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Year one at other companies

Customers Bancorp logo
Customers BancorpCUBI
$2.36B+14.9%
International Bancshares logo
International BancsharesIBOC
$1.96B-8.0%
Heritage Financial logo
Heritage FinancialHFWA
$242.05M+9.1%
Red River Bancshares, Inc. logo
Red River Bancshares, Inc.RRBI
$249.48M+25.0%
BOK Financial logo
BOK FinancialBOKF

Other financials

Income statement

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Revenue$129.1M+23.5%
Net income$26.5M-22.1%
EPS (diluted)$0.58-34.1%

Balance sheet

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Cash & equivalents$380.7M+28.4%
Total debt$202.0M+271%
Total equity$1.7B+23.4%
Total assets$12.6B+25.9%

Cash flow

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Operating cash flow$135.1M+318%
CapEx$4.1M-29.1%
Free cash flow$131.0M+394%

Valuation

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Market cap$1.91B+38.2%
Enterprise value$1.73B+51.8%
P/E19.4×+7.8×
P/S4.1×+0.8×

Profitability

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Net margin21.2%-7.7pp
FCF margin31.2%-1.1pp

Returns & leverage

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Return on equity6.5%-2.7pp
Debt / equity0.1×+0.1×

Where this comes from

Reported directly by National Bank Holdings in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear.

The source filing: National Bank Holdings’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 5:20 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-091272
Line itemOrigination year / 2026Origination year / 2025Origination year / 2024Origination year / 2023Origination year / 2022Origination year / PriorRevolving / loans / amortized / cost basisRevolving / loans / converted / to termTotal
Gross charge-offs: Residential real estate245276
Consumer:
Pass3,3372,6101,3869164083825,5208814,647
Substandard8816
Total consumer3,3372,6181,3949164083825,5208814,663
Gross charge-offs: Consumer35731848426
Total loans$1,256,292$1,541,088$1,161,879$734,485$1,509,135$2,443,417$1,112,777$14,979$9,774,052
Gross charge-offs: Total loans$357$3$2,653$4,316$1,290$5,646$14,265

Item 1. Financial Statements (Unaudited)

FAQ

What is National Bank Holdings's year one?
National Bank Holdings (NBHC) reported year one of $1.26B in Q2 2026.
How has National Bank Holdings's year one changed year-over-year?
National Bank Holdings's year one increased by 274.7% year-over-year, from $335.27M to $1.26B.
What is the long-term trend for National Bank Holdings's year one?
Over 3 years (2022 to 2025), National Bank Holdings's year one has grown at a -15.3% compound annual growth rate (CAGR), from $1.81B to $1.1B.
What does year one mean?
This represents the portion of financing receivables, excluding accrued interest, that is scheduled to mature or be repaid within the first year. It provides visibility into the short-term liquidity profile of the loan portfolio and the expected cash inflows from lending activities. Investors use this to evaluate the bank's near-term asset turnover and liquidity management.

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