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National Bank Holdings Earnings Calls
| Release date | Oct 21, 2025 |
| EPS estimate | $0.90 |
| EPS actual | $0.96 |
| EPS Surprise | 6.67% |
| Revenue estimate | 108.175M |
| Revenue actual | 107.858M |
| Revenue Surprise | -0.293% |
| Release date | Jul 22, 2025 |
| EPS estimate | $0.82 |
| EPS actual | $0.88 |
| EPS Surprise | 7.32% |
| Revenue estimate | 111.841M |
| Revenue actual | 103.207M |
| Revenue Surprise | -7.72% |
| Release date | Apr 22, 2025 |
| EPS estimate | $0.760 |
| EPS actual | $0.630 |
| EPS Surprise | -17.11% |
| Revenue estimate | 110.86M |
| Revenue actual | 100.964M |
| Revenue Surprise | -8.93% |
| Release date | Jan 22, 2025 |
| EPS estimate | $0.790 |
| EPS actual | $0.86 |
| EPS Surprise | 8.86% |
| Revenue estimate | 109.002M |
| Revenue actual | 99.981M |
| Revenue Surprise | -8.28% |
Last 4 Quarters for National Bank Holdings
Below you can see how NBHC performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 22, 2025 |
| Price on release | $43.56 |
| EPS estimate | $0.790 |
| EPS actual | $0.86 |
| EPS surprise | 8.86% |
| Date | Price |
|---|---|
| Jan 15, 2025 | $44.02 |
| Jan 16, 2025 | $43.68 |
| Jan 17, 2025 | $44.09 |
| Jan 21, 2025 | $44.09 |
| Jan 22, 2025 | $43.56 |
| Jan 23, 2025 | $42.24 |
| Jan 24, 2025 | $42.45 |
| Jan 27, 2025 | $42.64 |
| Jan 28, 2025 | $42.90 |
| 4 days before | -1.04% |
| 4 days after | -1.52% |
| On release day | -3.03% |
| Change in period | -2.54% |
| Release date | Apr 22, 2025 |
| Price on release | $36.62 |
| EPS estimate | $0.760 |
| EPS actual | $0.630 |
| EPS surprise | -17.11% |
| Date | Price |
|---|---|
| Apr 15, 2025 | $35.11 |
| Apr 16, 2025 | $35.25 |
| Apr 17, 2025 | $35.55 |
| Apr 21, 2025 | $35.74 |
| Apr 22, 2025 | $36.62 |
| Apr 23, 2025 | $34.34 |
| Apr 24, 2025 | $35.40 |
| Apr 25, 2025 | $35.33 |
| Apr 28, 2025 | $35.86 |
| 4 days before | 4.30% |
| 4 days after | -2.08% |
| On release day | -6.23% |
| Change in period | 2.14% |
| Release date | Jul 22, 2025 |
| Price on release | $39.21 |
| EPS estimate | $0.82 |
| EPS actual | $0.88 |
| EPS surprise | 7.32% |
| Date | Price |
|---|---|
| Jul 16, 2025 | $39.45 |
| Jul 17, 2025 | $40.05 |
| Jul 18, 2025 | $39.71 |
| Jul 21, 2025 | $39.63 |
| Jul 22, 2025 | $39.21 |
| Jul 23, 2025 | $40.30 |
| Jul 24, 2025 | $39.49 |
| Jul 25, 2025 | $39.28 |
| Jul 28, 2025 | $39.08 |
| 4 days before | -0.608% |
| 4 days after | -0.332% |
| On release day | 2.78% |
| Change in period | -0.94% |
| Release date | Oct 21, 2025 |
| Price on release | $37.01 |
| EPS estimate | $0.90 |
| EPS actual | $0.96 |
| EPS surprise | 6.67% |
| Date | Price |
|---|---|
| Oct 15, 2025 | $37.93 |
| Oct 16, 2025 | $35.61 |
| Oct 17, 2025 | $36.37 |
| Oct 20, 2025 | $36.88 |
| Oct 21, 2025 | $37.01 |
| Oct 22, 2025 | $37.86 |
| Oct 23, 2025 | $36.73 |
| Oct 24, 2025 | $37.50 |
| Oct 27, 2025 | $37.20 |
| 4 days before | -2.43% |
| 4 days after | 0.513% |
| On release day | 2.30% |
| Change in period | -1.92% |
National Bank Holdings Earnings Call Transcript Summary of Q3 2025
National Bank Holdings (NBH) reported solid Q3 2025 results: adjusted EPS of $0.96 and adjusted ROTCE of 14.7% while maintaining strong capital (TCE 10.6%, CET1 14.7%). Net interest margin was 3.98% (projected to remain in the mid-3.9s for the remainder of 2025, not assuming further Fed moves). Loan fundings accelerated to $421M in the quarter (YTD fundings $1.0B) driven by C&I, but portfolio balances were muted by large CRE payoffs as temporary/construction loans moved to permanent financing (estimated $100–$150M headwind). Credit trends improved: nonperforming loans fell to $27M and NPL ratio declined to 36 bps; allowance remained about 1.2% (plus $18M marks on acquired loans). Deposits were stable to modestly up (end-of-quarter +$202M), cost of deposits 2.08%, and management expects deposit cost relief after recent Fed cuts and is prepared to reduce deposit rates. Noninterest income rose (including $3.5M fintech gains); guidance for Q4 noninterest income is $15–$17M. NBH launched 2UniFi during the quarter; Q3 included $6.2M of 2UniFi expense and Q4 run-rate 2UniFi expense is expected to be $7–$9M (marketing and variable onboarding costs anticipated). Noninterest expense in Q3 was $67.2M (includes $1.7M acquisition expenses); core noninterest expense guidance for remainder of year is $64–$66M (ex-acquisition). NBH announced a planned merger with Vista Bancshares (on track to close in Q1), expects meaningful strategic / product synergies (treasury, trust, wealth), and is actively pursuing additional M&A opportunities. Share repurchases in Q3 totaled $8.9M (240K shares); $35–36M buyback authorization remains. Management signaled continued discipline on loan and deposit pricing and expects improved loan growth in Q4 assuming current market behavior.
