---
schema_version: "secwatch.filing_event.v1"
accession: "0001475841-24-000006"
form_type: "8-K"
ticker: "NBHC"
cik: "0001475841"
company_name: "National Bank Holdings Corp"
filed_at: "2024-01-23T23:59:59+00:00"
generated_at: "2026-06-06T19:57:33.918056+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# National Bank Holdings Q4 EPS $0.87; FY2023 net income $142M record, up 99% YoY

## Summary
- FY2023 net income $142.0M ($3.72 diluted EPS) vs $71.3M ($2.18) in 2022; adjusted EPS $3.05.
- Q4 net income $33.1M ($0.87 EPS) vs $36.1M ($0.94) in Q3; NIM 3.95%, cost of funds 2.10%.
- Total loans $7.7B, organic growth 6.6% YoY; net charge-offs just 0.02% of avg loans.
- Average deposits up 18.7% YoY; strong capital: Tier 1 leverage 9.74%, CET1 11.89%.
- Tangible book value per share $22.77, up $1.34 from Q3; management cites record results.

## SEC filing metadata
- accession: 0001475841-24-000006
- form_type: 8-K
- ticker: NBHC
- cik: 0001475841
- company_name: National Bank Holdings Corp
- filed_at: 2024-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 7.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1475841/000147584124000006/0001475841-24-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1475841/000147584124000006/nbhc-20240123x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001475841-24-000006
- JSON: https://secwatch.observer/filing/0001475841-24-000006.json
- Plain text: https://secwatch.observer/filing/0001475841-24-000006.txt

## Key facts
- Earnings Releases
  National Bank Holdings Corp reported the full year 2023 results: net income $142.0 million, EPS $3.72 per diluted share.
  - Period: the full year 2023
  - Net income: $142.0 million
  - EPS: $3.72 per diluted share
  - Result: reported results
  source text: Net income increased $70.8 million or 99.3% to a record $142.0 million, or $3.72 per diluted share, compared to net income of $71.3 million, or $2.18 per diluted share in the prior year
  evidence_url: https://www.sec.gov/Archives/edgar/data/1475841/000147584124000006/0001475841-24-000006-index.htm
- Earnings Releases
  National Bank Holdings Corp reported the quarter ended December 31, 2023 results: net income $33.1 million, EPS $0.87 per diluted share.
  - Period: the quarter ended December 31, 2023
  - Net income: $33.1 million
  - EPS: $0.87 per diluted share
  - Result: reported results
  source text: On January 23, 2024, National Bank Holdings Corporation (“NBHC”) issued a press release announcing its financial results for the quarter ended December 31, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1475841/000147584124000006/0001475841-24-000006-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.