Market Price

32.30 

-1.13 -3.4%

as of Aug 23 '19

52 Week Range:

29.26 41.06


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

National Bank Holdings Corporation operates as the bank holding company for NBH Bank, N.A. that provides various banking products and financial services to commercial, business, and consumer clients in the United States. The company offers deposit products, including checking accounts, savings accounts, money market accounts, and other deposit accounts, including fixed-rate and fixed maturity time deposits. It also provides commercial and industrial loans and leases, such as working capital loans, equipment loans, lender finance loans, agriculture loans, government and non-profit loans, owner occupied commercial real estate loans, and other commercial loans and leases. The company also offers non-owner occupied commercial real estate loans consisting of loans on commercial properties, such as office buildings, warehouse/distribution buildings, and multi-family and retail buildings; and small business administration loans to support manufacturers, distributors, and service providers; term loans, line of credit, and real estate secured loans; residential real estate loans; and consumer loans. In addition, it offers treasury management solutions comprising online and mobile banking, commercial credit card, wire transfer, automated clearing house, electronic bill payment, lock box, remote deposit capture, merchant processing, cash vault, controlled disbursements, and fraud prevention services, as well as other auxiliary services, including account reconciliation, collections, repurchase accounts, zero balance accounts, and sweep accounts. As of December 31, 2018, the company operated through a network of 104 banking centers located in Colorado, the greater Kansas City area, New Mexico, and Texas. It also operates 128 ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. National Bank Holdings Corporation was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 18.82
19.13
20.87
20.84
22.96
20.80
20.46
20.84
20.47
21.87
growth rate 1.7% 9.1% -0.1% 10.2% -9.4% -1.6% 1.9% -1.8% 6.8%
Earnings BIT -1.37
9.00
69.41
4.04
0.00
12.63
8.78
26.85
37.81
growth rate 100.0% 671.2% -94.2% -100.0% -30.5% 205.9% 40.8%
Avg.PE -1,823.50
156.25
86.28
142.14
41.80
62.53
16.57
growth rate 100.0% -44.8% 64.7% -70.6% 49.6% -73.5%
ROA -0.14
0.20
0.73
-0.01
0.13
0.19
0.10
0.50
0.31
1.17
growth rate 100.0% 265.0% -100.0% 100.0% 46.2% -47.4% 400.0% -38.0% 277.4%
ROE -0.14
0.58
4.03
-0.05
0.70
1.08
0.68
3.99
2.72
10.00
growth rate 100.0% 594.8% -100.0% 100.0% 54.3% -37.0% 486.8% -31.8% 267.7%
ROIC -0.14
0.93
6.45
1.69
1.75
2.24
growth rate 100.0% 593.6% -73.8% 3.6% 28.0%
Leverage 1.00
5.14
5.83
4.96
5.47
6.07
7.58
8.53
9.10
8.17
growth rate 414.0% 13.4% -14.9% 10.3% 11.0% 24.9% 12.5% 6.7% -10.2%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 0.00
5.74
9.43
5.25
3.99
2.30
growth rate 64.2% -44.3% -24.0% -42.4%
Acct.Payable 0.00
3,766.19
3,840.68
3,868.65
3,979.56
4,535.62
growth rate 2.0% 0.7% 2.9% 14.0%
Cur.Assets 318.81
230.51
223.69
303.84
211.39
growth rate -27.7% -3.0% 35.8% -30.4%
Total Assets 1,099.90
5,105.50
6,352.03
5,410.78
4,914.10
4,819.65
4,683.91
4,573.05
4,843.47
5,676.67
growth rate 364.2% 24.4% -14.8% -9.2% -1.9% -2.8% -2.4% 5.9% 17.2%
Cash 1.70
1,514.80
3,497.64
3,064.69
189.50
256.98
166.09
152.74
257.36
109.56
growth rate 89,005.9% 130.9% -12.4% -93.8% 35.6% -35.4% -8.0% 68.5% -57.4%
Inventory 38.05
27.16
17.24
10.49
10.60
growth rate -28.6% -36.5% -39.2% 1.0%
Cur.Liabilities 0.00
3,923.27
4,005.33
3,982.14
4,135.73
4,920.13
growth rate 2.1% -0.6% 3.9% 19.0%
Liabilities 2.40
4,111.80
5,263.30
4,320.22
4,016.30
4,025.07
4,066.36
4,036.86
4,311.06
4,981.66
growth rate 171,225.0% 28.0% -17.9% -7.0% 0.2% 1.0% -0.7% 6.8% 15.6%
LT Debt 0.00
0.00
0.00
0.00
0.00
40.00
40.00
38.67
129.12
15.00
growth rate 0.0% -3.3% 233.9% -88.4%
Equity 1,097.50
993.80
1,088.73
1,090.56
897.80
794.58
617.54
536.19
532.41
695.01
growth rate -9.5% 9.6% 0.2% -17.7% -11.5% -22.3% -13.2% -0.7% 30.5%
Common Shares 52.00
53.00
52.00
52.00
51.00
42.00
34.00
29.00
28.00
31.00
growth rate 1.9% -1.9% 0.0% -1.9% -17.7% -19.1% -14.7% -3.5% 10.7%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 0.10
1.00
21.82
41.08
6.80
1.59
5.08
5.62
5.62
6.28
growth rate 900.0% 2,082.3% 88.2% -83.4% -76.7% 220.6% 10.6% 0.0% 11.8%
Cash Dividends 0.00
0.00
0.00
2.62
10.10
8.51
6.71
6.40
9.40
16.62
growth rate 286.1% -15.8% -21.1% -4.6% 46.9% 76.8%
Cash From OA -1.95
-19.07
4.60
-77.87
-2.76
-37.63
-3.94
58.14
73.57
growth rate 0.0% 100.0% -100.0% 0.0% 0.0% 0.0% 100.0% 26.6%
FCF per Share -2.28
-0.33
0.57
-1.00
0.11
0.21
1.10
growth rate 0.0% 100.0% -100.0% 100.0% 90.9% 423.8%
Sale Purchase of Stock -0.49
-1.59
-0.30
0.16
0.16
0.10
0.10
growth rate 0.0% 0.0% 100.0% 0.0% -35.0% 0.0%
FCF -2.00
-36.00
-43.00
-119.00
-32.00
-4.00
-43.00
-4.00
53.00
67.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% 26.4%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 0.50
58.10
286.65
270.86
199.10
162.34
164.90
162.02
172.34
263.24
growth rate 11,520.0% 393.4% -5.5% -26.5% -18.5% 1.6% -1.8% 6.4% 52.7%
Op.Income -1.40
9.00
41.96
-0.54
6.90
8.69
14.84
30.34
40.62
77.86
growth rate 100.0% 366.3% -100.0% 100.0% 25.9% 70.7% 104.5% 33.9% 91.7%
IBT -1.37
9.00
69.41
4.04
-16.50
12.34
7.93
26.01
35.86
73.68
growth rate 100.0% 671.2% -94.2% -100.0% 100.0% -35.8% 228.2% 37.9% 105.5%
Net Income -1.50
6.10
41.96
-0.54
6.90
9.18
4.88
23.06
14.58
61.45
growth rate 100.0% 587.9% -100.0% 100.0% 33.0% -46.8% 372.4% -36.8% 321.5%
EPS -0.03
0.11
0.81
-0.01
0.14
0.22
0.14
0.79
0.53
1.95
growth rate 100.0% 636.4% -100.0% 100.0% 57.1% -36.4% 464.3% -32.9% 267.9%
Gross Profit 162.34
164.90
162.02
172.34
263.24
growth rate 1.6% -1.8% 6.4% 52.7%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 6.07
4.53
2.30
growth rate -25.4% -49.2%
Acct.Payable 4,631.46
4,614.03
4,535.62
4,714.45
4,688.00
growth rate -0.4% -1.7% 3.9% -0.6%
Cur.Assets 342.83
290.17
211.39
199.56
204.08
growth rate -15.4% -27.2% -5.6% 2.3%
Total Assets 5,647.26
5,585.10
5,676.67
5,802.67
5,858.00
growth rate -1.1% 1.6% 2.2% 1.0%
Cash 137.92
111.46
109.56
105.26
91.16
growth rate -19.2% -1.7% -3.9% -13.4%
Inventory 35.47
35.14
10.60
9.39
7.05
growth rate -0.9% -69.8% -11.3% -24.9%
Cur.Liabilities 4,735.84
4,701.03
4,920.13
4,782.57
4,748.43
growth rate -0.7% 4.7% -2.8% -0.7%
Liabilities 4,987.07
4,912.04
4,981.66
5,087.66
5,124.09
growth rate -1.5% 1.4% 2.1% 0.7%
LT Debt 188.33
144.54
15.00
257.82
272.41
growth rate -23.3% -89.6% 1,618.8% 5.7%
Equity 660.19
673.07
695.01
715.00
733.92
growth rate 2.0% 3.3% 2.9% 2.7%
Common Shares 0.52
0.52
0.52
0.52
0.52
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 1.56
1.57
1.24
1.69
growth rate 0.9% -20.8% 35.7%
Cash Dividends 4.31
4.32
5.25
5.41
growth rate 0.4% 21.4% 3.0%
Cash From OA -41.33
53.89
50.50
-3.62
growth rate 100.0% -6.3% -100.0%
Sale Purchase of Stock
growth rate
FCF -42.89
52.32
49.26
-5.31
growth rate 100.0% -5.9% -100.0%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 67.08
67.03
63.43
66.74
69.91
growth rate -0.1% -5.4% 5.2% 4.8%
Op.Income 21.71
23.06
21.38
22.77
23.44
growth rate 6.2% -7.3% 6.5% 2.9%
IBT 20.31
22.59
20.62
22.29
23.46
growth rate 11.2% -8.8% 8.1% 5.3%
Net Income 17.51
18.24
17.24
18.92
20.28
growth rate 4.2% -5.5% 9.8% 7.2%
EPS
growth rate
Gross Profit 67.08
67.03
63.43
66.74
69.91
growth rate -0.1% -5.4% 5.2% 4.8%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (65.48)

YOY Growth Grade:

E (17.99)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.00 14.19 15.24
EPS / Growth 55.9% 2.28 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.9% 6.0% 6.0%
Future PE 3.86 14.72 14.72
Future EPS 2.76 4.06 4.06
Value Price
MOS %
2.63
-91.9%
14.78
-54.2%
14.78
-54.2%
MOS Price 1.32 7.39 7.39
IRT 12.44 10.13 10.13

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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