NYSE$NBHC

National Bank Holdings Corporation · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

National Bank Holdings reported Q1 2025 revenue of $130.0M, net income of $24.2M, diluted EPS of $0.63.

For Q1 2025, National Bank Holdings reported Revenue was $130.0M, net income was $24.2M, diluted EPS was $0.63. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $130.0M for Q1 2025.
  • Net income $24.2M.
  • Diluted EPS $0.63.

Headline financials

Total Revenue

$10.8M

Previous: $11M-1.7%
EPS (adj)

$0.63

Previous: $0.82-23.2%
Net Interest Margin

3.9%

Previous: 3.8%+4.0%
Return on Avg. Assets

1.0%

Previous: 1.3%-22.7%
Return on Avg. Tangible Assets

1.1%

Previous: 1.4%-21.6%
Return on Avg. Equity

7.4%

Previous: 10.3%-28.0%
Return on Tangible Common Equity

10.6%

Previous: 15.1%-29.7%
Loan to Deposit Ratio

90.8%

Previous: 88.9%+2.1%
Non-interest Deposits to Total

26.3%

Previous: 26.9%-2.3%
Efficiency Ratio

60.8%

Previous: 61.8%-1.6%
CET1 Capital Ratio

13.6%

Previous: 12.3%+10.2%
Total Risk-Based Capital Ratio

15.5%

Previous: 14.3%+8.3%
Net Charge-Offs to Loans

0.8%

Previous: 0.0%
Non-performing Loans to Total

0.5%

Previous: 0.5%-4.3%
Effective Tax Rate

18.8%

Previous: 19.3%-2.6%
Net Income

$24.2M

Previous: $31.4M-22.8%
Operating Income

$40.1M

Previous: -$55.6M+172.1%

Revenue & EPS history

NBHC · Revenue · Quarterly

$10.8M

Q1 2025-1.7%vs Q1 2024
Beat estimate in 5 of 15 quarters(33%)
ActualEstimate

Forward guidance

Regional bank outlook cites net interest margin, credit quality, and deposit costs.

Tailwinds

  • Loan growth and fee income diversification.
  • Capital ratios and dividend capacity.

Headwinds

  • Deposit beta and funding cost pressure.
  • Commercial real estate and credit provisioning.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+0.7%

Avg return

Earnings day

+1.1%

Avg return

5 days after

+3.2%

Avg return

30 days after

41%

26 / 64 earnings

Positive

+9.3%

Q1 2019

Best reaction

-6.3%

Q4 2019

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.4%+2.5%-0.4%
Q4 2025-0.5%+1.4%-0.2%
Q3 2025+2.4%+0.5%-0.1%
Q1 2025-6.2%-2.1%-0.2%
Q4 2024-3.0%-1.5%-3.7%
Q3 2024+8.9%+8.7%+16.7%
Q2 2024-5.7%-6.6%-4.0%
Q1 2024-2.6%-4.9%+7.5%
Q4 2023+0.6%+2.9%-6.9%
Q3 2023+8.0%+7.4%+14.6%
Q2 2023-3.4%-3.2%-6.3%
Q1 2023-5.5%-8.2%-9.0%
Q4 2022-1.7%-1.6%-3.8%
Q3 2022+8.4%+9.0%+20.1%
Q2 2022+3.1%+2.3%+8.2%
Q1 2022+3.3%-0.4%+0.3%
Q4 2021+7.9%+6.5%+4.0%
Q3 2021+4.5%+6.4%+9.7%
Q2 2021-0.4%-1.0%+2.6%
Q1 2021+5.1%+5.1%+6.7%
Q4 2020+0.8%-4.2%+3.4%
Q3 2020+6.7%+5.0%+8.2%
Q2 2020+4.2%+1.9%+4.1%
Q1 2020+0.8%+13.0%+10.0%
Q4 2019-6.3%-8.2%-5.3%
Q3 2019-3.3%-5.0%-3.5%
Q2 2019+4.5%+8.7%-1.9%
Q1 2019+9.3%+9.9%+6.0%
Q4 2018-2.3%-2.4%+9.4%
Q3 2018-5.9%-4.6%+4.2%
Q2 2018+1.1%+2.4%+3.9%
Q1 2018+0.5%+2.5%+13.3%
Q4 2017-2.3%-3.3%-1.5%
Q3 2017-2.9%-7.5%-9.3%
Q2 2017-1.4%+1.2%-5.3%
Q1 2017-0.4%+2.3%-2.1%
Q4 2016+4.9%+2.5%+4.3%
Q3 2016+6.1%+5.7%+19.5%
Q2 2016-1.2%-1.6%+11.5%
Q1 2016-4.1%
Q4 2015+2.3%
Q3 2015+8.1%
Q2 2015-1.1%
Q1 2015-0.1%
Q4 2014+3.3%
Q3 2014-1.4%
Q2 2014+2.7%
Q1 2014-1.8%
Q4 2013-1.9%
Q3 2013+3.2%
Q2 2013-0.5%
Q1 2012+1.7%
Q1 2013-0.7%
Q1 2010-0.1%
Q2 2011-0.1%
Q4 2011-0.1%
Q4 2010-0.1%
Q2 2012-0.1%
Q3 2010-0.1%
Q2 2010-0.1%
Q1 2011-0.1%
Q4 2012-0.6%
Q3 2012-0.3%
Q3 2011-0.3%

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