National Bank Holdings Corporation (NBHC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 108.8M | 86.2M | 87.79M | 86.94M | 85.67M | 89.7M | 87.25M | 83.2M | 83.41M | 88.76M | 87.08M | 88.87M | 93.99M | 94.66M | 68.88M | 55.81M | 46.45M | 49.28M | 47.36M | 44.66M |
| NII Growth % | 27% | -3.89% | 0.62% | 4.5% | 2.71% | 1.05% | 0.2% | -6.38% | -11.25% | -6.24% | 26.42% | 59.25% | 102.34% | 92.11% | 45.44% | 24.96% | 3.2% | 1.93% | 1.86% | -5.02% |
| Net Interest Margin % | 0.86% | 0.87% | 0.86% | 0.87% | 0.85% | 0.91% | 0.87% | 0.83% | 0.84% | 0.89% | 0.88% | 0.9% | 0.95% | 0.99% | 0.87% | 0.78% | 0.63% | 0.68% | 0.67% | 0.63% |
| Interest Income | 159.15M | 126.35M | 131.83M | 130.75M | 128.94M | 135.65M | 137.6M | 132.07M | 131.12M | 133.96M | 125.41M | 120.16M | 112.64M | 103.56M | 72.16M | 58.63M | 49.32M | 52.5M | 50.8M | 48.45M |
| Interest Expense | 50.35M | 40.15M | 44.04M | 43.81M | 43.27M | 45.95M | 50.35M | 48.87M | 47.7M | 45.2M | 38.33M | 31.29M | 18.64M | 8.89M | 3.28M | 2.82M | 2.86M | 3.02M | 3.23M | 3.58M |
| Loan Loss Provision | 4M | 0 | -1.5M | 0 | 10.2M | 1.98M | 2M | 2.78M | 0 | 4.57M | 1.13M | 1.7M | 900K | 21.87M | 12.68M | 2.5M | -322K | 132K | 0 | -5.85M |
| Non-Interest Income | 17.98M | 14.43M | 20.07M | 16.26M | 15.29M | 10.28M | 17.62M | 13.02M | 16.96M | 15.29M | 18.4M | 13.47M | 14.23M | 13.13M | 16.16M | 16.97M | 18M | 22.64M | 27.07M | 23.71M |
| Non-Interest Income % | 10.15% | 10.25% | 13.21% | 11.06% | 10.6% | 7.05% | 11.35% | 8.97% | 11.45% | 10.25% | 12.79% | 10.08% | 11.22% | 11.26% | 18.3% | 22.45% | 26.73% | 30.13% | 34.76% | 32.86% |
| Total Revenue | 177.13M | 140.79M | 151.9M | 147.02M | 144.24M | 145.94M | 155.22M | 145.09M | 148.08M | 149.26M | 143.81M | 133.63M | 126.87M | 116.69M | 88.32M | 75.6M | 67.31M | 75.14M | 77.87M | 72.17M |
| Revenue Growth % | 22.81% | -3.53% | -2.14% | 1.33% | -2.59% | -2.23% | 7.93% | 8.57% | 16.72% | 27.91% | 62.83% | 76.76% | 88.48% | 55.3% | 13.42% | 4.76% | -17.37% | -12.23% | -18.62% | -21.13% |
| Non-Interest Expense | 96.84M | 72.45M | 66.21M | 61.66M | 60.91M | 63.28M | 62.99M | 61.68M | 61.48M | 60.59M | 58.94M | 59.72M | 56.96M | 66.26M | 52.53M | 45.55M | 42.81M | 43.93M | 49.86M | 44.79M |
| Efficiency Ratio | 54.67% | 51.46% | 43.59% | 41.94% | 42.23% | 43.36% | 40.58% | 42.52% | 41.52% | 40.59% | 40.98% | 44.69% | 44.9% | 56.78% | 59.48% | 60.26% | 63.61% | 58.46% | 64.03% | 62.07% |
| Operating Income | 25.94M | 28.19M | 43.15M | 41.54M | 29.85M | 34.73M | 39.88M | 31.75M | 38.89M | 38.9M | 45.41M | 40.93M | 50.36M | 19.67M | 19.83M | 24.72M | 21.95M | 28.06M | 24.78M | 29.64M |
| Operating Margin % | 14.65% | 20.02% | 28.4% | 28.26% | 20.7% | 23.79% | 25.69% | 21.89% | 26.26% | 26.06% | 31.58% | 30.63% | 39.7% | 16.86% | 22.46% | 32.7% | 32.62% | 37.35% | 31.82% | 41.07% |
| Operating Income Growth % | -13.09% | -18.82% | 8.19% | 30.84% | -23.25% | -10.73% | -12.19% | -22.42% | -22.78% | 97.73% | 128.98% | 65.54% | 129.39% | -29.9% | -19.95% | -16.59% | -32.42% | -16.2% | -28.65% | 33.92% |
| Pretax Income | 25.94M | 19.09M | 43.15M | 41.54M | 29.85M | 34.73M | 39.88M | 31.75M | 38.89M | 38.9M | 45.41M | 40.93M | 50.36M | 19.67M | 19.83M | 24.72M | 21.95M | 28.06M | 24.78M | 29.64M |
| Pretax Margin % | 14.65% | 13.56% | 28.4% | 28.26% | 20.7% | 23.79% | 25.69% | 21.89% | 26.26% | 26.06% | 31.58% | 30.63% | 39.7% | 16.86% | 22.46% | 32.7% | 32.62% | 37.35% | 31.82% | 41.07% |
| Income Tax | 5.15M | 3.05M | 7.86M | 7.52M | 5.62M | 6.54M | 6.78M | 5.62M | 7.5M | 5.78M | 9.33M | 8.37M | 10.08M | 2.95M | 3.99M | 4.36M | 3.6M | 5.29M | 4.95M | 5.44M |
| Effective Tax Rate % | 19.85% | 16% | 18.22% | 18.11% | 18.82% | 18.84% | 16.99% | 17.69% | 19.28% | 14.86% | 20.54% | 20.45% | 20.01% | 15.01% | 20.14% | 17.64% | 16.41% | 18.87% | 19.99% | 18.36% |
| Net Income | 20.79M | 16.04M | 35.28M | 34.02M | 24.23M | 28.18M | 33.02M | 26.14M | 31.39M | 33.12M | 36.09M | 32.56M | 40.28M | 16.72M | 15.84M | 20.36M | 18.35M | 22.77M | 19.82M | 24.2M |
| Net Margin % | 11.74% | 11.39% | 23.23% | 23.14% | 16.8% | 19.31% | 21.27% | 18.01% | 21.2% | 22.19% | 25.09% | 24.36% | 31.75% | 14.33% | 17.93% | 26.93% | 27.26% | 30.3% | 25.46% | 33.53% |
| Net Income Growth % | -14.19% | -43.1% | 6.87% | 30.18% | -22.81% | -14.91% | -8.51% | -19.73% | -22.07% | 98.08% | 127.84% | 59.89% | 119.5% | -26.56% | -20.11% | -15.86% | -31.55% | -16.19% | -28.92% | 36.68% |
| Net Income (Continuing) | 20.79M | 16.04M | 35.28M | 34.02M | 24.23M | 28.18M | 33.1M | 26.14M | 31.39M | 33.12M | 36.09M | 32.56M | 40.28M | 16.72M | 15.84M | 20.36M | 18.35M | 22.77M | 19.82M | 24.2M |
| EPS (Diluted) | 0.54 | 0.42 | 0.92 | 0.88 | 0.63 | 0.73 | 0.86 | 0.68 | 0.82 | 0.87 | 0.94 | 0.85 | 1.06 | 0.44 | 0.50 | 0.67 | 0.60 | 0.74 | 0.64 | 0.77 |
| EPS Growth % | -14.29% | -42.47% | 6.98% | 29.41% | -23.17% | -16.09% | -8.51% | -20% | -22.64% | 97.73% | 88% | 26.87% | 76.67% | -40.54% | -21.88% | -12.99% | -30.23% | -14.94% | -28.89% | 35.09% |
| EPS (Basic) | 0.54 | 0.42 | 0.92 | 0.89 | 0.63 | 0.73 | 0.86 | 0.68 | 0.82 | 0.87 | 0.95 | 0.86 | 1.07 | 0.44 | 0.51 | 0.67 | 0.61 | 0.75 | 0.64 | 0.78 |
| Diluted Shares Outstanding | 38.18M | 38.18M | 38.15M | 38.15M | 38.23M | 38.56M | 38.49M | 38.37M | 38.19M | 38.16M | 38.13M | 38.11M | 38.08M | 38.1M | 31.53M | 30.49M | 30.48M | 30.79M | 31.07M | 31.23M |