National Bank Holdings

Financial Services banks holding company lending

National Bank Holdings provides banking products and financial services to commercial and consumer clients. The Company offers traditional depository products, including commercial and consumer checking accounts, non-interest-bearing demand accounts, money market deposit accounts, savings accounts, and time deposit accounts; and cash management services, such as account reconciliation, collections, and sweep accounts.

Market capitalization(2018-04-18)

$919.4 M

Total Loans(Q2, 2017)

$3.1 B

Type

Public

Greenwood Village, US

Founded

2009

Size (employees)

1,155 (est)

Website

nbhbank.com

National Bank Holdings was founded in 2009 and is headquartered in Greenwood Village, US

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National Bank Holdings Office Locations

National Bank Holdings has an office in Greenwood Village

Greenwood Village, US (HQ)

300 7800 E Orchard Rd

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National Bank Holdings Financials and Metrics

National Bank Holdings Financials

National Bank Holdings's revenue was reported to be $200.48 m in FY, 2016 which is a 4% increase from the previous period.

Summary

USD
Net income (FY, 2017)	14.6 m
EBIT (FY, 2017)	133.3 m
Market capitalization (18-Apr-2018)	919.4 m
Cash (31-Dec-2017)	257.4 m
EV	791.2 m

National Bank Holdings's current market capitalization is $919.4 m.

Source: SEC Filings

Income Statement

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Revenue	195.5 m	183 m	192.9 m	200.5 m
Revenue growth, %		(6%)	5%	4%
Cost of goods sold				14.8 m	18.1 m
Gross profit				185.7 m

Quarterly

USD	Q3, 2013	Q1, 2014	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017
Cost of goods sold	4 m	3.5 m	3.6 m	3.6 m	3.6 m	3.7 m	3.6 m	3.5 m	3.7 m	3.7 m	4 m	4.4 m
Sales and marketing expense	22.6 m	20.8 m	20.4 m	21.1 m	20.1 m	21.2 m	20.5 m	20.6 m	19.6 m	20.1 m	20.4 m	19.9 m
General and administrative expense	6.6 m	6.5 m	6.2 m	6.2 m	6.1 m	6.1 m	6.1 m	6.1 m	5.7 m	5.7 m	5.4 m	5.2 m
Operating expense total	46.6 m	39 m	39.9 m	38 m	36.7 m	40.4 m	38.7 m	34.9 m	33.3 m	33.4 m	34.6 m	33.4 m

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Source: SEC Filings

Balance Sheet

Annual

USD	FY, 2015	FY, 2016	FY, 2017
Cash	166.1 m	152.7 m	257.4 m
Accounts Receivable
Inventories		2.9 b	3.2 b
PP&E	103.1 m	95.7 m	93.7 m

Quarterly

USD	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017
Cash	242.4 m	153.2 m	193.6 m	147.9 m	125 m	218.4 m	129.8 m	241.2 m
Inventories	2.3 b	2.5 b	2.6 b	2.7 b	2.8 b	3 b	3.1 b
PP&E	102.2 m	104.5 m	102.6 m	98.6 m	96.9 m	94.5 m	92.3 m
Goodwill	59.6 m	59.6 m	59.6 m	59.6 m	59.6 m	59.6 m	59.6 m	59.6 m

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Cash Flow

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Net Income	6.9 m	9.2 m	4.9 m	23.1 m	14.6 m
Depreciation and Amortization			15.5 m	14.2 m	12.9 m
Inventories
Accounts Payable

Quarterly

USD	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017
Net Income	2.1 m	3.3 m	1.2 m	(95 k)	1.5 m	251 k	4.8 m	13.1 m	8.3 m	17.5 m	7.2 m
Depreciation and Amortization				7.8 m	11.6 m	3.8 m	7.4 m	10.9 m	3.3 m	6.6 m
Cash From Operating Activities				(22.8 m)	(15.2 m)	7.1 m	26.5 m	27.1 m		34.6 m	38.7 m
Cash From Investing Activities				34.5 m	77.4 m	95.1 m	41.8 m	51.2 m	(84.9 m)	(155.2 m)	(108.2 m)

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Ratios

USD	Y, 2017
EV/EBIT	5.9 x
EV/CFO	13.6 x
Financial Leverage	9.1 x

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National Bank Holdings Operating Metrics

National Bank Holdings's Total Loans was reported to be $3.1b in Q2, 2017.

	FY, 2014	Q1, 2015	Q2, 2015	Q3, 2015	FY, 2015	Q1, 2016	Q2, 2016	Q3, 2016	FY, 2016	Q1, 2017	Q2, 2017
ATMs	106				106				112
Non-accrual Loans	$3.84 m	$4.91 m	$9.69 m	$7.29 m	$7.85 m	$26.78 m	$24.38 m	$10.43 m	$14.01 m	$8.64 m	$10.77 m
Non-performing Loans	$10.81 m	$11.36 m	$15.08 m	$28.65 m	$25.65 m	$45.08 m	$37.43 m	$22.48 m	$30.72 m	$33.72 m	$32.46 m
Total Loans	$2.16 b	$2.22 b	$2.33 b	$2.52 b	$2.59 b	$2.59 b	$2.74 b	$2.82 b	$2.86 b	$2.95 b	$3.09 b