bk Hldgs Corp (NBHC) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are National Bk Hldgs Corp's earnings high quality?
National Bk Hldgs Corp (NBHC) has an earnings quality ratio of 1.48x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is National Bk Hldgs Corp?
National Bk Hldgs Corp (NBHC) scores 27 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.