National Bank Holdings Corporat — Earnings Quality Grade A
NBHC · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 2.5%, CFFO 4.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -13.5% vs revenue 2.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.48. Profits backed by cash
FCF $0.1B, FCF/NI = 1.21
Accruals ratio = -0.5%. Low accruals
Cash $0.4B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.4B = 26% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
National Bank Holdings Corporat is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25