NBHC

DENVER, Aug. 04, 2026 (GLOBE NEWSWIRE) -- National Bank Holdings Corporation (NYSE: NBHC) announced today that its Board of Directors declared a quarterly cash dividend to shareholders. The cash dividend of thirty-two cents ($0.32) per share of NBHC common stock will be payable on September 15, 2026 to shareholders of record at the close of business on August 28, 2026. About National Bank Holdings Corporation National Bank Holdings Corporation is a bank holding company created to build a leading community bank franchise, delivering high quality client service and committed to stakeholder results. Through its bank subsidiaries, NBH Bank and 2UniFi Bank (formerly Bank of Jackson Hole Trust), National Bank Holdings Corporation operates a network of over 90 banking centers, serving individual consumers, small, medium and large businesses, and government and non-profit entities. Its banking centers are located in its core footprint of Colorado, the greater Kansas City region, Texas, Utah, Wyoming, New Mexico, Idaho, and Palm Beach, Florida. Its comprehensive residential mortgage banking group primarily serves the bank’s core footprint. Its trust and wealth management business is operated in its core footprint through its trust and wealth department under Bank of Jackson Hole, a division of NBH Bank. NBH Bank operates its core banking business under a single state charter through the following brand names as divisions of NBH Bank: in Colorado, Community Banks of Colorado and Community Banks Mortgage; in Kansas and Missouri, Bank Midwest and Bank Midwest Mortgage; in Texas, Utah, New Mexico, Idaho and Palm Beach, Florida, Vista Bank; and in Wyoming, Bank of Jackson Hole and Bank of Jackson Hole Mortgage. Additional information about National Bank Holdings Corporation can be found at www.nationalbankholdings.com. For more information visit: cobnks.com, bankmw.com, bankofjacksonhole.com, vistabank.com, or nbhbank.com, or connect with any of our brands on LinkedIn. Forward Looking Statements This press release may contain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements contain words such as “anticipate,” “believe,” “can,” “would,” “should,” “could,” “may,” “predict,” “seek,” “potential,” “will,” “estimate,” “target,” “plan,” “project,” “continuing,” “ongoing,” “expect,” “intend” or similar expressions that relate to the Company’s strategy, plans or intentions. Forward-looking statements involve certain important risks, uncertainties and other factors, any of which could cause actual results to differ materially from those in such statements. Such factors include, without limitation, the “Risk Factors” referenced in our most recent Form 10-K filed with the Securities and Exchange Commission (SEC), and other risks and uncertainties listed from time to time in our reports and documents filed with the SEC. The Company can give no assurance that any goal or plan or expectation set forth in forward-looking statements can be achieved and readers are cautioned not to place undue reliance on such statements. The forward-looking statements are made as of the date of this press release, and the Company does not intend, and assumes no obligation, to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events or circumstances, except as required by applicable law. Contact: Analysts/Institutional Investors:Emily Gooden, 720-554-6640Chief Accounting Officer and Investor Relations [email protected] Nicole Van Denabeele, 720-529-3370Chief Financial [email protected] or Media:Dave Coons, 816-298-2214SVP, Associate Director of Corporate Communications and [email protected] Source: National Bank Holdings Corporation

Track your investments for FREE with Simply Wall St, the portfolio command center trusted by over 7 million individual investors worldwide. National Bank Holdings (NBHC) is back in focus after its latest quarterly earnings and a completed share repurchase tranche, giving investors fresh data on profitability, interest income, and capital returns. See our latest analysis for National Bank Holdings. Despite a softer 7 day share price return, down 6.8%, National Bank Holdings still has a 14.33% share price return year to date and a 5 year total shareholder return of 40.32%. This suggests longer term holders have seen steadier momentum than the recent pullback implies. If recent bank earnings have you reassessing your watchlist, this could be a good moment to look beyond financials and check out 18 top founder-led companies Bulls point to National Bank Holdings' higher net interest income and ongoing buybacks, while bears highlight softer earnings per share and the recent share pullback. The key question is which side the current valuation actually supports next. The most followed narrative for National Bank Holdings pegs fair value at $48.25 per share, compared with the latest close at $43.33, so the focus shifts to whether the earnings and margin story behind that gap holds up. Read the complete narrative. Curious what kind of revenue mix and margin profile sit behind that $48.25 fair value tag? This narrative leans heavily on faster earnings growth, richer fee income and a future profit multiple that assumes management keeps delivering. The full story spells out how those ingredients are expected to work together. Result: Fair Value of $48.25 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, the National Bank Holdings story could look different if regional loan growth stays muted or if the 2UniFi rollout fails to gain meaningful customer adoption. Find out about the key risks to this National Bank Holdings narrative. The earlier narrative leans on a fair value of $48.25 per share and treats National Bank Holdings as 10.2% undervalued. On simple P/E, though, the stock trades at 19.3x earnings versus 11.9x for the wider US Banks industry and a peer average of 23.4x, while the fair ratio sits at 20.6x. That mix points to a company priced richer than the sector, slightly cheaper than close peers, and a touch below where the market could move the ratio. The key question is how much valuation risk you are comfortable taking for the growth story on offer. For a closer look at how this pricing stacks up against earnings power, margins and peers, start with the valuation breakdown in our comparison work, then pressure test your own assumptions against it, using See what the numbers say about this price — find out in our valuation breakdown. With the mixed sentiment around National Bank Holdings in mind, it makes sense to check the numbers yourself and move quickly to shape your own view. A useful place to start is with the company specific upside factors that our work highlights as potential bright spots, including 3 key rewards If National Bank Holdings is already on your radar, do not stop there. Cast the net wider now so you do not miss the next set of opportunities. Target dependable cash generators by scanning companies with strong income profiles and resilient payouts using the 9 dividend fortresses. Spot potential value opportunities early by filtering for companies that pair quality fundamentals with attractive pricing through the 49 high quality undervalued stocks. Prioritize resilience by focusing on companies assessed to have steadier business profiles and sturdier financials via the 79 resilient stocks with low risk scores. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include NBHC. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

Our analysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here. Achieved record quarterly loan originations of $927 million, driven by broad-based contributions across most asset classes and geographies rather than specific regions. Maintained a top-quartile net interest margin of 3.94% through a disciplined focus on full client relationships and a low-cost, diversified deposit franchise. Attributed loan yield compression to the churn of higher-yielding legacy loans and a strategic decision to prioritize relationship profitability over high-risk or low-margin business. Successfully integrated the Vista acquisition with core system conversions on track for completion by the third quarter, shifting focus toward compounding shareholder value. Reported improving credit trends with criticized and classified loans reaching their lowest levels since 2022, reflecting aggressive historical risk mitigation. Acknowledged underwhelming revenue from the 2UniFi fintech initiative due to a mismatch between high application volume and the bank's strict credit risk profile. Reiterated target to deliver earnings in excess of $1 per share in the fourth quarter of 2026, excluding any potential impact from strategic asset sales. Projecting full-year loan portfolio growth of 10%, supported by healthy pipelines and increasing client line utilization as economic confidence improves. Expects net interest margin to remain near 4% for the remainder of the year, assuming renewals are well-managed and new originations remain accretive. Anticipates the majority of Vista expense synergies to materialize in the fourth quarter, leading to a projected quarterly expense run rate below $80 million. Management intends to reconsider M&A opportunities only after the full completion of the Vista integration and system conversion. Recorded $11.2 million in acquisition and restructuring expenses during the quarter, which are expected to subside following the Q3 system integration. Identified fintech market volatility as a primary headwind to establishing a defined timeline for 2UniFi partnership or cost-sharing arrangements. Maintained $19.6 million in marks against the acquired loan portfolio, providing an additional 20 basis points of loss coverage beyond the formal allowance. Noted that while 2UniFi applications grew 800% over the prior quarter, many were from start-ups or sub-prime profiles that do not meet commercial banking standards. One stock. Nvidia-level potential. 30M+ investors trust Moby to find it first. Get the pick. Tap here. Management explained that 10% net growth reflects higher-than-usual acquired loan churn and price sensitivity in the current environment. The bank emphasized a willingness to let business go if it does not meet desired profitability levels or include a robust treasury management relationship. The June exit margin was right at 4% once purchase accounting volatility from earlier in the quarter was stripped out. Management expressed confidence in the 4% target because new loan origination yields of 6.4% to 6.5% remain accretive to the overall margin. The 27 basis point annualized net charge-off rate is expected to wind down as legacy issues in franchise and transportation sectors are cleared. Management noted that current charge-offs were already fully reserved for in prior periods, meaning they do not require new provision expense. Management is refining target marketing to attract established small businesses rather than the start-ups currently flooding the application pipeline. Despite slow revenue, the platform is successfully generating granular, low-cost small business deposits.

Interested in National Bank Holdings Corporation? Here are five stocks we like better. Strong Q2 performance: National Bank reported adjusted net income of $35.3 million, or $0.78 per share, with net interest income up 25% year over year and margin at 3.94%, near the top of its peer group. Record loan production drives growth outlook: The bank posted record quarterly loan originations of $927 million and said it remains on track for about 10% full-year loan growth, supported by broad-based production across markets and asset classes. Credit quality and Vista integration remain solid: Management said credit metrics stayed strong, capital levels were well above regulatory minimums, and the Vista acquisition is progressing on schedule, with integration expected to help lift revenue and expenses trending lower later in the year. National Bank (NYSE:NBHC) executives said the company delivered strong second-quarter 2026 results, citing record loan production, improving credit metrics and progress integrating the recently acquired Vista Bank. Chairman and Chief Executive Officer Tim Laney said the company posted “solid second quarter results” with “record loan production and 10% year-to-date loan growth.” He also said the company’s credit metrics reflected “prudent growth,” while its deposit base remained low-cost and diversified. → Buyback Boom: These 3 Companies Are Betting Billions on Their Own Stocks “I want to share how pleased I am with the revenue lift we’re seeing from the Vista acquisition,” Laney said, adding that all conversions related to the acquisition were targeted for completion by quarter-end. Chief Financial Officer Nicole Van Denabeele said National Bank Holdings reported adjusted net income of $35.3 million, or $0.78 per diluted share, for the second quarter. Annualized, she said that was 33% higher than the prior quarter. → 3 Photonics Companies Making Quantum Tech Possible The company’s adjusted return on average tangible assets rose 6 basis points to 1.3%, while adjusted return on average tangible equity increased 92 basis points to 12.7%. Van Denabeele said year-to-date fully taxable equivalent pre-provision net revenue increased 23% from the same period last year. Fully taxable equivalent net interest income totaled $111.5 million, up 25% from the second quarter of last year. Net interest margin was 3.94% for the quarter, which Van Denabeele said remained in the top quartile of the company’s peers. She said the company expects net interest margin to remain near 4% for the rest of the year, assuming no future Federal Reserve interest rate policy changes. → AI Data Centers Need Power, and These 2 Industrials Are Cashing In During the question-and-answer session, Van Denabeele said the company exited June with a month-end margin “right at 4%,” giving management confidence in its near-4% margin outlook. The company generated record quarterly loan originations of $927 million, driving annualized year-to-date loan growth of 10%. Van Denabeele said management expects full-year loan portfolio growth of 10%. President Aldis Birkans said year-to-date loan production totaled $1.7 billion, already exceeding total fundings for all of 2025. He said the production was broad-based across asset classes and geographies, rather than being driven by a single team or region. “That granularity matters as the whole franchise is pulling in the same direction,” Birkans said. He added that line utilization was moving toward historical averages as clients became more comfortable with the economic outlook. In response to a question from D.A. Davidson analyst Jeff Rulis about why net loan growth was not higher given the record level of fundings, Birkans said the company experienced somewhat higher loan churn, but year-to-date loan growth remained in line with expectations. Laney said the company was maintaining discipline on profitability and would allow some business to leave if it did not meet desired returns. Van Denabeele said average deposit balances grew 2.3% annualized during the quarter. Deposit costs improved by one basis point to 1.93%, while total cost of funds was 2.01%. The company ended the quarter with a loan-to-deposit ratio of 94.1%. Asked by KBW analyst Kelly Motta about funding loan growth, Birkans said the company focuses on average deposit balances to reduce the effect of quarter-end volatility. He said transaction deposits were flat on a spot basis after adjusting for tax seasonality and grew $115 million on an average basis. Credit quality remained strong, according to management. The company recorded $1.5 million of provision expense, primarily to support loan growth. Net charge-offs were 27 basis points annualized, non-performing assets were 35 basis points, and the allowance coverage ratio was 1.13%. Van Denabeele said allowance coverage on non-performing loans improved from two times to three times over the past year. The company also held $19.6 million of marks against its acquired loan portfolio, which she said would provide an additional 20 basis points of loan loss coverage if applied across the entire loan book. Laney said criticized and classified levels had declined to historical levels and that the company did not see “issues that are haunting us” in future quarters. John Steinmetz, executive vice chair and executive managing director of strategic initiatives, said classified assets were down 47% year over year. Capital levels remained above regulatory well-capitalized thresholds. Van Denabeele said the Common Equity Tier 1 ratio ended the quarter at 12.3%, while the total capital ratio was 15.4%. Tangible book value per share grew to $26.23, with earnings covering the quarterly dividend and $11 million of share repurchases. Non-interest income totaled $19.8 million, up 40% annualized from the linked quarter. Birkans said the increase was driven by service charges, card income and treasury management activity, along with contributions from trust and wealth, Cambr and SBIC income. The company expects full-year fee income to remain within its prior $75 million to $80 million guidance range. Non-interest expense totaled $95 million, including $11.2 million of acquisition and restructuring expenses. Excluding those items, non-interest expense was $83.7 million. Van Denabeele said full-year non-interest expense guidance remains $320 million to $330 million, with acquisition-related expense synergies expected to fully come online in the fourth quarter. She said fourth-quarter expenses are reasonably expected to be below $80 million. Steinmetz said the Vista integration was moving from integration work to growth initiatives, including introducing clients to treasury management, trust and wealth, residential mortgage and other products. Laney also addressed 2UniFi, saying revenue growth had been “slow in coming” but that investments remained well managed and partnership potential was “very solid.” In response to Motta, Laney said 2UniFi revenue performance had been underwhelming, though full applications rose 800% over the first quarter. He said conversions had not yet been “dialed in,” partly because many applications did not meet the company’s credit risk profile. Van Denabeele said prior guidance of $2 million to $4 million in 2UniFi revenue and $20 million to $22 million in expenses remained accurate. She said the company was confident in its overall fee income guidance regardless of where 2UniFi revenue lands. Management reiterated that it believes the company is on track to deliver earnings in excess of $1 per share in the fourth quarter of 2026. Laney said the company would continue investing in talent, opportunistically repurchasing shares and reconsidering merger-and-acquisition activity after completing the Vista integration. National Bank Holdings Corporation (NYSE: NBHC) is a diversified financial services holding company headquartered in Cape Girardeau, Missouri. Through its network of community bank subsidiaries, the company provides deposit, lending and payment solutions to consumer, small business and commercial clients across multiple U.S. markets. Since its founding in 1992, National Bank Holdings has pursued a growth strategy focused on acquiring and integrating locally branded community banks. Its footprint spans the Midwest and Southern United States, including Missouri, Kansas, Oklahoma, Texas, Colorado, Illinois and Tennessee. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "National Bank Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

This article first appeared on GuruFocus. Release Date: July 22, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. National Bank Holdings Corp (NYSE:NBHC) reported record loan production of $927 million for the quarter, contributing to a 10% year-to-date loan growth. The company achieved a strong net interest margin of 3.94%, placing it in the top quartile among peers. Credit quality remains robust with non-performing assets at a low 35 basis points and an improved allowance coverage ratio. The integration of the Vista acquisition is on track, with expected completion by the end of the quarter, leading to anticipated expense synergies. Fee income saw a significant increase, growing 40% annualized over the linked-quarter, driven by service charges, card income, and treasury management activity. The revenue performance from the 2Unify initiative has been underwhelming, with challenges in converting applications into revenue. Loan yields experienced pressure due to competition and price sensitivity, impacting overall profitability. Deposit balances showed a slight decline on a spot basis, leading to increased reliance on borrowings. Non-interest expenses increased due to acquisition and restructuring costs, with a full-year projection of $320 million to $330 million. The fintech market volatility poses challenges for strategic partnerships and potential revenue growth from 2Unify. Warning! GuruFocus has detected 6 Warning Signs with AMX. Is NBHC fairly valued? Test your thesis with our free DCF calculator. Q: Can you provide insights into the loan growth and the factors affecting the net level? A: Aldis Birkans, CFO, explained that while loan originations were strong, there was a higher loan churn, which is not unusual. Year-to-date loan growth is at 10%, aligning with expectations. Tim Laney, CEO, added that competition for higher-yielding loans and maintaining client profitability are factors influencing the net level. Q: What is the outlook for expenses, particularly after the Vista acquisition integration? A: Nicole Van Denabeele, CFO, stated that Q2 expenses were in line with expectations, and the company is on track to meet the full-year expense guidance of $320 to $330 million. The fourth quarter is expected to be the first clean quarter post-integration, with expenses projected to be below $80 million. Q: How is the company managing its net interest margin, and what are the expectations for the remainder of the year? A: Nicole Van Denabeele noted that the June month-end margin was around 4%, and the company expects to maintain a near 4% margin for the year. The cost of deposits improved, and while there was some margin compression due to loan yields, new loan origination yields remain accretive to the margin. Q: Can you update us on the performance and future expectations for the 2Unify initiative? A: Tim Laney acknowledged that revenue performance from 2Unify has been underwhelming, with a significant increase in applications but not conversions. The focus is on refining targeted marketing to attract suitable applications. Nicole Van Denabeele confirmed that the overall fee income guidance remains confident despite 2Unify's performance. Q: What is the current status of credit quality and net charge-offs? A: Tim Laney expressed confidence in the credit quality, with criticized and classified loans at historical lows. The net charge-offs were fully reserved for, indicating no new significant issues. The expectation is for net charge-offs to continue to decrease. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

DENVER, July 21, 2026 (GLOBE NEWSWIRE) -- National Bank Holdings Corporation (the “Company” or “NBHC”) reported: In announcing these results, Chief Executive Officer Tim Laney shared, “We delivered solid second quarter results, with adjusted net income of $35.3 million and earnings of $0.78 per diluted share. Our teams generated record quarterly loan fundings of $926.9 million and 10% year-to-date annualized loan growth while maintaining strong credit quality, reflecting our prudent approach to growth. We grew our adjusted pre-provision net revenue 23% annualized compared to the first six months of the prior year and maintained a top quartile net interest margin through disciplined loan and deposit pricing.” Mr. Laney added, “Our teams are well prepared to integrate our most recent acquisition this quarter and are positioned to deliver a seamless experience for clients and associates. We are seeing strong momentum across the franchise, supported by our 12.29% Common Equity Tier 1 ratio, fortress balance sheet, and diversified funding sources, which will continue to drive meaningful long-term value for shareholders.” Second Quarter 2026 Results(All comparisons refer to the first quarter of 2026, except as noted) Net income increased $5.7 million, or 27.4%, to $26.5 million, or $0.58 per diluted share, during the second quarter of 2026, compared to $20.8 million or $0.46 per diluted share. Fully taxable equivalent pre-provision net revenue increased $4.2 million, or 13.1%, to $36.3 million. The return on average tangible assets increased 17 basis points to 0.96%, and the return on average tangible common equity increased 195 basis points to 9.70%. Adjusting for $11.4 million and $15.3 million of pre-tax acquisition and restructuring related charges in the second and first quarters, respectively, adjusted net income increased $2.7 million to $35.3 million, or $0.78 per diluted share. Adjusted, the fully taxable equivalent pre-provision net revenue increased to $47.8 million. The adjusted return on average tangible assets increased six basis points to 1.26%, and the adjusted return on average tangible common equity increased 92 basis points to 12.71%. Net Interest IncomeFully taxable equivalent net interest income increased $0.5 million to $111.5 million primarily due to average interest earning assets growth of $254.0 million and one additional day during the second quarter. The fully taxable equivalent net interest margin totaled 3.94%, compared to 4.06%, narrowing 12 basis points due to a decrease in the yield on earning assets primarily driven by higher loan fee income in the prior quarter. The cost of deposits improved one basis point to 1.93%. LoansLoans increased $162.6 million, or 6.8% annualized, to $9.8 billion at June 30, 2026. We generated record quarterly loan fundings of $926.9 million, led by commercial loan fundings of $452.5 million. Asset Quality and Provision for Credit LossesThe Company maintains strong credit quality and takes a proactive approach to monitoring credit. The Company recorded provision expense of $1.5 million during the quarter, primarily driven by the quarter’s loan growth, compared to $4.0 million in the prior quarter. Annualized net charge-offs totaled 0.27% of total loans. Non-performing loans totaled 0.31% of total loans at June 30, 2026, and non-performing assets totaled 0.35% of total loans and OREO at June 30, 2026, both consistent with prior quarter. The allowance for credit losses as a percentage of loans was 1.13% at June 30, 2026, compared to 1.18%. DepositsThe Company maintains a low cost, diversified deposit franchise. Average total deposits increased $57.4 million to $10.2 billion, and average transaction deposits (defined as total deposits less time deposits) increased $115.7 million to $8.9 billion. The loan to deposit ratio totaled 94.1% at June 30, 2026, compared to 91.9%. The mix of transaction deposits to total deposits increased 16 basis points to 87.8% at June 30, 2026. Non-Interest IncomeNon-interest income increased $1.8 million, or 9.9%, to $19.8 million. Income from partnership investments increased $1.1 million and service charges and bank card fees increased $0.6 million. These increases were partially offset by the decrease in mortgage banking income driven by the current rate environment. Non-Interest ExpenseNon-interest expense improved $1.9 million to $95.0 million. Included in the second and first quarters were acquisition and restructuring related expenses of $11.2 million and $15.3 million, respectively. Excluding these items, second quarter adjusted non-interest expense totaled $83.7 million, compared to $81.5 million. The increase reflects strategic investments in talent, merit increases, and one additional day in the second quarter. The fully taxable equivalent efficiency ratio improved 277 basis points to 72.3%. The adjusted fully taxable equivalent efficiency ratio totaled 61.8%, compared to 61.3%. Income tax expense totaled $6.1 million, compared to $5.2 million in the previous quarter, driven by higher pre-tax income in the current quarter. The effective tax rate was 18.8%. CapitalCommon book value per share increased $0.23 to $37.48 at June 30, 2026, compared to March 31, 2026. Tangible book value per share increased $0.22 to $26.23, primarily driven by the quarter’s earnings after covering the quarterly dividend. NBHC executed $11.1 million of share buybacks in the second quarter as part of its ongoing capital strategy. Capital ratios continue to be well in excess of federal bank regulatory agency “well capitalized” thresholds. The tier 1 leverage ratio totaled 10.30%, and the common equity tier 1 capital ratio totaled 12.29% at June 30, 2026. Shareholders’ equity increased $4.2 million to $1.7 billion at June 30, 2026, compared to March 31, 2026, primarily driven by $11.9 million of growth in retained earnings from net income after covering the quarter’s dividend and share buybacks. Year-Over-Year Review(All comparisons refer to the first six months of 2025, except as noted) Net income totaled $47.3 million, or $1.04 per diluted share, compared to $58.3 million or $1.51 per diluted share. Fully taxable equivalent pre-provision net revenue totaled $68.5 million, compared to $85.4 million. The return on average tangible assets totaled 0.87%, compared to 1.29%, and the return on average tangible common equity totaled 8.62%, compared to 12.44%. Adjusting for $26.8 million of pre-tax acquisition and restructuring related charges, adjusted net income increased $9.7 million, or 16.6%, to $67.9 million or $1.50 per diluted share. Adjusted, the fully taxable equivalent pre-provision net revenue increased $9.9 million, or 11.5%, to $95.3 million. The adjusted return on average tangible assets totaled 1.23%, and the adjusted return on average tangible common equity totaled 12.11%. Fully taxable equivalent net interest income increased $44.6 million, or 25.1%, to $222.5 million. Average earning assets increased $2.1 billion, or 23.2%, driven by a $1.6 billion increase in average acquired loans and $232.4 million of average originated loan growth. Our Vista acquisition added $1.9 billion in total loans on January 7th, 2026. The fully taxable equivalent net interest margin expanded six basis points to 4.00%, driven by an eight basis point improvement in the cost of funds. Loans outstanding increased $2.3 billion, or 30.5%, to $9.8 billion. New loan fundings over the trailing twelve months totaled a record $2.7 billion, led by commercial fundings of $1.6 billion. The Company recorded $5.5 million of provision expense for credit losses, compared to $10.2 million. Net charge-offs totaled 0.30% of average total loans, compared to 0.43%. Non-performing loans improved 14 basis points to 0.31% of total loans at June 30, 2026, and non-performing assets improved 10 basis points to 0.35% of total loans and OREO at June 30, 2026. The allowance for credit losses as a percentage of loans totaled 1.13% at June 30, 2026, compared to 1.19% at June 30, 2025. Average deposits increased $1.9 billion to $10.2 billion, and average transaction deposits increased $1.7 billion to $8.9 billion compared to the same period prior year. The mix of transaction deposits to total deposits increased 77 basis points to 87.8% at June 30, 2026. Non-interest income increased $5.3 million, or 16.3%, to $37.7 million, primarily driven by increases in our diversified sources of fee income including service charges and bank card fees, income from partnership investments, swap fee income, and trust income. Non-interest expense totaled $191.8 million, which included $26.6 million of acquisition and restructuring expenses, compared to non-interest expense of $124.9 million in the same period prior year. Excluding these items, the current period adjusted non-interest expense totaled $165.2 million, increasing from the same period prior year primarily due to our recent acquisition. Occupancy and equipment expense increased $11.7 million primarily driven by the 2UniFiSM capitalized asset depreciation in connection with the launch of 2UniFi in the third quarter of 2025. The fully taxable equivalent efficiency ratio totaled 73.7%, compared to 59.4% in the same period prior year. The adjusted fully taxable equivalent efficiency ratio totaled 61.6% for the six months ended June 30, 2026. Income tax expense totaled $11.3 million, compared to $13.1 million in the same period prior year, and the effective tax rate was 19.2%, compared to 18.8% in the prior year. Conference CallManagement will host a conference call to review the results at 11:00 a.m. Eastern Time on Wednesday, July 22, 2026. The call may also include discussion of company developments, forward-looking statements and other material information about business and financial matters. Interested parties may listen to this call by dialing (800) 330-6710 using the participant passcode of 8928718 and asking for the NBHC Q2 2026 Earnings Call. The earnings release and a link to the replay of the call will be available on the Company’s website at www.nationalbankholdings.com by visiting the investor relations area. About National Bank Holdings CorporationNational Bank Holdings Corporation is a bank holding company created to build a leading community bank franchise, delivering high quality client service and committed to stakeholder results. Through its bank subsidiaries, NBH Bank and Bank of Jackson Hole Trust, National Bank Holdings Corporation operates a network of over 90 banking centers, serving individual consumers, small, medium and large businesses, and government and non-profit entities. Its banking centers are located in its core footprint of Colorado, the greater Kansas City region, Texas, Utah, Wyoming, New Mexico, Idaho, and Palm Beach, Florida. Its comprehensive residential mortgage banking group primarily serves the bank’s core footprint. Its trust and wealth management business is operated through its trust and wealth department under Bank of Jackson Hole, a division of NBH Bank. NBH Bank operates its core banking business under a single state charter through the following brand names as divisions of NBH Bank: in Colorado, Community Banks of Colorado and Community Banks Mortgage; in Kansas and Missouri, Bank Midwest and Bank Midwest Mortgage; in Texas, Vista Bank and Hillcrest Bank; in Utah, New Mexico and Idaho, Hillcrest Bank and Hillcrest Bank Mortgage; in Palm Beach, Florida, Vista Bank; and in Wyoming, Bank of Jackson Hole and Bank of Jackson Hole Mortgage. Additional information about National Bank Holdings Corporation can be found at www.nationalbankholdings.com. For more information visit: cobnks.com, bankmw.com, hillcrestbank.com, bankofjacksonhole.com, vistabank.com, or nbhbank.com, or connect with any of our brands on LinkedIn. About Non-GAAP Financial MeasuresCertain financial measures and ratios we present are supplemental measures that are not required by, or are not presented in accordance with, U.S. generally accepted accounting principles (GAAP). We refer to these financial measures and ratios as “non-GAAP financial measures.” We consider the use of select non-GAAP financial measures and ratios to be useful for financial and operational decision making and useful in evaluating period-to-period comparisons. We believe that these non-GAAP financial measures provide meaningful supplemental information regarding our performance by excluding certain expenditures or assets that we believe are not indicative of our primary business operating results. We believe that management and investors benefit from referring to these non-GAAP financial measures in assessing our performance and when planning, forecasting, analyzing and comparing past, present and future periods. These non-GAAP financial measures should not be considered a substitute for financial information presented in accordance with GAAP and you should not rely on non-GAAP financial measures alone as measures of our performance. The non-GAAP financial measures we present may differ from non-GAAP financial measures used by our peers or other companies. We compensate for these differences by providing the equivalent GAAP measures whenever we present the non-GAAP financial measures and by including a reconciliation of the impact of the components adjusted for in the non-GAAP financial measure so that both measures and the individual components may be considered when analyzing our performance. A reconciliation of non-GAAP financial measures to the comparable GAAP financial measures is included at the end of the financial statement tables. Forward-Looking StatementsThis press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements do not discuss historical facts but instead relate to expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance. Forward-looking statements are generally identified by words such as “anticipate,” “believe,” “can,” “would,” “should,” “could,” “may,” “predict,” “seek,” “potential,” “will,” “estimate,” “target,” “plan,” “projected,” “continuing,” “ongoing,” “expect,” “intend,” “goal,” “focus,” “maintains,” “future,” “ultimately,” “likely,” “ensure,” “strategy,” “objective,” and similar words or phrases. These statements are only predictions and involve estimates, known and unknown risks, assumptions and uncertainties. We have based these statements largely on our current expectations and projections about future events and financial trends that we believe may affect our financial condition, liquidity, results of operations, business strategy and growth prospects. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements due to a number of factors, including, but not limited to, business and economic conditions along with external events, both generally and in the financial services industry; susceptibility to credit risk and fluctuations in the value of real estate and other collateral securing a significant portion of our loan portfolio, including with regards to real estate acquired through foreclosure, and the accuracy of appraisals related to such real estate; changes impacting monetary supply and the businesses of our clients and counterparties, including levels of market interest rates, inflation, currency values, monetary, fiscal, and international trade policy, and the volatility of trading markets; our ability to maintain sufficient liquidity to meet the requirements of deposit withdrawals and other business needs; our desire to raise additional capital in connection with strategic growth initiatives and our ability to access the capital markets when desired or on favorable terms; changes in the fair value of our investment securities can fluctuate due to market conditions outside of our control; our investments in financial technology companies and initiatives may subject us to material financial, reputational and strategic risks; the allowance for credit losses and fair value adjustments may be insufficient to absorb losses in our loan portfolio; any service interruptions, cyber incidents or other breaches relating to our technology systems, security systems or infrastructure or those of our third-party providers; the occurrence of fraud or other financial crimes within our business; competition from other financial services providers, including traditional financial institutions and financial technology companies, and the effects of disintermediation within the banking business including consolidation within the industry; changes to federal government lending programs like the Small Business Administration’s Preferred Lender Program and the Federal Housing Administration’s insurance programs, including the impact of changes in regulations, budget appropriations and a prolonged government shutdown on such programs; impairment of our mortgage servicing rights, disruption in the secondary market for mortgage loans, declines in real estate values, or being required to repurchase mortgage loans or reimburse investors; claims and litigation related to our fiduciary responsibilities in connection with our trust and wealth business; our ability to manage and execute our organic growth and acquisition strategies, including our ability to realize the expected benefits of our acquisition strategies; developments in technology, such as artificial intelligence, the success of our digital growth strategy, and our ability to incorporate innovative technologies in our business and provide products and services that satisfy our clients’ expectations for convenience and security; our ability to integrate Vista Bank into our business may be more difficult, costly or time consuming than expected and we may fail to realize the anticipated benefits or cost savings of the merger; failure to obtain regulatory approvals or consummate attractive acquisitions or continue to increase organic loan growth would restrict our growth plans; the accuracy of projected operating results for assets and businesses we acquire as well as our ability to drive organic loan growth to replace loans in our existing portfolio with comparable loans as loans are paid down; our ability to comply with and manage costs related to extensive and potentially expanding government regulation and supervision, including current and future regulations affecting bank holding companies and depository institutions; our ability to execute our capital allocation strategy, including paying dividends or repurchasing shares, is subject to regulatory limitations; the application of any increased assessment rates imposed by the Federal Deposit Insurance Corporation; claims or legal action brought against us by third parties or government agencies; the loss of our executive officers and key personnel; changes to federal, state and local laws and regulations along with executive orders applicable to our business, including tax laws; and other factors, risks, trends and uncertainties described elsewhere in our other filings with the Securities and Exchange Commission. The forward-looking statements are made as of the date of this press release, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events or circumstances, except as required by applicable law. Contacts:Analysts/Institutional Investors:Emily Gooden, Chief Accounting Officer and Investor Relations Director, (720) 554-6640, [email protected] Van Denabeele, Chief Financial Officer, (720) 529-3370, [email protected] Media:Dave Coons, SVP, Associate Director of Corporate Communications and Marketing, (816) 298-2214, [email protected]

National Bank Holdings (NBHC) came out with quarterly earnings of $0.78 per share, missing the Zacks Consensus Estimate of $0.83 per share. This compares to earnings of $0.88 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of -6.02%. A quarter ago, it was expected that this holding company for NBH Bank would post earnings of $0.59 per share when it actually produced earnings of $0.72, delivering a surprise of +22.03%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. National Bank Holdings, which belongs to the Zacks Banks - Southeast industry, posted revenues of $131.3 million for the quarter ended June 2026, missing the Zacks Consensus Estimate by 2.89%. This compares to year-ago revenues of $104.47 million. The company has not been able to beat consensus revenue estimates over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. National Bank Holdings shares have added about 20.4% since the beginning of the year versus the S&P 500's gain of 8.7%. While National Bank Holdings has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for National Bank Holdings was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.90 on $139.7 million in revenues for the coming quarter and $3.51 on $546.6 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 37% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Another stock from the same industry, Amerant Bancorp Inc. (AMTB), has yet to report results for the quarter ended June 2026. The results are expected to be released on July 23. This company is expected to post quarterly earnings of $0.41 per share in its upcoming report, which represents a year-over-year change of -28.1%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Amerant Bancorp Inc.'s revenues are expected to be $98.58 million, down 10.6% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report National Bank Holdings Corporation (NBHC) : Free Stock Analysis Report Amerant Bancorp Inc. (AMTB) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

DENVER, July 08, 2026 (GLOBE NEWSWIRE) -- National Bank Holdings Corporation (NYSE: NBHC) expects to report its second quarter 2026 financial results after the markets close on Tuesday, July 21, 2026. Management will host a conference call to review the results at 11:00 a.m. Eastern Time on Wednesday, July 22, 2026. The call may also include discussion of company developments, forward-looking statements and other material information about business and financial matters. Interested parties may listen to this call by dialing 800-330-6710 using the participant passcode of 8928718 and asking for the NBHC Q2 2026 Earnings Call. A recording of the call will be available approximately four hours after the call’s completion on the company’s website at www.nationalbankholdings.com by visiting the investor relations area. About National Bank Holdings Corporation National Bank Holdings Corporation is a bank holding company created to build a leading community bank franchise delivering high quality client service and committed to stakeholder results. Through its bank subsidiaries, NBH Bank and Bank of Jackson Hole Trust, National Bank Holdings Corporation operates a network of over 90 banking centers, serving individual consumers, small, medium and large businesses, and government and non-profit entities. Its banking centers are located in its core footprint of Colorado, the greater Kansas City region, Texas, Utah, Wyoming, New Mexico, Idaho and Palm Beach, Florida. Its comprehensive residential mortgage banking group primarily serves the bank’s core footprint. Its trust and wealth management business is operated in its core footprint through its trust and wealth department under Bank of Jackson Hole, a division of NBH Bank. NBH Bank operates its core banking business under a single state charter through the following brand names as divisions of NBH Bank: in Colorado, Community Banks of Colorado and Community Banks Mortgage; in Kansas and Missouri, Bank Midwest and Bank Midwest Mortgage; in Texas, Vista Bank and Hillcrest Bank; in Utah, New Mexico and Idaho, Hillcrest Bank and Hillcrest Bank Mortgage; in Palm Beach, Florida, Vista Bank; and in Wyoming, Bank of Jackson Hole and Bank of Jackson Hole Mortgage. Additional information about National Bank Holdings Corporation can be found at www.nationalbankholdings.com. For more information visit: cobnks.com, bankmw.com, hillcrestbank.com, bankofjacksonhole.com, vistabank.com, or nbhbank.com. Or connect with any of our brands on LinkedIn. Source: National Bank Holdings Corporation

As the Q1 earnings season wraps, let’s dig into this quarter’s best and worst performers in the regional banks industry, including National Bank Holdings (NYSE:NBHC) and its peers. Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges. The 91 regional banks stocks we track reported a slower Q1. As a group, revenues were in line with analysts’ consensus estimates. In light of this news, share prices of the companies have held steady as they are up 2% on average since the latest earnings results. Operating under familiar local brands like Community Banks of Colorado, Bank Midwest, and Bank of Jackson Hole, National Bank Holdings (NYSE:NBHC) operates regional banks across Colorado, Kansas, Missouri, Wyoming, Texas, and other western states, offering commercial, business, and consumer banking services. National Bank Holdings reported revenues of $126.6 million, up 24% year on year. This print fell short of analysts’ expectations by 1.6%. Overall, it was a slower quarter for the company with a significant miss of analysts’ net interest income and revenue estimates. Interestingly, the stock is up 1.3% since reporting and currently trades at $42.71. Read our full report on National Bank Holdings here, it’s free. With roots dating back to 1913 and a name derived from "United Missouri Bank," UMB Financial (NASDAQ:UMBF) is a financial holding company that provides banking, asset management, and fund services to commercial, institutional, and individual customers. UMB Financial reported revenues of $744.8 million, up 29.3% year on year, outperforming analysts’ expectations by 5.4%. The business had an exceptional quarter with a beat of analysts’ EPS and net interest income estimates. UMB Financial scored the biggest analyst estimate beat among its peers. The market seems happy with the results as the stock is up 5.2% since reporting. It currently trades at $131.83. Is now the time to buy UMB Financial? Access our full analysis of the earnings results here, it’s free. Born from the ashes of a failed Florida thrift during the 2009 financial crisis, BankUnited (NYSE:BKU) is a regional bank that provides commercial lending, deposit services, and treasury solutions to businesses and consumers primarily in Florida and the New York metropolitan area. BankUnited reported revenues of $273.8 million, up 6.1% year on year, falling short of analysts’ expectations by 5.1%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue and net interest income estimates. Interestingly, the stock is up 1.9% since the results and currently trades at $47.67. Read our full analysis of BankUnited’s results here. Tracing its roots back to 1971 and expanding significantly through both organic growth and strategic acquisitions, Ameris Bancorp (NYSE:ABCB) is a financial holding company that provides a full range of banking services to retail and commercial customers across select markets in the southeastern United States. Ameris Bancorp reported revenues of $315.3 million, up 10% year on year. This print surpassed analysts’ expectations by 2.1%. Zooming out, it was a satisfactory quarter as it also recorded a solid beat of analysts’ revenue and tangible book value per share estimates. The stock is up 1.7% since reporting and currently trades at $86.09. Read our full, actionable report on Ameris Bancorp here, it’s free. Originally founded in 1964 as a federal savings and loan institution, OFG Bancorp (NYSE:OFG) provides banking and financial services including commercial and consumer lending, wealth management, insurance, and trust services primarily in Puerto Rico and the U.S. Virgin Islands. OFG Bancorp reported revenues of $185.8 million, up 4.2% year on year. This number beat analysts’ expectations by 4.8%. Overall, it was an exceptional quarter as it also produced a beat of analysts’ EPS and revenue estimates. The stock is up 9.8% since reporting and currently trades at $46.72. Read our full, actionable report on OFG Bancorp here, it’s free. Late in 2025 into early 2026, there was hand-wringing around artificial intelligence. For software companies, the fear was that AI would erode pricing power and compress margins as new tools made it easier to replicate what once required expensive enterprise platforms. Crypto investors had their own version of the same anxiety: if AI agents could trade, allocate capital, and manage wallets autonomously, what exactly was the long-term value of today’s crypto infrastructure? These concerns triggered a noticeable rotation away from these sectors and into safer havens. But markets rarely dwell on one narrative for long. Spring 2026 came, and the focus shifted abruptly from technological disruption to geopolitical risk. The US’ conflict with Iran became the dominant driver of market psychology, and when geopolitics takes center stage, the script changes quickly. 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