What is National Bank Holdings Corporation's Shariah compliance score?

National Bank Holdings Corporation's (NBHC) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does National Bank Holdings Corporation pass AAOIFI screening?

National Bank Holdings Corporation (NBHC) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (NBHC: 3.3%), (3) interest-bearing deposits below 30% (NBHC: 25.0%), and (4) prohibited income below 5% (NBHC: 1200.9%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for National Bank Holdings Corporation stock?

National Bank Holdings Corporation (NBHC) has a non-permissible income ratio of 1200.91%. Muslim investors should purify this percentage of any dividends received and capital gains realized from NBHC shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen National Bank Holdings Corporation for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for National Bank Holdings Corporation (NBHC) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about NBHC's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

NBHC: Is National Bank Holdings Corporation Halal?

National Bank Holdings Corporation

NYSEFinancial ServicesUS

$44.02

+2.04%

Market Cap: 1.7B

Compliance Status

Not Halal

Screened on Jul 18, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is National Bank Holdings Corporation (NBHC) halal? Not Halal. Based on AAOIFI screening, National Bank Holdings Corporation has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Well clear of the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

3.3% of 30.0% limit

What this means for you

Most scholars advise not holding NBHC

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About National Bank Holdings Corporation

National Bank Holdings Corporation (NBHC) serves as the parent company for NBH Bank, providing a comprehensive range of banking products and financial services to commercial businesses and individual consumers across the United States. The bank offers various deposit accounts, including checking, savings, and money market options, alongside fixed-rate and fixed-maturity time deposits. Its lending portfolio is extensive, featuring commercial and industrial loans for purposes such as working capital, equipment financing, lender finance, and specialized sectors like food and agriculture, government, and non-profits. NBHC also finances both owner-occupied and non-owner occupied commercial real estate, covering diverse property types like office buildings, warehouses, multi-family residences, hospitality venues, and retail spaces. Additionally, it provides Small Business Administration (SBA) loans to support manufacturers, distributors, and service providers, as well as general term loans, lines of credit, real estate-secured loans, residential mortgages, and consumer loans. Beyond its core deposit and lending services, NBHC delivers a suite of treasury management solutions. These encompass digital banking (online and mobile), commercial credit cards, wire transfers, Automated Clearing House (ACH) services, electronic bill payment, lockbox services, remote deposit capture, merchant processing, cash vault services, controlled disbursements, and fraud prevention tools. The company also offers auxiliary services like account reconciliation, collections, repurchase accounts, zero balance accounts, and sweep accounts. As of January 20, 2022, NBHC operated through a network of 81 banking centers situated in Colorado, the greater Kansas City region, New Mexico, Utah, and Texas, complemented by 121 ATMs. Originally established in 2009 as NBH Holdings Corp., the company officially adopted its current name, National Bank Holdings Corporation, in March 2012. Its corporate headquarters are located in Greenwood Village, Colorado.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 18, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: Q1 2026Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

More Financial Services Stocks

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JPMorgan Chase & Co.

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Mastercard Incorporated

A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is National Bank Holdings Corporation (NBHC) halal to invest in?

National Bank Holdings Corporation (NBHC) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did National Bank Holdings Corporation get a F compliance rating?

National Bank Holdings Corporation (NBHC) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 3.3% (limit 30%); interest-bearing deposits of 25.0% (limit 30%); prohibited income of 1200.91% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change National Bank Holdings Corporation's Shariah verdict?

National Bank Holdings Corporation's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is National Bank Holdings Corporation re-screened for Shariah compliance?

National Bank Holdings Corporation (NBHC) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.