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Year five at other companies

Customers Bancorp logo
Customers BancorpCUBI
$2.75B+161%
International Bancshares logo
International BancsharesIBOC
$829.22M+25.2%
Heritage Financial logo
Heritage FinancialHFWA
$908.6M+52.3%
Red River Bancshares, Inc. logo
Red River Bancshares, Inc.RRBI
$331.15M-3.6%
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:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear.

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 five?
National Bank Holdings (NBHC) reported year five of $1.51B in Q2 2026.
How has National Bank Holdings's year five changed year-over-year?
National Bank Holdings's year five increased by 40.9% year-over-year, from $1.07B to $1.51B.
What is the long-term trend for National Bank Holdings's year five?
Over 3 years (2022 to 2025), National Bank Holdings's year five has grown at a 37.0% compound annual growth rate (CAGR), from $372.95M to $958M.
What does year five mean?
This represents the portion of financing receivables, excluding accrued interest, that is scheduled to mature or be repaid in the fifth year. It is a key component in evaluating the bank's long-term asset maturity schedule. Understanding these cash flow horizons is critical for assessing the bank's ability to manage interest rate risk over a five-year cycle.

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