National Bank Holdings Corporation cash flow to debt ratio of 225.93% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

National Bank Holdings Corporation's free cash flow has increased 9.79% from $120.68M last year to $132.50M, signaling increasing performance

National Bank Holdings Corporation's debt to equity ratio is 0.21, which means that the company's assets are healthy financed, signaling financial stability.

National Bank Holdings Corporation's debt has increased relative to shareholder equity from 0.09 last year to 0.21 today, signaling weakened financials

National Bank Holdings Corporation has a net cash position, so leverage is healthy.

National Bank Holdings Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

National Bank Holdings Corporation's profit margin has decreased (17.43%) in the last year from 19.99% to 16.51%, signaling decreasing performance

National Bank Holdings Corporation's short-term liabilities of $3.46B exceed its short-term assets of $945.70M, signaling financial risk

National Bank Holdings Corporation's return on assets of 0.78% is lower than the 5.00% threshold, indicating inefficient asset utilization

National Bank Holdings Corporation's return on equity of 6.47%, is lower than 15.00%, indicating bad performance

National Bank Holdings Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

National Bank Holdings Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

National Bank Holdings Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

National Bank Holdings Corporation has a free cash flow yield of 6.90%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

National Bank Holdings Corporation's yearly earnings has decreased 7.78% since last year from $118.81M to $109.57M, signaling decreasing performance

National Bank Holdings Corporation's yearly revenue has decreased 1.75% since last year from $594.31M to $583.94M, signaling decreasing performance

ROIC 0.84% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

National Bank Holdings Corporation's 3-year revenue CAGR of 19.00% is positive, indicating growing revenue over the past 3 years

National Bank Holdings Corporation had revenue growth in 3 out of 5 years, indicating consistent revenue performance

National Bank Holdings Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

National Bank Holdings Corporation has insufficient data to evaluate this check.

National Bank Holdings Corporation has an earnings yield of 6.02%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

National Bank Holdings Corporation is overvalued relative to its fair value price of 39.43 based on EBITDA multiple model

National Bank Holdings Corporation has an EV/EBITDA ratio of 6.37x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

National Bank Holdings Corporation is undervalued relative to its fair value price of 76.23 based on Earnings Fair Value model

National Bank Holdings Corporation's earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

National Bank Holdings Corporation has a price-to-book ratio of 0.98x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

National Bank Holdings Corporation has a price-to-sales ratio of 2.74x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue