earnings
confidence high
sentiment neutral
materiality 0.75
NBHC Q4 GAAP EPS $0.44, adjusted $0.91; record NII $96.5M
National Bank Holdings Corp
2022-FY EPS reported
$2.18
revenue$38,302,000
- GAAP net income $16.7M ($0.44/share); adjusted net income $34.5M ($0.91/share) vs $25.3M ($0.80) in Q3.
- Record fully taxable-equivalent NII $96.5M, up 146% annualized; NIM widened 38bps to 4.39%.
- Organic loan growth 21.5% annualized (ex-acquisitions); total loans record $7.2B.
- Net charge-offs 0.04% of loans; non-performing loans 0.23% of total loans.
- FY2022 GAAP EPS $2.18, adjusted $3.05; adjusted ROTCE 13.75%.