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National Bank
National Bank (NBHC) investor relations material
National Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Completed the acquisition of Vista Bancshares, expanding into Texas, Florida, and resort markets, and integrating new leadership and bankers.
Launched 2UniFi, an automated SBA loan platform for business clients, with further client activation and revenue growth planned.
Increased quarterly dividend by 3.2% to $0.32 for 1Q26 and doubled share repurchase authorization to $100 million.
Achieved 10% growth in tangible book value per share and recognized among top U.S. banks for performance and workplace quality.
Fourth quarter impacted by one-time acquisition costs, strategic securities sale, and resolution of problem loans to enter 2026 with a clean slate.
Financial highlights
FY2025 adjusted net income was $117.6 million ($3.06 per diluted share); Q4 adjusted net income was $22.7 million ($0.60 per share).
Net interest margin (FTE) for FY2025 was 3.94%, with Q4 at 3.89% and December rebounding to 3.97%.
Return on tangible assets was 1.3% (adjusted), and return on tangible common equity was 12.2% (adjusted) for 2025.
Non-interest income for Q4 was $14.4 million; full year was $67.6 million, up 10.3% year-over-year.
Non-interest expense for Q4 was $72.4 million, including $5.4 million in acquisition-related costs; full year was $264.6 million.
Outlook and guidance
Projecting 10% loan growth and 7%-10% earning asset growth in 2026, with net interest margin expected to remain around 4%.
Vista acquisition expected to deliver ~17% EPS accretion, 20%+ IRR, and earnback in ~3 years.
Non-interest income projected at $75-$80 million; non-interest expense at $320-$330 million, with lower expenses in the second half due to integration efficiencies.
2UniFi expected to contribute $2-$4 million in revenue in 2026, with flat expenses at $22 million.
Targeting earnings over $1 per share in Q4 2026 and over $4 per share for full-year 2027.
2UniFi partnership: Financial impact on NBH
Plan for crossing $10B asset threshold
Vista integration: Loan growth drivers
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Next National Bank earnings date
Q1 202622 Apr, 2026
National Bank
Next National Bank earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
National Bank Holdings Corporation is a bank holding company that operates through NBH Bank. The company offers commercial and personal banking, mortgage lending, and treasury management services in Colorado, Missouri, New Mexico, and surrounding states. It serves small to mid-sized businesses and individuals through branch offices and online platforms. National Bank Holdings Corporation is headquartered in Greenwood Village, Colorado, and its shares are listed on the NYSE.
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