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National Bank Holdings Corporation Quality Score

NBHC

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Quality39

Weak across most dimensions. This doesn't mean avoid, but the burden of proof is on the bull case.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
40/100
30.3x

Above 30x, priced for sustained outperformance

Price / Book
90/100
1.04x

1.0x book, reasonable for a financial

Book Value Growth
50/100
2.8%

2–5%, modest book growth

Business Quality & Capital Allocation

Share Dilution
0/100
37.0%

Heavy dilution above 5%

Return on Equity
40/100
3.4%

2–5%, low ROE for a financial

Capital Adequacy
100/100
12.8%

12.8% equity/assets, well-capitalized

Margin Trend
0/100
-5490.1pp

Net margin compressed >2pp, profitability pressure

National Bank Holdings (NBHC) quality: score, margins and returns

National Bank Holdings (NBHC) scores 39/100 on Intrinsiqq's quality score (a lower-quality business), a weighted blend of 7 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is National Bank Holdings (NBHC) a high-quality business?+

National Bank Holdings scores 39 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which rates it a lower-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does National Bank Holdings's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from NBHC's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where National Bank Holdings scores well and where it falls behind.

How profitable is National Bank Holdings?+

National Bank Holdings runs a net margin of about -959.0%. Revenue has grown at roughly 14.7% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 30 Oct 2026, covering the period ending 30 Sept 2026, as reported to the SEC. Data last refreshed 4 Nov 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

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Held by ETFs

NBHC is in 65 US ETFs. The largest of them, with NBHC's weight in each:

Spot a number that looks wrong? Check it in NBHC's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.