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NBHC Q1 2025 Earnings Report
National Bank Holdings Corporation reported its financial results for the first quarter of 2025, with net income and earnings per share impacted by elevated provision expenses.
Key Takeaways
National Bank Holdings Corporation reported first quarter 2025 net income of $24.2 million, or $0.63 per diluted share. The results were primarily affected by a $10.2 million provision expense due to a loan charge-off involving suspected fraud. Despite this, the company maintained a solid net interest margin of 3.93% and saw growth in tangible book value per share.
Net income for Q1 2025 was $24.2 million, or $0.63 per diluted share.
Provision expense for credit losses totaled $10.2 million, primarily due to a fraud-related loan charge-off.
The fully taxable equivalent net interest margin was 3.93%.
Tangible common book value per share increased by $0.66 to $25.94.
Forward Guidance
The company did not provide specific forward-looking guidance in this report. However, it emphasized its commitment to serving clients, building a strong balance sheet, and making meaningful investments in technology to drive shareholder returns.
Positive Outlook
- Commitment to serving clients.
- Building a fortress balance sheet with strong capital and liquidity.
- Diversified sources of funding.
- Recognition as one of the best banks by Forbes.
- Continued meaningful investments in technology.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- The report did not outline any specific challenges or risks for the upcoming periods.
- No mention of potential economic headwinds or market volatility impacts.
- No specific targets or projections for future financial performance were given.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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