The headline miss on both EPS and revenue will likely pressure NBHC shares in the near term. However, the adjusted EPS of $0.78 and record loan originations suggest underlying operational strength. Watch for management's commentary on the earnings call regarding guidance and integration of the Vista acquisition to assess if the miss is transitory.
Price Chart
Executive Summary
NBHC reported Q2 2026 GAAP EPS of $0.58, a 28.4% miss vs consensus of $0.81, and revenue of $129.1M missed the $135.3M estimate by 4.6%. The miss was driven by $11.4M in acquisition and restructuring charges, though adjusted EPS of $0.78 was closer to consensus. Record quarterly loan fundings of $926.9M and YoY revenue growth of 23.6% were overshadowed by the headline earnings shortfall.
Key Financial Metrics
Key Facts
- GAAP diluted EPS of $0.58 vs consensus $0.81 (-28.4% miss)
- Total revenue of $129.1M vs consensus $135.3M (-4.6% miss)
- Adjusted EPS (non-GAAP) of $0.78, still below consensus
- Record quarterly loan fundings of $926.9M, led by commercial loans
- Net interest margin (FTE) narrowed 12 bps QoQ to 3.94%
- Net income of $26.5M, up 27.4% QoQ but down 22.1% YoY
- Executed $11.1M in share buybacks during Q2
- Common equity tier 1 ratio of 12.29%, well above well-capitalized thresholds
Financial Impact
EPS miss of $0.23 per share (28.4%) and revenue miss of $6.2M (4.6%)
Risk Factors
- Further net interest margin compression if deposit costs rise faster than asset yields
- Integration costs from the Vista acquisition may continue to weigh on reported earnings
- Credit quality deterioration if economic conditions weaken
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3330966 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | 8-K | $37.75 | awaiting T+5 | — | $38.98 (−3.26%) |
Oct 27, 2026 today | Press Release | $39.31 | awaiting T+5 | — | $38.98 (+0.84%) |
Oct 8, 2026 19d ago | SC 13G | $38.18 $37.74 | ▼ −1.15% | ▼ −0.88% | $38.98 (+2.10%) |
Oct 1, 2026 26d ago | 8-K | $38.06 $37.93 | ▲ +0.34% | ▲ +1.50% | $38.98 (−2.42%) |
Jul 27, 2026 13w ago | 8-K | $42.63 $43.19 | ▲ +1.31% | ▼ −0.96% | $38.98 (−8.56%) |
Jul 21, 2026 14w ago | Press Release | $43.70 $42.57 | ▲ +2.59% | ▲ +0.18% | $38.98 (+10.80%) |
Apr 21, 2026 27w ago | 8-K | $41.53 $43.05 | ▲ +3.66% | ▲ +3.61% | $38.98 (−6.14%) |
Apr 21, 2026 27w ago | Press Release | $41.53 $43.05 | ▲ +3.66% | ▲ +3.61% | $38.98 (−6.14%) |
Apr 8, 2026 28w ago | Press Release | $42.02 $41.25 | ▼ −1.83% | ▼ −5.02% | $38.98 (−7.23%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers