Analyst Ratings

Date	Action	Analyst	Rating	Target
Apr-27-26	Reiterated	Piper Sandler	Overweight	$48 → $52
Nov-10-25	Reiterated	Stephens		$49 → $42
Sep-17-25	Reiterated	Bank of America Securities		$44 → $45
Apr-23-25	Reiterated	DA Davidson	Buy	$53 → $42
Apr-02-25	Reiterated	Hovde Group	Market Perform	$43
Nov-18-24	Downgrade	Hovde Group	Outperform → Market Perform
Oct-24-24	Reiterated	Stephens		$46 → $49
Oct-24-24	Reiterated	Piper Sandler	Neutral	$46 → $48
Oct-24-24	Reiterated	DA Davidson	Buy	$51 → $53
Jul-25-24	Reiterated	D.A. Davidson	Buy	$45 → $51

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023
Total Revenue	617	584	594	Upgrade your experience to unlock full historical data
Cost of Goods Sold Incl. D&A	181	180	200
Gross Profit	436	404	395
Selling, General and Administrative Excl. Other	120	155	156
Research and Development	0	0	0
Other Operating Expense	177	106	93
Operating Income	139	143	145
Interest Expense	178	171	193
Unusual Expense	—	—	—
Non-Operating Income (Expense)	0	0	0
Net Income Before Taxes	130	134	145
Income Taxes	24	24	26
Consolidated Net Income	106	110	119
Net Income From Continuing Operations	106	110	119
Net Income	106	110	119
EPS (Recurring)	2.77	2.86	3.10
EPS (Basic, Before Extraordinaries)	2.77	2.86	3.10
EPS (Diluted)	2.76	2.85	3.08
EBITDA	163	165	169
Other After Tax Adjustments	—	—	—
Stock Option Compensation Expense	—	—	—
Price To Earnings Ratio	15.51	13.34	—
Price To Sales Ratio	2.64	2.47	—
Gross Margin	70.66	69.18	66.50
Operating Margin	22.53	24.49	24.41
Net Margin	17.18	18.84	20.03
Shares Outstanding	38	38	38
Market Capitalization	1,627	1,444	—
Operating Lease Expense	—	—	—

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Spring Maria F	Director	May 20 '26	Sale	41.84	963	40,292	37,157	May 21 12:00 AM
PETRUCCI ANGELA NICOLE	CHIEF ADMIN OFFICER	Feb 24 '26	Option Exercise	19.56	1,350	26,406	19,911	Feb 26 12:00 AM
Birkans Aldis	PRESIDENT	Feb 11 '26	Option Exercise	19.56	6,160	120,490	249,503	Feb 12 12:00 AM
Steinmetz John	Exec Mng Dir of Strategic Init	Feb 11 '26	Buy	41.41	24,200	1,002,122	536,504	Feb 12 12:00 AM
Spring Maria F	Director	Nov 11 '25	Sale	37.14	6,214	230,788	35,663	Nov 12 12:00 AM
Spring Maria F	Director	May 27 '25	Sale	37.02	1,167	43,202	42,573	May 29 12:00 AM
Newfield Richard U Jr.	CHIEF RISK MNGMT OFFICER	Nov 13 '24	Option Exercise	23.10	38,518	889,766	162,469	Nov 15 12:00 AM
Newfield Richard U Jr.	CHIEF RISK MNGMT OFFICER	Nov 13 '24	Sale	49.81	19,259	959,291	143,210	Nov 15 12:00 AM
Kramer Valerie D.	Chief Digital Officer	Nov 11 '24	Sale	50.11	897	44,949	9,755	Nov 12 12:00 AM
Kramer Valerie D.	Chief Digital Officer	Nov 08 '24	Option Exercise	33.70	2,550	85,944	11,927	Nov 12 12:00 AM
Kramer Valerie D.	Chief Digital Officer	Nov 08 '24	Sale	49.62	1,275	63,266	10,652	Nov 12 12:00 AM
PETRUCCI ANGELA NICOLE	CHIEF ADMIN OFFICER	Oct 29 '24	Option Exercise	20.33	822	16,712	15,862	Oct 31 12:00 AM
Randall Christopher S.	EVP, COMM. & SPECIALTY BANKING	Sep 03 '24	Sale	43.51	3,750	163,163	14,365	Sep 05 12:00 AM
LANEY G. TIMOTHY	CHIEF EXECUTIVE OFFICER	Aug 26 '24	Sale	43.34	16,063	696,170	256,026	Aug 28 12:00 AM
Clermont Ralph W	Director	Aug 23 '24	Sale	44.18	10,000	441,800	66,653	Aug 27 12:00 AM


Market Cap	1.60B	Forward P/E	10.37	EPS next Y	4.13	Insider Trans	0.07%	Shs Float	-	Perf Month	3.88%


Enterprise Value	1.34B	PEG	-	EPS next Q	0.83	Inst Own	-	Short Float	-	Perf Quarter	12.68%


Income	105.60M	P/S	2.59	EPS this Y	25.72%	Inst Trans	-	Short Ratio	-	Perf Half Y	7.13%


Sales	616.83M	P/B	0.96	EPS next Y	18.95%	ROA	0.84%	Short Interest	-	Perf YTD	12.65%


Book/sh	37.17	P/C	24.32	EPS next 5Y	18.95%	ROE	7.35%	52W High	44.12 -2.95%	Perf Year	20.21%


Cash/sh	24.07	P/FCF	70.72	EPS past 3/5Y	-	ROIC	0.90%	52W Low	35.06 22.13%	Perf 3Y	-


Dividend Est.	1.25 (2.92%)	EV/EBITDA	8.22	Sales past 3/5Y	18.95% 10.53%	Gross Margin	70.68%	Volatility	1.60% 1.57%	Perf 5Y	-


Dividend TTM	1.25 (2.92%)	EV/Sales	2.17	EPS Y/Y TTM	2.60%	Oper. Margin	22.51%	ATR (14)	0.98	Perf 10Y	-


Dividend Ex-Date	May 29, 2026	Quick Ratio	63.44	Sales Y/Y TTM	3.87%	Profit Margin	17.21%	RSI (14)	54.44	Recom	2.90


Dividend Gr. 3/5Y	8.48% 8.45%	Current Ratio	63.44	EPS Q/Q	14.29%	SMA20	1.36%	Beta	0.81	Target Price	52.00


Payout	46.65%	Debt/Eq	0.13	Sales Q/Q	22.92%	SMA50	1.54%	Rel Volume	2.51	Prev Close	42.02


Employees	1,259	LT Debt/Eq	0.04	Earnings	Jul 28	SMA200	7.77%	Avg Volume	352.46K	Price	42.82


IPO Date	Sep 20, 2012	Option/Short	Yes / Yes	EPS/Sales Surpr.	22.03% -3.05%	Net Debt/EBITDA	-1.55	Volume	883,996	Change	1.90%

NBHC