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Year four at other companies

International Bancshares logo
International BancsharesIBOC
$1.71B+42.5%
Center Bancorp logo
Center BancorpCNOB
$523.55M
BOK Financial logo
BOK FinancialBOKF
Customers Bancorp logo
Customers BancorpCUBI
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC

Other financials

Income statement

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Revenue$126.8M+24.2%
Net income$20.8M-14.2%
EPS (diluted)$0.46-27.0%

Balance sheet

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Cash & equivalents$472.8M+92.0%
Total debt$202.1M+270%
Total equity$1.7B+25.2%
Total assets$12.6B+24.9%

Cash flow

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Operating cash flow-$56.8M-243%
CapEx$5.5M-46.0%
Free cash flow-$62.3M-312%

Valuation

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Market cap$1.97B+20.9%
Enterprise value$1.7B+17.8%
P/E18.6×+4.0×
P/S4.5×+0.5×

Profitability

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Net margin24.1%-3.4pp
FCF margin9.2%-21.6pp

Returns & leverage

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Return on equity7.1%-1.6pp
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:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear.

The official record: National Bank Holdings’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is National Bank Holdings's year four?
National Bank Holdings (NBHC) reported year four of $812.1M in Q1 2026.
How has National Bank Holdings's year four changed year-over-year?
National Bank Holdings's year four decreased by 54.2% year-over-year, from $1.77B to $812.1M.
What is the long-term trend for National Bank Holdings's year four?
Over 3 years (2022 to 2025), National Bank Holdings's year four has grown at a 41.4% compound annual growth rate (CAGR), from $524.3M to $1.48B.
What does year four mean?
This represents the portion of financing receivables, excluding accrued interest, that is scheduled to mature or be repaid in the fourth year. It provides insight into the bank's long-term lending commitments and the timing of expected capital recovery. This helps investors understand the bank's exposure to long-dated credit risk.