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National Bank Holdings (NBHC) Fair Value & Analysis

Financial Services · US · Market cap $1.9B

Price$44.56
Fair Value$31.80
Upside-28.6%
Quality95/100
Evidence: High Range $23.85 – $39.75

Fair value as of: Jun 25, 2026

Analysis

National Bank Holdings (NBHC) currently trades at $44.56, while our model-based Fair Value estimate is $31.80 — implying the stock looks roughly 28.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, health savings, and other deposit accounts, including fixed-rate and fixed maturity time deposits. The company also provides commercial and industrial loans and leases, such as working capital loans, equipment loans, lender finance loans, food and agriculture loans, government and non-profit loans, owner occupied commercial real estate loans, and other commercial loans and leases; non-owner occupied commercial real estate loans consisting of loans on commercial properties, such as hospitality, office buildings, warehouse/distribution buildings, multi-family, and retail buildings; small business administration loans to support small businesses and entrepreneurs; term loans, line of credits, and real est…

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Frequently asked questions

Is National Bank Holdings (NBHC) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $31.80 versus a price of $44.56 — about −29% (overvalued). Model-based estimate, not financial advice.
What is the fair value of NBHC?
Our 21-model fair value for National Bank Holdings is $31.80 (as of Jun 25, 2026), built from audited fundamentals. The current price is $44.56.
What is the quality score of NBHC?
National Bank Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.