NBHC Q1 EPS $0.63 vs $0.73 prior quarter; provision up on $10.2M fraud charge-off

National Bank Holdings Corp

2025-Q1 EPS reported $0.63 revenue$10,822,000

Net income $24.2M ($0.63 EPS), down from $28.2M ($0.73) in Q4 2024 and $31.4M ($0.82) a year ago.
Provision expense $10.2M due to suspected borrower fraud charge-off; net charge-offs 0.80% annualized vs 0.11% prior quarter.
FTE net interest income $88.6M, up $2.9M YoY; NIM 3.93% vs 3.99% Q4 but up 15bps YoY.
Tangible book value per share $25.94, up $0.66; CET1 ratio 13.61%; capital ratios well above 'well capitalized' thresholds.
CEO said excluding fraud charge-off and payroll tax credit, EPS would have beat analyst median estimate.

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