National Bank Holdings Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	348.51	345.39	361.95	266.84	187.14
Net Interest Income Growth	0.90%	-4.58%	35.65%	42.58%	-3.01%
Non-Interest Income	67.57	61.23	63.92	67.31	110.36
Non-Interest Income Growth	10.35%	-4.20%	-5.04%	-39.01%	-21.31%
Revenues Before Loan Losses	416.07	406.62	425.87	334.15	297.51
Provision for Credit Losses	17.8	6.76	8.3	36.73	-9.29
Revenue	398.27	399.86	417.57	297.42	306.8
Revenue Growth (YoY)	-0.40%	-4.24%	40.40%	-3.06%	-2.78%
Compensation Expenses	148.33	146.24	137.7	124.97	127.5
Selling, General & Admin	89.81	79.06	77.91	69.99	49.55
Other Non-Interest Expenses	26.5	29.32	26.37	16.27	14.77
Total Non-Interest Expense	264.64	254.62	241.97	211.23	191.83
Pretax Income	133.63	145.25	175.6	86.18	114.97
Provision for Income Taxes	24.06	26.43	33.55	14.91	21.37
Net Income	109.57	118.82	142.05	71.27	93.61
Net Income to Common	109.57	118.82	142.05	71.27	93.61
Net Income Growth	-7.78%	-16.36%	99.30%	-23.86%	5.66%
Shares Outstanding (Basic)	38	38	38	32	31
Shares Outstanding (Diluted)	38	38	38	33	31
Shares Change (YoY)	-0.85%	0.81%	16.62%	5.19%	-0.03%
EPS (Basic)	2.86	3.10	3.74	2.20	3.04
EPS (Diluted)	2.85	3.08	3.74	2.20	3.04
EPS Growth	-7.47%	-17.65%	70.00%	-27.63%	5.92%
Free Cash Flow	127.83	118.44	166.94	202.2	184.65
Free Cash Flow Growth	7.93%	-29.05%	-17.44%	9.51%	-
Free Cash Flow Per Share	3.36	3.08	4.38	6.19	5.94
Dividends Per Share	1.230	1.140	1.060	0.960	0.890
Dividend Growth	7.90%	7.55%	10.42%	7.87%	9.88%
Profit Margin	27.51%	29.71%	34.02%	23.96%	30.51%
FCF Margin	32.10%	29.62%	39.98%	67.99%	60.18%
EBITDA	28.1	24.19	23.85	16.45	13.59
EBITDA Margin	7.06%	6.05%	5.71%	5.53%	4.43%
Effective Tax Rate	18.00%	18.20%	19.11%	17.30%	18.58%

Updated Jan 27, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q