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Financial Services - Banks - Regional - NYSE - US
$ 44.09
0.939 %
$ 1.68 B
Market Cap
13.65
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one NBHC stock under the worst case scenario is HIDDEN Compared to the current market price of 44.1 USD, National Bank Holdings Corporation is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one NBHC stock under the base case scenario is HIDDEN Compared to the current market price of 44.1 USD, National Bank Holdings Corporation is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one NBHC stock under the best case scenario is HIDDEN Compared to the current market price of 44.1 USD, National Bank Holdings Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS
FINANCIALS
420 M REVENUE
23.45%
180 M OPERATING INCOME
64.27%
142 M NET INCOME
99.30%
167 M OPERATING CASH FLOW
-22.22%
-404 M INVESTING CASH FLOW
46.28%
231 M FINANCING CASH FLOW
302.20%
105 M REVENUE
-28.54%
39.9 M OPERATING INCOME
13.42%
33 M NET INCOME
26.76%
50.6 M OPERATING CASH FLOW
44.84%
-91.4 M INVESTING CASH FLOW
-41.59%
76.6 M FINANCING CASH FLOW
164.75%
Balance Sheet National Bank Holdings Corporation
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Current Assets 191 M
Cash & Short-Term Investments 191 M
Receivables 0
Other Current Assets 0
Non-Current Assets 9.75 B
Long-Term Investments 1.26 B
PP&E 192 M
Other Non-Current Assets 8.3 B
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 8.74 B
Long-Term Debt 394 M
Other Non-Current Liabilities 8.34 B
EFFICIENCY
Earnings Waterfall National Bank Holdings Corporation
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Revenue 420 M
Cost Of Revenue 2.53 M
Gross Profit 418 M
Operating Expenses 420 M
Operating Income 180 M
Other Expenses 37.9 M
Net Income 142 M
RATIOS
99.40% GROSS MARGIN
99.40%
42.84% OPERATING MARGIN
42.84%
33.81% NET MARGIN
33.81%
11.71% ROE
11.71%
1.43% ROA
1.43%
9.06% ROIC
9.06%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis National Bank Holdings Corporation
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Net Income 142 M
Depreciation & Amortization 23.9 M
Capital Expenditures -36.8 M
Stock-Based Compensation 7.22 M
Change in Working Capital -13.2 M
Others -6.24 M
Free Cash Flow 130 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets National Bank Holdings Corporation
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Wall Street analysts predict an average 1-year price target for NBHC of $48.7 , with forecasts ranging from a low of $45 to a high of $53 .
NBHC Lowest Price Target Wall Street Target
45 USD 2.06%
NBHC Average Price Target Wall Street Target
48.7 USD 10.38%
NBHC Highest Price Target Wall Street Target
53 USD 20.21%
4. DIVIDEND ANALYSIS
0.67% DIVIDEND YIELD
0.29 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership National Bank Holdings Corporation
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Sold
0-3 MONTHS
1.07 M USD 2
3-6 MONTHS
5.15 M USD 8
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
2 months ago
Nov 13, 2024
Sell 959 K USD
Newfield Richard U Jr.
CHIEF RISK MNGMT OFFICER
- 19259
49.81 USD
2 months ago
Nov 08, 2024
Sell 63.3 K USD
Kramer Valerie D.
Chief Digital Officer
- 1275
49.62 USD
2 months ago
Nov 11, 2024
Sell 44.9 K USD
Kramer Valerie D.
Chief Digital Officer
- 897
50.11 USD
4 months ago
Sep 03, 2024
Sell 163 K USD
Randall Christopher S.
EVP, COMM. & SPECIALTY BANKING
- 3750
43.51 USD
4 months ago
Aug 26, 2024
Sell 696 K USD
LANEY G. TIMOTHY
CHIEF EXECUTIVE OFFICER
- 16063
43.34 USD
4 months ago
Aug 23, 2024
Sell 442 K USD
Clermont Ralph W
Director
- 10000
44.18 USD
4 months ago
Aug 23, 2024
Sell 12.3 K USD
Kramer Valerie D.
Chief Digital Officer
- 278
44.31 USD
4 months ago
Aug 22, 2024
Sell 112 K USD
Van Denabeele Nicole
CHIEF ACCOUNTING OFFICER
- 2652
42.28 USD
4 months ago
Aug 22, 2024
Sell 170 K USD
Dean Robert E
Director
- 4057
42 USD
5 months ago
Aug 20, 2024
Sell 160 K USD
ZEILE ART
Director
- 3875
41.27 USD
5 months ago
Aug 13, 2024
Sell 29.1 K USD
Kramer Valerie D.
Chief Digital Officer
- 725
40.17 USD
5 months ago
Jul 29, 2024
Sell 2.12 M USD
LANEY G. TIMOTHY
CHIEF EXECUTIVE OFFICER
- 49763
42.64 USD
5 months ago
Jul 30, 2024
Sell 1.58 K USD
LANEY G. TIMOTHY
CHIEF EXECUTIVE OFFICER
- 37
42.65 USD
5 months ago
Jul 26, 2024
Sell 684 K USD
Sobers Patrick G.
Director
- 15876
43.1 USD
5 months ago
Jul 26, 2024
Sell 123 K USD
Sobers Patrick G.
Director
- 2862
43.12 USD
5 months ago
Jul 26, 2024
Sell 432 K USD
Clermont Ralph W
Director
- 10000
43.17 USD
1 year ago
Nov 15, 2023
Sell 137 K USD
Randall Christopher S.
EVP, COMM. & SPECIALTY BANKING
- 4000
34.25 USD
2 years ago
Jan 11, 2023
Sell 434 K USD
LANEY G. TIMOTHY
director: CHIEF EXECUTIVE OFFICER
- 10000
43.38 USD
2 years ago
Jan 11, 2023
Sell 434 K USD
LANEY G. TIMOTHY
director: CHIEF EXECUTIVE OFFICER
- 10000
43.38 USD
2 years ago
Dec 13, 2022
Sell 429 K USD
LANEY G. TIMOTHY
director: CHIEF EXECUTIVE OFFICER
- 10000
42.89 USD
2 years ago
Nov 08, 2022
Sell 475 K USD
LANEY G. TIMOTHY
director: CHIEF EXECUTIVE OFFICER
- 10000
47.52 USD
2 years ago
Oct 25, 2022
Sell 508 K USD
LANEY G. TIMOTHY
director: CHIEF EXECUTIVE OFFICER
- 12500
40.65 USD
2 years ago
Oct 26, 2022
Sell 304 K USD
LANEY G. TIMOTHY
director: CHIEF EXECUTIVE OFFICER
- 7500
40.49 USD
2 years ago
Aug 15, 2022
Sell 544 K USD
LANEY G. TIMOTHY
director: CHIEF EXECUTIVE OFFICER
- 12500
43.53 USD
2 years ago
Aug 16, 2022
Sell 527 K USD
LANEY G. TIMOTHY
CHIEF EXECUTIVE OFFICER
- 11901
44.25 USD
2 years ago
Jul 26, 2022
Sell 198 K USD
Dean Robert E
director:
- 4826
41 USD
2 years ago
Jun 08, 2022
Sell 508 K USD
LANEY G. TIMOTHY
CHIEF EXECUTIVE OFFICER
- 12500
40.6 USD
2 years ago
Jun 08, 2022
Sell 295 K USD
LANEY G. TIMOTHY
director: CHIEF EXECUTIVE OFFICER
- 7299
40.43 USD
2 years ago
May 17, 2022
Sell 232 K USD
LANEY G. TIMOTHY
director: CHIEF EXECUTIVE OFFICER
- 5800
40.02 USD
2 years ago
Mar 16, 2022
Sell 429 K USD
LANEY G. TIMOTHY
director: CHIEF EXECUTIVE OFFICER
- 10000
42.88 USD
2 years ago
Feb 22, 2022
Sell 456 K USD
LANEY G. TIMOTHY
CHIEF EXECUTIVE OFFICER
- 10000
45.61 USD
3 years ago
Nov 19, 2021
Sell 77.2 K USD
Zahl Brendan W
EVP NBH RESIDENTIAL BANKING
- 1700
45.41 USD
3 years ago
Nov 11, 2021
Sell 918 K USD
Newfield Richard U Jr.
Chief Risk Mngmt Officer
- 20000
45.8984 USD
3 years ago
Nov 12, 2021
Sell 223 K USD
Newfield Richard U Jr.
Chief Risk Mngmt Officer
- 4900
45.4091 USD
3 years ago
Nov 15, 2021
Sell 610 K USD
Newfield Richard U Jr.
Chief Risk Mngmt Officer
- 13491
45.2331 USD
3 years ago
Apr 28, 2021
Sell 393 K USD
Warren Burney S. III
Director
- 9584
40.99 USD
3 years ago
Apr 27, 2021
Sell 198 K USD
Dean Robert E
Director
- 4910
40.4 USD
4 years ago
Dec 01, 2020
Sell 291 K USD
Randall Christopher S.
EVP, Comm. & Specialty Banking
- 8900
32.6615 USD
4 years ago
Nov 09, 2020
Sell 40.3 K USD
Spring Maria F
Director
- 1279
31.49 USD
4 years ago
Nov 09, 2020
Sell 40.3 K USD
Spring Maria F
Director
- 1279
31.49 USD
4 years ago
Apr 30, 2020
Sell 1.34 M USD
Newfield Richard U Jr.
Chief Risk Mngmt Officer
- 50000
26.7874 USD
5 years ago
Sep 11, 2019
Sell 396 USD
Zahl Brendan W
EVP NBH Residential Banking
- 11
36.04 USD
5 years ago
Sep 12, 2019
Sell 89.9 K USD
Zahl Brendan W
EVP NBH Residential Banking
- 2489
36.1022 USD
5 years ago
Sep 09, 2019
Sell 657 K USD
Spring Maria F
Director
- 19333
34 USD
5 years ago
Mar 14, 2019
Sell 9.63 K USD
Bartelli Whitney A.
Chief Marketing Officer
- 280
34.3818 USD
5 years ago
Mar 15, 2019
Sell 19.3 K USD
Bartelli Whitney A.
Chief Marketing Officer
- 560
34.491 USD
5 years ago
Mar 14, 2019
Sell 166 K USD
Sobers Patrick G.
EVP, Bus. & Consumer Bnkg
- 4825
34.3047 USD
5 years ago
Feb 27, 2019
Sell 1.46 M USD
Newfield Richard U Jr.
Chief Risk Mngmt Officer
- 40535
35.965 USD
5 years ago
Feb 28, 2019
Sell 341 K USD
Newfield Richard U Jr.
Chief Risk Mngmt Officer
- 9465
36.0638 USD
5 years ago
Feb 20, 2019
Sell 685 K USD
Warren Burney S. III
Director
- 19233
35.6299 USD
6 years ago
Dec 06, 2018
Sell 528 K USD
LANEY G. TIMOTHY
Chief Executive Officer
- 15136
34.8696 USD
6 years ago
Sep 07, 2018
Sell 149 K USD
Dean Robert E
Director
- 3771
39.5 USD
6 years ago
Aug 23, 2018
Sell 58.9 K USD
Bartelli Whitney A.
Chief Marketing Officer
- 1448
40.688 USD
6 years ago
Aug 24, 2018
Sell 40 K USD
Bartelli Whitney A.
Chief Marketing Officer
- 985
40.6266 USD
6 years ago
Aug 16, 2018
Sell 373 K USD
Spring Maria F
Director
- 9216
40.4943 USD
6 years ago
Aug 16, 2018
Sell 234 K USD
Bessko Zsolt K
Chief Admin Officer
- 5805
40.3957 USD
6 years ago
Aug 03, 2018
Sell 101 K USD
Dean Robert E
Director
- 2486
40.6531 USD
6 years ago
Jun 07, 2018
Sell 3.01 M USD
Newfield Richard U Jr.
Chief Risk Mngmt Officer
- 75000
40.1217 USD
6 years ago
Jun 06, 2018
Sell 113 K USD
Dean Robert E
Director
- 2790
40.58 USD
6 years ago
Jun 05, 2018
Sell 94.5 K USD
Sobers Patrick G.
EVP, Bus. & Consumer Bnkg
- 2347
40.2589 USD
6 years ago
Jun 06, 2018
Sell 134 K USD
Sobers Patrick G.
EVP, Bus. & Consumer Bnkg
- 3313
40.5845 USD
6 years ago
May 30, 2018
Sell 103 K USD
Bartelli Whitney A.
Chief Marketing Officer
- 2629
39.105 USD
6 years ago
May 30, 2018
Sell 70.3 K USD
Bartelli Whitney A.
Chief Marketing Officer
- 1808
38.9012 USD
6 years ago
May 22, 2018
Sell 366 K USD
Bessko Zsolt K
Chief Admin Officer
- 9450
38.7031 USD
6 years ago
May 16, 2018
Sell 1.83 M USD
Newfield Richard U Jr.
Chief Risk Mngmt Officer
- 50000
36.5692 USD
6 years ago
May 09, 2018
Sell 139 K USD
Warren Burney S. III
Director
- 3825
36.361 USD
6 years ago
Mar 09, 2018
Sell 2.51 M USD
LILLY BRIAN F
Chief Financial Officer
- 74769
33.5159 USD
6 years ago
Mar 12, 2018
Sell 2.17 M USD
LILLY BRIAN F
Chief Financial Officer
- 64213
33.8058 USD
6 years ago
Mar 13, 2018
Sell 520 K USD
LILLY BRIAN F
Chief Financial Officer
- 15376
33.8126 USD
6 years ago
Feb 21, 2018
Sell 131 K USD
Warren Burney S. III
Director
- 3841
34 USD
6 years ago
Feb 02, 2018
Sell 830 K USD
Newfield Richard U Jr.
Chief Risk Mngmt Officer
- 25000
33.2006 USD
7 years ago
Dec 04, 2017
Sell 104 K USD
Dean Robert E
Director
- 3076
33.7372 USD
7 years ago
Feb 22, 2017
Sell 106 K USD
Spring Maria F
Director
- 3208
33.0727 USD
7 years ago
Feb 06, 2017
Sell 48.9 K USD
Sobers Patrick G.
EVP, Consumer & Smll Bus. Bnkg
- 1500
32.5941 USD
7 years ago
Feb 03, 2017
Sell 1.47 M USD
LANEY G. TIMOTHY
Chief Executive Officer
- 45000
32.6068 USD
7 years ago
Feb 03, 2017
Sell 101 K USD
Warren Burney S. III
Director
- 3098
32.5 USD
7 years ago
Jan 31, 2017
Sell 193 K USD
Dean Robert E
Director
- 6000
32.125 USD
8 years ago
Dec 07, 2016
Sell 278 K USD
Newfield Richard U Jr.
Chief Risk Mngmt Officer
- 9096
30.5489 USD
8 years ago
Dec 06, 2016
Sell 151 K USD
Spring Maria F
Director
- 5000
30.1621 USD
8 years ago
Dec 06, 2016
Sell 57.2 K USD
Bessko Zsolt K
Chief Admin Officer
- 1899
30.1237 USD
8 years ago
Dec 02, 2016
Sell 28.5 K USD
Daley Michael John
Chief Accounting Officer
- 976
29.249 USD
8 years ago
Nov 25, 2016
Sell 491 K USD
LILLY BRIAN F
Chief Financial Officer
- 17990
27.3163 USD
8 years ago
Nov 22, 2016
Sell 135 K USD
Warren Burney S. III
Director
- 5000
27 USD
8 years ago
Nov 22, 2016
Sell 824 K USD
LANEY G. TIMOTHY
Chief Executive Officer
- 30000
27.4541 USD
9 years ago
Apr 09, 2015
Sell 278 K USD
ELLIOTT ASSOCIATES, L.P.
10 percent owner
- 15000
18.5226 USD
9 years ago
Apr 10, 2015
Sell 463 K USD
ELLIOTT ASSOCIATES, L.P.
10 percent owner
- 25000
18.5316 USD
10 years ago
Jul 31, 2014
Sell 102 K USD
Spring Maria F
Director
- 5200
19.7 USD
10 years ago
Jul 29, 2014
Bought 97.8 K USD
Warren Burney S. III
Director
+ 5000
19.56 USD
11 years ago
May 13, 2013
Bought 9.13 K USD
Birkans Aldis
Treasurer
+ 500
18.26 USD
11 years ago
May 13, 2013
Bought 9.1 K USD
Birkans Aldis
Treasurer
+ 500
18.19 USD
7. News
The Fed's rate outlook has rattled markets. Here's what it means for global central banks The U.S. Federal Reserve roiled markets Wednesday after raising its inflation outlook and signaling fewer rate cuts next year. A stronger U.S. dollar on the back of higher interest rates — and potentially inflationary tariffs from President-elect Donald Trump — make the outlook for policy easing around the world more uncertain. cnbc.com - 1 month ago
National Bank Holdings Corporation Announces Balance Sheet Repositioning DENVER, Dec. 18, 2024 (GLOBE NEWSWIRE) -- National Bank Holdings Corporation (NYSE: NBHC, or the “Company”) announced today that it sold approximately $130 million of available-for-sale (“AFS”) investment securities on the open market. The securities sale is part of the Company's strategy to proactively maximize the balance sheet with the goal of driving future earnings. The securities sold represented approximately 20% of the Company's AFS portfolio and resulted in an after-tax loss of approximately $5 million that will be recorded in the fourth quarter of 2024. Proceeds from the sale will be redeployed over time into higher yielding securities. globenewswire.com - 1 month ago
National Bank Of Canada: Soon To Be A Transformed Company National Bank of Canada is set to expand nationwide with its acquisition of Canadian Western Bank, enhancing its presence outside Quebec and boosting growth potential. The acquisition, valued at $5B, is expected to close in late 2025, offering significant synergies and immediate net interest income increase. National Bank's strong historical performance, with higher returns on equity and solid earnings growth, positions it well for further expansion and shareholder value. seekingalpha.com - 1 month ago
13 Upcoming Dividend Increases Including 2 Kings This week's dividend increases feature two dividend kings, Stepan and Tennant, with average increases of 7.4% and a median of 5.4%. Thirteen companies are increasing their dividends this week, with an average increase of 7.4% and a median of 5.4%. My strategy focuses on buying, holding, and adding companies with consistent dividend growth and outperforming benchmarks, using data from U.S. Dividend Champions and NASDAQ. seekingalpha.com - 1 month ago
National Bank Holdings (NBHC) is a Great Momentum Stock: Should You Buy? Does National Bank Holdings (NBHC) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 2 months ago
All You Need to Know About National Bank Holdings (NBHC) Rating Upgrade to Buy National Bank Holdings (NBHC) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 2 months ago
What Makes National Bank Holdings (NBHC) a Strong Momentum Stock: Buy Now? Does National Bank Holdings (NBHC) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 2 months ago
Inflation undershoots to jumbo cuts: What 10 European Central Bank members said this week A slew of Governing Council members spoke to CNBC's Karen Tso at the International Monetary Fund's annual meeting in Washington, D.C. this week. cnbc.com - 2 months ago
National Bank Holdings Corporation (NBHC) Q3 2024 Earnings Call Transcript National Bank Holdings Corporation (NYSE:NBHC ) Q3 2024 Earnings Conference Call October 23, 2024 11:00 AM ET Company Participants Emily Gooden - Chief Accounting Officer and Director, Investor Relations Timothy Laney - Chairman, and Chief Executive Officer Nicole Van Denabeele - Chief Financial Officer Aldis Birkans - President Conference Call Participants Jeff Rulis - D.A. Davidson Kathleen Ashley - KBW Andrew Terrell - Stephens Andrew Liesch - Piper Sandler Operator Good morning, everyone, and welcome to the National Bank Holdings Corporation 2024 Third Quarter Earnings Call. seekingalpha.com - 2 months ago
National Bank Holdings (NBHC) Beats Q3 Earnings and Revenue Estimates National Bank Holdings (NBHC) came out with quarterly earnings of $0.86 per share, beating the Zacks Consensus Estimate of $0.76 per share. This compares to earnings of $0.94 per share a year ago. zacks.com - 2 months ago
National Bank Holdings Corporation Announces Third Quarter 2024 Financial Results and Increase to Quarterly Dividend DENVER, Oct. 22, 2024 (GLOBE NEWSWIRE) -- National Bank Holdings Corporation (NYSE: NBHC) reported:                                     For the quarter(1)   For the year(1)     3Q24   2Q24   3Q23   2024   2023 Net income ($000's)   $ 33,105     $ 26,135     $ 36,087     $ 90,631     $ 108,927   Earnings per share - diluted   $ 0.86     $ 0.68     $ 0.94     $ 2.36     $ 2.85   Return on average assets     1.32 %     1.06 %     1.46 %     1.22 %     1.50 % Return on average tangible assets(2)     1.43 %     1.17 %     1.58 %     1.33 %     1.61 % Return on average equity     10.33 %     8.46 %     12.26 %     9.70 %     12.71 % Return on average tangible common equity(2)     14.84 %     12.44 %     18.38 %     14.14 %     18.81 %                                                        (1 )   Ratios are annualized. (2 )   See non-GAAP reconciliations below. globenewswire.com - 2 months ago
National Bank Holdings Corporation Announces Date for 2024 Third Quarter Earnings Release DENVER, Oct. 04, 2024 (GLOBE NEWSWIRE) -- National Bank Holdings Corporation (NYSE: NBHC) expects to report its third quarter financial results after the markets close on Tuesday, October 22, 2024. Management will host a conference call to review the results at 11:00 a.m. Eastern Time on Wednesday, October 23, 2024. Interested parties may listen to this call by dialing (888) 204-4368 using the participant passcode of 3279876 and asking for the NBHC Q3 2024 Earnings Call. A recording of the call will be available approximately four hours after the call's completion on the Company's website at www.nationalbankholdings.com by visiting the investor relations area. globenewswire.com - 3 months ago
8. Profile Summary

National Bank Holdings Corporation NBHC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.68 B
Dividend Yield 0.67%
Description National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, and other deposit accounts, including fixed-rate and fixed maturity time deposits. The company also provides commercial and industrial loans and leases, such as working capital loans, equipment loans, lender finance loans, food and agriculture loans, government and non-profit loans, owner occupied commercial real estate loans, and other commercial loans and leases; non-owner occupied commercial real estate loans consisting of loans on commercial properties, such as office buildings, warehouse/distribution buildings, multi-family, hospitality, and retail buildings; small business administration loans to support manufacturers, distributors, and service providers; term loans, line of credits, and real estate secured loans; residential real estate loans; and consumer loans. In addition, it offers treasury management solutions comprising online and mobile banking, commercial credit card, wire transfer, automated clearing house, electronic bill payment, lock box, remote deposit capture, merchant processing, cash vault, controlled disbursements, and fraud prevention services, as well as other auxiliary services, including account reconciliation, collections, repurchase accounts, zero balance accounts, and sweep accounts. As of January 20, 2022, the company operated through a network of 81 banking centers located in Colorado, the greater Kansas City region, New Mexico, Utah, and Texas. It also operates 121 ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. National Bank Holdings Corporation was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.
Contact 7800 East Orchard Road, Greenwood Village, CO, 80111 https://www.nationalbankholdings.com
IPO Date Sept. 20, 2012
Employees 1226
Officers Ms. Valerie D. Kramer CTP Executive Vice President & Chief Digital Officer Mr. Charlie Koch Market Manager of Commercial Banking & Director of Treasury Management Mr. G. Timothy Laney Chairman & Chief Executive Officer Ms. Angela Nicole Petrucci Executive Vice President, Chief Administrative Officer, General Counsel & Secretary Ms. Nicole Van Denabeele Executive Vice President & Chief Financial Officer Mr. Aldis Birkans C.F.A. President Mr. Patrick G. Sobers Director Mr. Richard U. Newfield Jr. Executive Vice President & Chief Risk Officer Ms. Emily Gooden Senior Vice President, Chief Accounting Officer & Investor Relations Director