earnings
confidence high
sentiment positive
materiality 0.80
NBHC Q3 net income $36.1M ($0.94 diluted), up 89% YoY; ROTCE 18.38%
National Bank Holdings Corp
2023-Q3 EPS reported
$2.85
revenue$36,452,000
- Diluted EPS of $0.94 vs $0.50 in 3Q22; adjusted EPS (non-GAAP) $0.80 vs $0.50.
- FTE net interest income $89.4M, NIM 3.92%; non-interest income $19.4M (incl. $1.1M MSR gain).
- Loans grew 3.4% annualized to $7.5B; deposits rose 5.8% annualized to $8.1B (no crypto/VC exposure).
- Annualized net charge-offs just 0.01%; ACL 1.25% of loans; Tier 1 leverage ratio 9.56%.