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National Bank Holdings NBHC Q4 2025 Annual earnings

Reported January 27, 2026 · After market close

Revenue$100.6MMiss by $6.8M
EPS$0.60Miss by $0.27
Revenue estimate$107.5M
EPS estimate$0.87

Next report

Oct 20, 2026 (in 3 months)
Revenue estimate$136.2M
EPS estimate$0.87

Financials

Q4 2025

Income statement

See full
Revenue$100.6M-0.6%
Net income$16.0M-43.1%
EPS (diluted)$0.42-41.7%

Balance sheet

See full
Cash & equivalents$417.1M+226%
Total debt$84.0M+0.7%
Total equity$1.4B+6.1%
Total assets$9.9B+0.8%

Cash flow

See full
Operating cash flow$38.1M-18.0%
CapEx$8.0M-2.5%
Free cash flow$30.0M-21.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.44B-12.2%
Enterprise value$1.1B-30.6%
P/E13.1×-0.7×
P/S3.5×-0.6×

Profitability

See full
Net margin26.3%-2.9pp
FCF margin31.8%+2.2pp

Returns & leverage

See full
Return on equity8.1%-1.3pp
Debt / equity0.1×0.0×

Segments

By product

See full
Bank Servicing Charges And Other Fees$8.1M+51.4%
Credit And Debit Card$4.4M-6.0%
Other Non Interest Income$1.4M+3.4%

Versus estimates

Revenue

Q2 2026$129.1MMiss by $6.0MQ1 2026$126.8MMiss by $4.4M
Q4 2025$100.6MMiss by $6.8M
Q4 2024$100.0MMiss by $9.0MQ1 2024$100.4MMiss by $6.1M

Diluted EPS

Q2 2026$0.78Miss by $0.03Q1 2026$0.72Beat by $0.13
Q4 2025$0.60Miss by $0.27
Q4 2024$0.86Beat by $0.07Q1 2024$0.82Beat by $0.06

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Questions, answered.

When did National Bank Holdings report Q4 2025 earnings?
National Bank Holdings (NBHC) reported Q4 2025 earnings on January 27, 2026 after market close.
What were National Bank Holdings's Q4 2025 revenue and EPS?
National Bank Holdings reported revenue of $100.6M and eps of $0.60 for Q4 2025.
Did National Bank Holdings beat estimates in Q4 2025?
Revenue missed the consensus estimate of $107.5M by $6.8M. EPS missed the consensus estimate of $0.87 by $0.27.
How did National Bank Holdings's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 0.7% from $100.0M a year earlier and eps declined 30.2% from $0.86.
Where can I find National Bank Holdings's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001475841-26-000003) and the 10-K periodic report (0001104659-26-019119) directly on SEC EDGAR. The filing index links above go to sec.gov.