National Bank
Runs regional banking brands across central and western US markets.
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Profile
Offers commercial, consumer, mortgage, trust, wealth, SBA, and digital payment services through local banking brands and 2UniFi. Built through acquisitions, the platform remains concentrated in U.S. community banking markets.
Operates a community-banking platform for commercial, business, and consumer clients through NBH Bank, Bank of Jackson Hole Trust, and 2UniFi. Brands include Community Banks of Colorado, Bank Midwest, Hillcrest Bank, Bank of Jackson Hole, and transition-relevant Vista Bank in Texas.
Serves markets across Colorado, the greater Kansas City region, Texas, Utah, Wyoming, New Mexico, and Idaho, with Vista adding larger Texas markets and Palm Beach exposure. Distribution combines banking centers, ATMs, online banking, and mobile banking.
Execution depends on integrating acquired franchises into one operating platform while adding trust and wealth, SBA, treasury, deposit, and digital payment capabilities. The business is shaped by banking regulation, credit quality, loan and deposit pricing, market interest rates, acquisition integration, and local relationship banking.
Company facts
Categories
Key statistics
Year to date +8.8% · Average volume (30d) 426.6K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 27, 2026 | Piper Sandler | Reiterate | Overweight | $52 | $51 | |
| Apr 27, 2026 | Piper Sandler | Reiterate | Overweight | $48 | $52 | |
| Nov 10, 2025 | Stephens | Target | $49 | $42 | ||
| Sep 17, 2025 | Bank of America Securities | Target | $45 | |||
| Nov 18, 2024 | Hovde Group | Downgrade | Outperform | Market Perform |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 21, 2026Q2 FY26 | $0.81 | $0.78 | −3.7% | $135.1M | $129.1M | −4.5% | −4.31% |
| Apr 21, 2026Q1 FY26 | $0.59 | $0.72 | +22.0% | $131.2M | $126.8M | −3.4% | −1.49% |
| Jan 27, 2026Q4 FY25 | $0.87 | $0.60 | −31.0% | $107.5M | $100.6M | −6.4% | −0.50% |
| Oct 21, 2025Q3 FY25 | $0.90 | $0.96 | +6.7% | $108.2M | $107.9M | −0.3% | +2.30% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $144.2M | $147.0M | $151.9M | $140.8M | $177.1M | $127.6M | |
| Gross profit | $90.8M | $103.2M | $109.4M | $100.6M | $122.8M | $127.6M | |
| Operating income | $29.9M | $41.5M | $43.1M | $28.2M | $25.9M | $32.6M | |
| Net income | $24.2M | $34.0M | $35.3M | $16.0M | $20.8M | $26.5M | |
| Diluted EPS | $0.63 | $0.88 | $0.92 | $0.42 | $0.54 | $0.69 | |
| Gross margin | 62.9% | 70.2% | 72.0% | 71.5% | 69.3% | 100.0% | |
| Operating margin | 20.7% | 28.3% | 28.4% | 20.0% | 14.6% | 25.6% |
Fiscal years (4-quarter sums)FY21 $306.6M · FY22 $347.9M · FY23 $553.6M · FY24 $594.3M · FY25 $583.9M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $1.82B · Total debt $347.2M · Total assets $12.59B · Shareholders' equity $1.67B
Dividends
Raised for 12 straight years — most recently to $0.32 from $0.31 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 28, 2026 | Aug 28 | Sep 15 | $0.32 | |
| May 29, 2026 | May 29 | Jun 15 | $0.32 | |
| Feb 27, 2026 | Feb 27 | Mar 13 | $0.32 | raised from $0.31 |
| Nov 28, 2025 | Nov 28 | Dec 15 | $0.31 | raised from $0.30 |
| Aug 29, 2025 | Aug 29 | Sep 15 | $0.30 | |
| May 30, 2025 | May 30 | Jun 13 | $0.30 | raised from $0.29 |
| Feb 28, 2025 | Feb 28 | Mar 14 | $0.29 | |
| Nov 29, 2024 | Nov 29 | Dec 13 | $0.29 | raised from $0.28 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 44.79M · Float —
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 6.50M | 14.50% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 2.74M | 6.11% | 13F | Aug 13, 2026 |
| William Blair Investment Management, LLC | 2.50M | 5.58% | 13F | Aug 12, 2026 |
| State Street Corporation | 2.32M | 5.20% | 13G | Aug 7, 2026 |
| Vanguard Capital Management | 2.24M | 5.00% | 13G | Jul 31, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 20, 2026 | Maria F. Spring | director | −963 | $41.84 |
| Feb 11, 2026 | John Steinmetz | officer: Exec Mng Dir of Strategic Init | +24,200 | $41.41 |
| Nov 11, 2025 | Maria F. Spring | director | −6,214 | $37.14 |
Peers
- BOK Financial
Broad Southwest overlap in banking, mortgage, and wealth
- Zions Bancorporation
Western super-regional bank across NBHC's growth states
- UMB Financial
Kansas City-centered peer with commercial and wealth overlap
- Commerce Bancshares
Kansas City and Denver banking competitor with wealth depth
- U.S. Bancorp
Large branch-bank competitor in Midwest and West markets
- Glacier Bancorp
Multi-brand Mountain West community-bank rival
- First Interstate BancSystem
Community-bank peer in Colorado, Idaho, Missouri, and Wyoming
- Prosperity Bancshares
Texas community-bank competitor in Vista expansion markets
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| National Bank | $41.22 | −0.05% | $1.85B | 16.0 | 10.9 | 3.1 | +25.1% |
| BOK Financial | $135.14 | −1.69% | $8.35B | 12.9 | 13.3 | 2.5 | +4.8% |
| Zions Bancorporation | $67.78 | −0.01% | $9.89B | 8.6 | 10.3 | 1.9 | +4.8% |
| UMB Financial | $144.59 | +0.07% | $10.98B | 12.0 | 11.0 | 2.4 | +22.9% |
| Commerce Bancshares | $58.04 | +0.02% | $8.46B | 14.1 | 13.1 | 3.9 | +11.9% |
| U.S. Bancorp | $62.47 | +0.01% | $97.31B | 12.5 | 11.5 | 2.2 | +10.6% |
| Glacier Bancorp | $46.88 | +0.02% | $6.10B | 19.0 | 13.9 | 4.0 | +36.8% |
| First Interstate BancSystem | $37.04 | 0.00% | $3.60B | 11.4 | 13.3 | 3.8 | +6.3% |
| Prosperity Bancshares | $72.30 | +0.01% | $8.69B | 12.5 | 10.8 | 4.9 | +25.9% |
| Median | 12.5 | 12.3 | 3.1 | +11.2% |