
NBHC Stock Forecast & Price Target
NBHC Analyst Ratings
Bulls say
National Bank Holdings Corp has demonstrated strong growth metrics, with a 21% loan compound annual growth rate (CAGR) and a 17% earnings CAGR since 2021, indicating robust demand for its banking products and services. The company's expansion strategy is further bolstered by its deepening presence in Texas, a high-growth market with projected population growth significantly outpacing the national average. Additionally, the firm is poised to achieve strong returns on tangible common equity (ROTCE) of 15%, supported by prudent capital allocation and operational efficiencies that position the bank for continued financial success.
Bears say
National Bank Holdings Corp experienced a decline in net interest margin (NIM), which fell 9 basis points quarter-over-quarter to 3.89%, indicating pressure on profitability. The bank reported a 2.3% decrease in net interest income (NII) to $86.2 million, falling short of estimates by $4.0 million, along with elevated non-performing loans (NCOs) and stagnant loan totals that contributed to a disappointing fourth quarter. Furthermore, period-end deposits saw a significant 8.5% decline, driven primarily by reductions in savings and money market balances, raising concerns about the bank's liquidity and overall financial health.
This aggregate rating is based on analysts' research of National Bank Hlds and is not a guaranteed prediction by Public.com or investment advice.
NBHC Analyst Forecast & Price Prediction
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