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Intrinsic value of National Bank Holdings Corporation (NBHC)

Previous Close$41.70
Intrinsic Value
Upside potential
Previous Close
$41.70
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh8.02 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

National Bank Holdings Corporation operates as the bank holding company for NBH Bank 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, food and 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, multi-family, hospitality, and retail buildings; small business administration loans to support manufacturers, distributors, and service providers; term loans, line of credits, 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. The company operates through a network of 97 banking centers located in Colorado, the greater Kansas City area, New Mexico, Utah, and Texas. It also operates 127 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.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %-7.9NaN
Revenue, $302NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m187NaN
Operating income, $m115NaN
EBITDA, $m134NaN
Interest expense (income), $mNaN
Earnings before tax, $m115NaN
Tax expense, $m21NaN
Net income, $m93NaN

BALANCE SHEET

Cash and short-term investments, $m846NaN
Total assets, $m7214NaN
Adjusted assets (=assets-cash), $m6368NaN
Average production assets, $m246NaN
Working capital, $m-802NaN
Total debt, $m82NaN
Total liabilities, $m6374NaN
Total equity, $m840NaN
Debt-to-equity ratio0.098NaN
Adjusted equity ratio0.003NaN

CASH FLOW

Net income, $m93NaN
Depreciation, amort., depletion, $m19NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m6NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m5NaN
Free cash flow, $m1NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-802
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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