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Sep 30, 2025
NBHC Q3 2025 Earnings Report
National Bank Holdings Corporation reported higher net income and improved key profitability ratios in Q3 2025.
Key Takeaways
NBHC delivered strong financial results in Q3 2025, with increased net income and a solid net interest margin. Adjusted earnings per share rose to $0.96. Credit quality improved with net recoveries and lower non-performing loans.
Net income rose to $35.3 million, with adjusted net income at $36.6 million.
Diluted EPS was $0.92; adjusted EPS reached $0.96.
Net interest margin expanded to 3.98%, driven by higher asset yields.
Credit quality improved with net recoveries of 0.05% and a decrease in non-performing loans to 0.36%.
Forward Guidance
NBHC is poised for growth with the pending Vista acquisition, strong capital ratios, and disciplined loan and deposit pricing strategy.
Positive Outlook
- Anticipated Q1 2026 closing of Vista Bancshares acquisition
- Expansion into high-growth Texas markets
- Robust capital generation with strong CET1 ratio
- Continued strong credit quality and net recoveries
- Growth in tangible common book value per share
Challenges Ahead
- Net interest income only modestly increased QoQ
- Ongoing depreciation and expenses from 2UniFi launch
- Higher non-interest expense due to acquisition-related costs
- Loan balances declined slightly from previous quarter
- Deposit mix shift slightly reduced transaction deposit ratio
Historical Earnings Impact
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Avg. Return Before/After Earnings
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