NATIONAL BANK HOLD-CL A(NYSE:NBHC) stock Fundamental Analysis

Fundamental Rating

NBHC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. NBHC has an average financial health and profitability rating. NBHC does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year NBHC was profitable.

In the past year NBHC had a positive cash flow from operations.

Each year in the past 5 years NBHC has been profitable.

NBHC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

NBHC's Return On Assets of 1.24% is amongst the best of the industry. NBHC outperforms 80.90% of its industry peers.

NBHC's Return On Equity of 9.55% is fine compared to the rest of the industry. NBHC outperforms 66.58% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.24%
ROE	9.55%
ROIC	N/A

ROA(3y)1.15%

ROA(5y)1.23%

ROE(3y)9.78%

ROE(5y)10.12%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 30.04%, NBHC belongs to the top of the industry, outperforming 84.67% of the companies in the same industry.

NBHC's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for NBHC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	30.04%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y7.83%

PM growth 5Y7.78%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NBHC does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for NBHC has been increased compared to 1 year ago.

Compared to 5 years ago, NBHC has more shares outstanding

The debt/assets ratio for NBHC has been reduced compared to a year ago.

2.2 Solvency

NBHC has a debt to FCF ratio of 0.64. This is a very positive value and a sign of high solvency as it would only need 0.64 years to pay back of all of its debts.

With an excellent Debt to FCF ratio value of 0.64, NBHC belongs to the best of the industry, outperforming 82.91% of the companies in the same industry.

A Debt/Equity ratio of 0.06 indicates that NBHC is not too dependend on debt financing.

The Debt to Equity ratio of NBHC (0.06) is better than 81.16% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.64
Altman-Z	N/A

ROIC/WACCN/A

WACC12.16%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for NBHC have decreased strongly by -14.10% in the last year.

NBHC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.38% yearly.

Looking at the last year, NBHC shows a decrease in Revenue. The Revenue has decreased by -4.34% in the last year.

NBHC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.69% yearly.

EPS 1Y (TTM)-14.1%

EPS 3Y8.53%

EPS 5Y11.38%

EPS Q2Q%-8.51%

Revenue 1Y (TTM)-4.34%

Revenue growth 3Y8.52%

Revenue growth 5Y9.69%

Sales Q2Q%-0.79%

3.2 Future

NBHC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.03% yearly.

Based on estimates for the next years, NBHC will show a small growth in Revenue. The Revenue will grow by 3.74% on average per year.

EPS Next Y-13.67%

EPS Next 2Y-4.68%

EPS Next 3Y0.03%

EPS Next 5YN/A

Revenue Next Year-2.58%

Revenue Next 2Y1.97%

Revenue Next 3Y3.74%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

NBHC is valuated correctly with a Price/Earnings ratio of 13.48.

The rest of the industry has a similar Price/Earnings ratio as NBHC.

NBHC is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.

NBHC is valuated correctly with a Price/Forward Earnings ratio of 12.88.

Compared to the rest of the industry, the Price/Forward Earnings ratio of NBHC is on the same level as its industry peers.

NBHC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.44.

		Industry Rank	Sector Rank
PE	13.48
Fwd PE	12.88

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of NBHC is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	14.4
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.18

EPS Next 2Y-4.68%

EPS Next 3Y0.03%

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5. Dividend

5.1 Amount

NBHC has a Yearly Dividend Yield of 2.66%. Purely for dividend investing, there may be better candidates out there.

NBHC's Dividend Yield is comparable with the industry average which is at 3.22.

NBHC's Dividend Yield is comparable with the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	2.66%

5.2 History

The dividend of NBHC is nicely growing with an annual growth rate of 12.82%!

NBHC has been paying a dividend for at least 10 years, so it has a reliable track record.

NBHC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)12.82%

Div Incr Years9

Div Non Decr Years12

5.3 Sustainability

34.08% of the earnings are spent on dividend by NBHC. This is a low number and sustainable payout ratio.

NBHC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP34.08%

EPS Next 2Y-4.68%

EPS Next 3Y0.03%

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NATIONAL BANK HOLD-CL A

NYSE:NBHC (1/22/2025, 11:31:33 AM)

43.55

-0.54 (-1.22%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-22 2024-10-22/amc

Earnings (Next)01-22 2025-01-22/amc

Inst Owners99.8%

Inst Owner Change0.05%

Ins Owners2.27%

Ins Owner Change-1.23%

Market Cap1.66B

Analysts76.36

Price Target52.63 (20.85%)

Short Float %1.68%

Short Ratio2.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.66%

Yearly Dividend1.05

Dividend Growth(5Y)12.82%

DP34.08%

Div Incr Years9

Div Non Decr Years12

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)1.51%

Min EPS beat(2)-10.01%

Max EPS beat(2)13.02%

EPS beat(4)3

Avg EPS beat(4)3.16%

Min EPS beat(4)-10.01%

Max EPS beat(4)13.02%

EPS beat(8)6

Avg EPS beat(8)3.17%

EPS beat(12)9

Avg EPS beat(12)6.12%

EPS beat(16)13

Avg EPS beat(16)8.25%

Revenue beat(2)1

Avg Revenue beat(2)-2.16%

Min Revenue beat(2)-5.43%

Max Revenue beat(2)1.1%

Revenue beat(4)2

Avg Revenue beat(4)-1.36%

Min Revenue beat(4)-5.43%

Max Revenue beat(4)1.12%

Revenue beat(8)2

Avg Revenue beat(8)-2.18%

Revenue beat(12)4

Avg Revenue beat(12)-1.65%

Revenue beat(16)7

Avg Revenue beat(16)-1.35%

PT rev (1m)2.38%

PT rev (3m)8.4%

EPS NQ rev (1m)0%

EPS NQ rev (3m)1.92%

EPS NY rev (1m)0%

EPS NY rev (3m)4.88%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.17%

Revenue NY rev (1m)0.01%

Revenue NY rev (3m)1.1%

Valuation

		Industry Rank	Sector Rank
PE	13.48
Fwd PE	12.88
P/S	4.03
P/FCF	14.4
P/OCF	10.79
P/B	1.28
P/tB	1.79
EV/EBITDA	N/A

EPS(TTM)3.23

EY7.42%

EPS(NY)3.38

Fwd EY7.76%

FCF(TTM)3.02

FCFY6.95%

OCF(TTM)4.04

OCFY9.27%

SpS10.81

BVpS33.99

TBVpS24.35

PEG (NY)N/A

PEG (5Y)1.18

Profitability

		Industry Rank	Sector Rank
ROA	1.24%
ROE	9.55%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	30.04%
GM	N/A
FCFM	27.98%

ROA(3y)1.15%

ROA(5y)1.23%

ROE(3y)9.78%

ROE(5y)10.12%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y7.83%

PM growth 5Y7.78%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.64
Debt/EBITDA	N/A
Cap/Depr	158.91%
Cap/Sales	9.37%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	93.13%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC12.16%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)189.37%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-14.1%

EPS 3Y8.53%

EPS 5Y11.38%

EPS Q2Q%-8.51%

EPS Next Y-13.67%

EPS Next 2Y-4.68%

EPS Next 3Y0.03%

EPS Next 5YN/A

Revenue 1Y (TTM)-4.34%

Revenue growth 3Y8.52%

Revenue growth 5Y9.69%

Sales Q2Q%-0.79%

Revenue Next Year-2.58%

Revenue Next 2Y1.97%

Revenue Next 3Y3.74%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-44.14%

FCF growth 3YN/A

FCF growth 5Y14.09%

OCF growth 1Y-28.85%

OCF growth 3YN/A

OCF growth 5Y17.8%

NATIONAL BANK HOLD-CL A (NBHC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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