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Compared to Estimates, National Bank Holdings (NBHC) Q3 Earnings: A Look at Key Metrics
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For the quarter ended September 2026, National Bank Holdings (NBHC - Free Report) reported revenue of $128.71 million, up 18.2% over the same period last year. EPS came in at $0.06, compared to $0.96 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $135.05 million, representing a surprise of -4.7%. The company delivered an EPS surprise of -83.33%, with the consensus EPS estimate being $0.36.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how National Bank Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net charge-offs to average loans: 1.9% versus 0.8% estimated by three analysts on average.
Efficiency Ratio (Fully Taxable Equivalent) (non-GAAP)): 76% compared to the 61.5% average estimate based on three analysts.
Net interest margin, Fully Taxable Equivalent (non-GAAP): 4% versus the three-analyst average estimate of 4%.
Total risk-based capital ratio: 14.7% versus the two-analyst average estimate of 15.3%.
Tier 1 risk-based capital ratio: 11.7% versus the two-analyst average estimate of 12.2%.
Average Interest Earning Assets: $11.41 billion versus $11.61 billion estimated by two analysts on average.
Total Non-Performing Assets: $49 million compared to the $46.49 million average estimate based on two analysts.
Total Non-Performing Loans: $43.92 million compared to the $42.5 million average estimate based on two analysts.
Tier 1 leverage ratio: 10% versus 10.1% estimated by two analysts on average.
Net interest income FTE (non-GAAP): $115.17 million versus the three-analyst average estimate of $116.22 million.
Service charges: $4.46 million compared to the $4.61 million average estimate based on three analysts.
Total Non-Interest Income: $13.54 million compared to the $18.83 million average estimate based on three analysts.
Shares of National Bank Holdings have returned -1.5% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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Compared to Estimates, National Bank Holdings (NBHC) Q3 Earnings: A Look at Key Metrics
For the quarter ended September 2026, National Bank Holdings (NBHC - Free Report) reported revenue of $128.71 million, up 18.2% over the same period last year. EPS came in at $0.06, compared to $0.96 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $135.05 million, representing a surprise of -4.7%. The company delivered an EPS surprise of -83.33%, with the consensus EPS estimate being $0.36.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how National Bank Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for National Bank Holdings here>>>
Shares of National Bank Holdings have returned -1.5% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.