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National Bank Holdings (NBHC) guidance and outlook
National Bank Holdings' 10-Q filed Nov 3, 2026 makes 20 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 3, 2026
- Liquidity within the financial services sector remains tight, and we expect the intense competition for deposits throughout our markets to continue.
- We will continue to make select investments in our digital growth strategy and may also seek to partner with third parties.
- While further rate changes remain unclear, our future earnings will be impacted by the Federal Reserve’s future interest rate policy decisions.
- The Company utilizes a DCF model developed within a third-party software tool that incorporates forecasts of certain national macroeconomic factors (reasonable and supportable forecasts) which drive the losses predicted in establishing the Company’s ACL.
- Management accounts for the inherent uncertainty of the underlying economic forecast by reviewing and weighting alternate forecast scenarios.
- For periods beyond the reasonable and supportable forecast period, the Company reverts to historical long-term average loss rates on a straight-line basis.
- The update includes targeted changes to the guidance in ASC 815 to better reflect risk management, reduce complexity and align with economic reality.
- The Company does not measure expected credit losses on a financial asset, or groups of financial assets, in which historical credit loss information adjusted for current conditions and reasonable and supportable forecasts results in an expectation that nonpayment of the amortized cost basis is zero.
- We measure expected credit losses for groups of loans included in segments with similar risk characteristics.
- If management determines that foreclosure is probable, expected credit losses are evaluated based on the criteria listed below, adjusted for selling costs as appropriate.
- On October 1, 2026, the Company disclosed it expected to recognize material impairments related to specifically identified commercial loan relationships, primarily in the franchise and healthcare industries.
- Any changes to the underlying assumptions, circumstances or estimates, including but not limited to changes in the underlying macro-economic forecast, used in determining the ACL, could negatively or positively affect the Company’s results of operations, liquidity or financial condition.
National Bank Holdings' latest quarter
National Bank Holdings, Q3 2026: revenue $126M (+16% year over year), operating margin -9.5%, net loss $8.8M, operating cash flow $66.1M. The chart follows the revenue to costs, profit and cash.
Questions
What does National Bank Holdings expect?
Liquidity within the financial services sector remains tight, and we expect the intense competition for deposits throughout our markets to continue. We will continue to make select investments in our digital growth strategy and may also seek to partner with third parties. While further rate changes remain unclear, our future earnings will be impacted by the Federal Reserve’s future interest rate policy decisions.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.