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National Bank Holdings NBHC Provision for Credit Losses

Provision for Credit Losses at other companies

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$11.11M+153%

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:ProvisionForLoanLeaseAndOtherLosses.

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 itemFor the six months ended June 30, 2026For the six months ended June 30, 2025
Cash flows from operating activities:
Net income$47,283$58,253
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit loss expense5,50010,200
Depreciation and amortization20,09912,247
Change in current income tax receivable(4,041)208
Change in deferred income taxes(3,498)8,456
Discount accretion, net of premium amortization on securities(2,319)(1,170)

Item 1. Financial Statements (Unaudited)

FAQ

What is National Bank Holdings's provision for credit losses?
National Bank Holdings (NBHC) reported provision for credit losses of $1.5M in Q2 2026.
What is the long-term trend for National Bank Holdings's provision for credit losses?
Over 2 years (2021 to 2023), National Bank Holdings's provision for credit losses has grown at a -6.2% compound annual growth rate (CAGR), from -$9.43M to $8.3M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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