National Bank Holdings Corporation (FRA:NB9)

National Bank Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	496.51	505.27	461.38	255.67	181.82	200.03
Interest Income on Investments	33	33	34.04	29.02	19.15	17.98
Total Interest Income	529.51	538.27	495.42	284.69	200.97	218
Interest Paid on Deposits	170.39	186.19	109.38	14.6	13.6	23.63
Interest Paid on Borrowings	6.69	6.69	24.09	3.26	0.22	1.43
Total Interest Expense	177.08	192.88	133.46	17.85	13.82	25.06
Net Interest Income	352.43	345.39	361.95	266.84	187.14	192.95
Net Interest Income Growth (YoY)	2.23%	-4.58%	35.65%	42.58%	-3.01%	-6.26%
Mortgage Banking Activities	10.93	11.1	13.71	23.77	63.36	102.38
Gain (Loss) on Sale of Assets	0.6	0.6	0.1	-	-	-
Gain (Loss) on Sale of Investments	-1.58	-1.58	4.04	-	-	-
Other Non-Interest Income	54.18	50.99	46.15	43.54	47	37.49
Total Non-Interest Income	64.13	61.11	63.99	67.31	110.36	140.26
Non-Interest Income Growth (YoY)	-3.20%	-4.51%	-4.93%	-39.01%	-21.31%	69.23%
Revenues Before Loan Losses	416.56	406.5	425.94	334.15	297.51	333.2
Provision for Loan Losses	10.68	6.76	8.3	36.73	-9.29	17.63
Revenue	405.88	399.74	417.65	297.42	306.8	315.57
Revenue Growth (YoY)	1.05%	-4.29%	40.42%	-3.06%	-2.78%	13.90%
Salaries and Employee Benefits	137.3	138.2	130.48	118.91	121.96	135.87
Occupancy Expenses	36.65	33.75	31.45	31.5	25.28	27.47
Federal Deposit Insurance	5.39	5.39	7.01	2.12	1.85	1.17
Amortization of Goodwill & Intangibles	7.85	7.94	7.39	2.34	1.18	1.18
Selling, General & Administrative	44.69	42.78	40.9	36.96	22.78	20.09
Other Non-Interest Expense	23.86	25.56	24.75	19.41	18.77	18.08
Total Non-Interest Expense	255.74	253.62	241.97	211.23	191.83	203.83
EBT Excluding Unusual Items	150.14	146.12	175.68	86.18	114.97	111.75
Asset Writedown	-0.88	-0.88	-0.08	-	-	-
Pretax Income	149.26	145.25	175.6	86.18	114.97	109.4
Income Tax Expense	27.54	26.43	33.55	14.91	21.37	20.81
Net Income	121.72	118.82	142.05	71.27	93.61	88.59
Preferred Dividends & Other Adjustments	0.33	0.33	0.24	0.15	0.13	0.13
Net Income to Common	121.4	118.49	141.81	71.12	93.47	88.46
Net Income Growth	-1.64%	-16.36%	99.30%	-23.86%	5.66%	10.24%
Basic Shares Outstanding	38	38	38	32	31	31
Diluted Shares Outstanding	38	38	38	33	31	31
Shares Change (YoY)	0.44%	0.81%	16.62%	5.19%	-0.03%	-1.44%
EPS (Basic)	3.17	3.10	3.74	2.20	3.04	2.87
EPS (Diluted)	3.15	3.08	3.72	2.18	3.01	2.85
EPS Growth	-2.47%	-17.20%	70.64%	-27.57%	5.61%	11.77%
Dividend Per Share	0.290	1.140	1.060	0.960	0.890	0.810
Dividend Growth	-74.11%	7.55%	10.42%	7.87%	9.88%	3.85%
Effective Tax Rate	18.45%	18.20%	19.11%	17.30%	18.58%	19.02%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.