NYSE$NBHC

National Bank Holdings Corporation · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

NBHC's earnings increased and returns remained strong.

National Bank Holdings Corporation reported a solid third quarter with a 10.8% increase in quarterly earnings, reaching $0.94 per diluted share, and an 18.38% return on average tangible common equity. Year-to-date net income increased $54.4 million, a 100% increase over the prior period, to $108.9 million, or $2.85 per diluted share.

  • Net income totaled $36.1 million, or $0.94 per diluted share, representing a 10.8% increase over the second quarter.
  • Fully taxable equivalent pre-provision net revenue totaled $48.1 million, a 9.2% increase over the second quarter.
  • Return on average tangible assets increased 13 basis points to 1.58%.
  • Return on average tangible common equity increased 114 basis points to 18.38%.

Headline financials

Total Revenue

$13M

Previous: $86.4M-85.0%
EPS (adj)

$0.94

Previous: $0.80+17.5%
Loan to Deposit Ratio

91.8%

Previous: 84.1%+9.2%
Efficiency Ratio

56.6%

No prior period
Free Cash Flow

$36.1M

Previous: $15.8M+127.8%
Net Income

$36.1M

Previous: $15.8M+127.8%
Operating Income

-$47M

Previous: $38.5M-222.0%
Gross Profit

$9.25M

Previous: $74.1M-87.5%
Cash & Equivalents

$291M

Previous: $256M+13.7%
Total Assets

$9.87B

Previous: $7.92B+24.5%
Stock-Based Comp

$1.72M

Previous: $1.49M+15.1%

Revenue & EPS history

NBHC · Revenue · Quarterly

$13M

Q3 2023-85%vs Q3 2022
Beat estimate in 5 of 15 quarters(33%)
ActualEstimate

Forward guidance

The company enters the fourth quarter from a position of strength, operating in high-performing markets with a relationship-based banking model that generates a positive impact and attractive shareholder returns, and its strong balance sheet, solid capital position, and diversified funding sources provide optionality for future growth.

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 Q3 2023

Historical avgQ3 2023

+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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