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NBHC vs V

NBHC
National Bank Holdings Corporation
NEUTRAL
Price
$42.22
Market Cap
$1.89B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
NBHC
15.75
V
28.35
Forward P/E
NBHC
10.23
V
20.79
P/B Ratio
NBHC
1.15
V
15.09
P/S Ratio
NBHC
4.4
V
14.08
EV/EBITDA
NBHC
--
V
20.06

Profitability

Gross Margin
NBHC
0.0%
V
97.78%
Operating Margin
NBHC
23.14%
V
68.3%
Profit Margin
NBHC
24.73%
V
50.23%
ROE
NBHC
7.09%
V
53.95%
ROA
NBHC
0.94%
V
18.36%

Growth

Revenue Growth
NBHC
33.7%
V
14.6%
Earnings Growth
NBHC
-27.0%
V
17.4%

Financial Health

Debt/Equity
NBHC
--
V
0.55
Current Ratio
NBHC
--
V
1.11
Quick Ratio
NBHC
--
V
0.72

Dividends

Dividend Yield
NBHC
3.03%
V
0.89%
Payout Ratio
NBHC
45.9%
V
22.91%

AI Verdict

NBHC NEUTRAL

NBHC presents a contradictory profile characterized by a very weak Piotroski F-Score of 2/9, indicating significant deterioration in fundamental financial health. While the stock trades below its Graham Number ($47.02), suggesting defensive value, it is priced far above its growth-based intrinsic value ($18.76). Strong top-line revenue growth (33.7%) is currently offset by a sharp decline in earnings growth (-27%), creating a divergence between scale and profitability. Despite bullish analyst targets, the combination of poor health scores, bearish insider sentiment, and negative earnings momentum warrants a cautious approach.

Strengths
Trades below the Graham Number ($47.02), providing a defensive valuation floor
Strong year-over-year revenue growth of 33.70%
Attractive and sustainable dividend profile with a 45.90% payout ratio
Risks
Critical financial health warning indicated by a Piotroski F-Score of 2/9
Significant earnings contraction with YoY growth at -27.00%
Bearish insider activity with net selling in the last 6 months
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

NBHC vs V: Head-to-Head Comparison

This page compares National Bank Holdings Corporation (NBHC) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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