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Dec 31, 2025
NBHC Q4 2025 Earnings Report
NBHC reported a drop in Q4 net income due to acquisition-related expenses and losses on security sales, but adjusted results reflected more stable performance.
Key Takeaways
NBHC's Q4 2025 net income declined to $16.0M, or $0.42 per share, from $28.2M a year ago. Adjusted EPS came in at $0.60. Revenue was $100.6M and net interest margin decreased slightly. Asset quality remained solid, and the quarter included the acquisition of Vista Bancshares.
Reported net income of $16.0M, down from $28.2M in Q4 2024
Adjusted EPS of $0.60 after excluding $8.8M in acquisition-related expenses and losses
Net interest income (FTE) came in at $88.3M with a net interest margin of 3.89%
Closed the acquisition of Vista Bancshares during the quarter
Forward Guidance
NBHC is focused on integration of Vista acquisition and expects strong shareholder returns driven by capital strength, diversified funding, and digital initiatives.
Positive Outlook
- Closed the Vista Bancshares acquisition
- Announced $100M new share repurchase program
- Dividend increased by 3.2% to $0.32/share
- Capital ratios remain well above regulatory minimums
- Tangible common book value per share increased 10% YoY
Challenges Ahead
- Q4 net income declined significantly QoQ and YoY
- Lower net interest income due to asset yield compression
- Non-interest income fell due to loss on security sales
- Higher non-interest expenses from integration costs
- Increased provision for credit losses to $9.1M
Historical Earnings Impact
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Avg. Return Before/After Earnings
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