NBHC at a glance
National Bank Holdings Corp (NBHC, SEC CIK 1475841) filed its latest 10-K annual report on February 24, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on October 1, 2026 and Form 4 insider filings as recently as October 5, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), National Bank Holdings Corp (NBHC) reported revenue of $47.1 million (up 2.1% from FY2024) and net income of $109.6 million. Diluted EPS was $2.85.
- As of June 30, 2026, 28 institutional investment managers tracked by SignalX reported holding National Bank Holdings Corp (NBHC) shares worth $976.7 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Spring Maria F on May 20, 2026 of 963 shares at $41.84 per share.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $47.1M
- +2.1% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 28 funds
- $976.7M · −1 vs prior quarter
- Latest 8-K
- Oct 1, 2026
- Item 2.06 · Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Regional bank holding company providing banking and financial services through subsidiary banks
- New regulatory exposure due to assets exceeding $10 billion post-acquisition, losing Durbin Amendment debit interchange fee exemption
- Strategic regulatory risk focus with increased CFPB oversight and potential capital injection requirements under Federal Reserve “source of strength” policy
- Total assets grew to over $10 billion from $9.9 billion as of Dec 31, 2025, triggering increased regulatory and compliance costs
- Heightened risk of regulatory enforcement actions impacting dividends, share repurchases, and capital allocation strategies
Risk Factors
- Board Audit & Risk Committee oversees cybersecurity risk management program execution
- CEO-appointed Chief Risk Management Officer leads Enterprise Risk Management Committee including cybersecurity
- CISO with 15+ years experience directs cybersecurity strategy, reporting to Chief Risk Officer
- Enterprise Technology Department led by CTO with 25+ years experience handles cybersecurity network operations
- Internal Audit and third parties evaluate cybersecurity effectiveness, reporting to Audit & Risk Committee annually
Management Discussion & Analysis
- Revenue $424.0M, net interest income FTE up $3.9M to $356.4M in 2025 vs 2024
- Operating margin (efficiency ratio ex intangibles) 58.43% vs 58.69% in 2024, net income $109.6M vs $118.8M, adjusted net income $117.6M vs $123.9M
- Best segment: Non-interest income rose 10.3% to $67.6M driven by gains on investments and trusts; Worst: Loans declined from $7.8B to $7.4B
- Cash flow & capital: repurchased 416,795 shares for $15.2M; paid $1.20 dividends/share; capex includes $21.6M 2UniFi investment in 2025
- Outlook: Acquisition of Vista ($2.5B assets) closed; risks include intense deposit competition, interest rate uncertainty, and scaling 2UniFi digital platform
AI summary of the NBHC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- Newly triggered executive-transition risk: John Steinmetz left officer role August 5, 2026 and became consultant through December 31, 2027
- Executive retention cost: $66,000 monthly consulting compensation plus $720,000 additional cash payments during 2027
- Legal exposure: $1,720,000 lump-sum payment under Release Agreement for release of claims
- Capital allocation risk: $72.8 million remained available under the $100.0 million stock-repurchase authorization at June 30, 2026
AI summary of the NBHC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.06: Material Impairments
- $65.0M commercial loan exposure, primarily franchise and healthcare, marked down to estimated collateral value of $18.2M
- $46.8M expected charge-offs driving third-quarter provision expense of $38.0M-$40.0M
Item 8.01: Other Events
- Additional $40.1M repurchase authorization, bringing total available authority to $100.0M
- Capital return flexibility through open-market, private, or Rule 10b5-1 repurchases
Item 8.01: Other Events
- Quarterly cash dividend of $0.32 per Class A common share declared
- September 15, 2026 payment date for shareholders of record August 28, 2026
Item EX-99.1: Item EX-99.1
- Quarterly cash dividend of $0.32 per common share, signaling continued shareholder capital returns
- Record date August 28, 2026; payment date September 15, 2026
Item 7.01: Regulation FD Disclosure
- NBHC updated its investor presentation on July 27, 2026, providing current materials for investors and analysts
- Presentation may be used in investor meetings, making Exhibit 99.1 the key source for updated company disclosures
Item EX-99.1: Item EX-99.1
- Q2 2026 adjusted net income $35.3M, or $0.78 diluted EPS, while GAAP net income totaled $26.5M
- Net interest income rose 24.9% year over year to $111.5M, with NIM FTE of 3.94%
AI summaries of NBHC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for NBHC
Don't miss the next NBHC filing
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- Fund moves. Which tracked funds opened, added or cut NBHC, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Gooden Emily | F | Oct 1, 2026 | 21 | $39.17 |
| Van Denabeele Nicole | F | Oct 1, 2026 | 138 | $39.17 |
| LANEY G. TIMOTHY | M | Aug 11, 2026 | 26,683 | - |
| LANEY G. TIMOTHY | F | Aug 11, 2026 | 23,503 | $43.19 |
| LANEY G. TIMOTHY | M | Aug 11, 2026 | 26,683 | $34.04 |
| LANEY G. TIMOTHY | M | Aug 11, 2026 | 37,042 | - |
| LANEY G. TIMOTHY | M | Aug 11, 2026 | 37,042 | $32.65 |
| LANEY G. TIMOTHY | F | Aug 11, 2026 | 31,957 | $43.19 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $46.9M | $46.2M | $47.1M | |
| Net Income | $142.0M | $118.8M | $109.6M | |
| Net Margin | 302.7% | 257.3% | 232.4% | |
| Balance Sheet | ||||
| Total Assets | $10.0B | $9.8B | $9.9B | |
| Equity | $1.2B | $1.3B | $1.4B | |
| ROE | 11.7% | 9.1% | 7.9% | |
| Per Share | ||||
| EPS | $3.72 | $3.08 | $2.85 | |
| Cash Flow | ||||
| Operating CF | $166.9M | $155.3M | $162.4M | |
Source: XBRL data in National Bank Holdings Corp (NBHC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate NBHC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 28 | $976.7M |
| Q1 2026 | 29 | $804.3M |
| Q4 2025 | 27 | $760.7M |
| Q3 2025 | 28 | $778.5M |
| Q2 2025 | 29 | $739.7M |
| Q1 2025 | 25 | $520.3M |
| Q4 2024 | 19 | $537.8M |
| Q3 2024 | 16 | $342.8M |
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- Millennium Management−104.6K
Source: 13F-HR filings on SEC EDGAR (aggregated from 201 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
NBHC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 8-K | Oct 1, 2026 | - | Analysis | - |
| 4 | Aug 13, 2026 | - | - | - |
| SC 13G | Aug 7, 2026 | - | - | |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 4, 2026 | - | Analysis | - |
| SC 13G | Jul 31, 2026 | - | - | |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | May 21, 2026 | - | - | |
| 8-K | May 12, 2026 | - | Analysis | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| SC 13G | May 8, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 10-Q | May 7, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 7, 2026 | - | Analysis |
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NBHC SEC filings: frequently asked questions
Which institutions hold NBHC stock?
As of June 30, 2026, the largest National Bank Holdings Corp (NBHC) holders among the 13F filers tracked by SignalX were BlackRock ($288.6 million), Vanguard Portfolio Management LLC ($121.7 million), State Street Corp ($103.1 million), Dimensional Fund Advisors ($99.4 million), Vanguard Capital Management LLC ($84.9 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was NBHC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), National Bank Holdings Corp (NBHC) reported revenue of $47.1 million (up 2.1% from FY2024) and net income of $109.6 million. Diluted EPS was $2.85. The figures come from the XBRL data in the 10-K.
What are the main risks in NBHC's latest 10-K?
In the 10-K filed February 24, 2026, National Bank Holdings Corp (NBHC) flagged: Board Audit & Risk Committee oversees cybersecurity risk management program execution. CEO-appointed Chief Risk Management Officer leads Enterprise Risk Management Committee including cybersecurity. (AI summary of the Risk Factors section.)
What did NBHC report in its latest 8-K?
National Bank Holdings Corp (NBHC) filed an 8-K on October 1, 2026 reporting Item 2.06 (Material Impairments) and Item 8.01 (Other Events). $65.0M commercial loan exposure, primarily franchise and healthcare, marked down to estimated collateral value of $18.2M.
What are the latest NBHC SEC filings?
National Bank Holdings Corp (NBHC) filed its latest 10-K annual report on February 24, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on October 1, 2026 and a Form 4 insider filing on October 5, 2026.
What is NBHC's SEC CIK number?
National Bank Holdings Corp (NBHC)'s SEC Central Index Key (CIK) is 1475841. EDGAR lists every NBHC filing under that number.
Ask anything about NBHC
The research agent reads NBHC's filings, financials, insider trades and 13F holders, then answers with sources.