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NBHC on NYSE

National Bank Holdings Corp

National Bank Holdings Corp is a colorado state-chartered bank and a member of the FRB of Kansas City.1 It is headquartered in Greenwood Village, Colorado.1 Its shares trade on NYSE under the symbol NBHC.1

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Last updated Oct 21, 2026.

Overview

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  • TickerNBHC on NYSE1
  • IndustryNational Commercial Banks1
  • HeadquartersGreenwood Village, Colorado1
  • Incorporated inDE2
  • Business address7800 East Orchard Road, Suite 300, Greenwood Village, Co 801112
  • Filer categoryLarge accelerated filer2

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NBH Bank is a Colorado state-chartered bank and a member of the FRB of Kansas City. At December 31, 2025, we operated under the following brand names as divisions of NBH Bank: in Colorado, Community Banks of Colorado and Community Banks Mortgage; in Kansas and Missouri, Bank Midwest and Bank Midwest Mortgage; in Wyoming, Bank of Jackson Hole and Bank of Jackson Hole Mortgage; and in Texas, Utah, New Mexico and Idaho, Hillcrest Bank and Hillcrest Bank Mortgage.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

232.4%Net margin5
2.1%Revenue growth, 20255
7.9%Return on equity5
0.04×Debt to equity5

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Service charges and other fees brought in 37% of the revenue National Bank Holdings Corp broke down this way in fiscal 2025.

  1. Service charges and other fees$23.6M537%up 9% from 2024
  2. Credit and Debit Card$17.8M528%down 6% from 2024
  3. Bank Servicing$16.7M526%down 7% from 2024
  4. Other Non Interest Income$5.7M59%up 2% from 2024
Products and services by year
Products and services202320242025
Service charges and other fees$22.6M$21.6M$23.6M
Credit and Debit Card$19.6M$19.0M$17.8M
Bank Servicing$18.2M$18.0M$16.7M
Other Non Interest Income$4.7M$5.6M$5.7M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax18¢$24.1M
  • Profit82¢$109.6M

Out of $47.1M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Dividends paid28¢$46.1M
  • Share buybacks9¢$15.2M
  • Kept or used elsewhere62¢$101.2M

Out of $162.4M of cash from operations.5

Financial statements

Revenue6785$47.1M in 2025+46% since 2020
0$20.0M$40.0M$60.0M2020: $32.4M$32.4M20202021: $35.8M$35.8M2021+11%2022: $37.7M$37.7M2022+5%2023: $46.9M$46.9M2023+25%2024: $46.2M$46.2M2024−2%2025: $47.1M$47.1M2025+2%
Net income96785$109.6M in 2025+36% since 2019
0$50.0M$100.0M$150.0M2019: $80.4M$80.4M20192020: $88.6M$88.6M2020+10%2021: $93.6M$93.6M2021+6%2022: $71.3M$71.3M2022−24%2023: $142.0M$142.0M2023+99%2024: $118.8M$118.8M2024−16%2025: $109.6M$109.6M2025−8%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$474.6M$505.3M$461.4M
Interest and dividends on investment securities$37.8M$28.7M$26.3M
Dividends on other securities$1.7M$1.8M$3.3M
Interest on interest bearing bank deposits$5.7M$2.5M$4.5M
Total interest and dividend income$519.8M$538.3M$495.4M
Interest on deposits$165.4M$186.2M$109.4M
Interest on borrowings$5.8M$6.7M$24.1M
Total interest expense$171.3M$192.9M$133.5M
Net interest income before provision for credit losses$348.5M$345.4M$362.0M
Provision for credit loss expense$17.8M$6.8M$8.3M
Net interest income after provision for credit losses$330.7M$338.6M$353.7M
Non-interest income$47.1M$46.2M$46.9M
Mortgage banking income$11.1M$11.2M$13.6M
Bank-owned life insurance income$4.4M$3.0M$3.3M
Other non-interest income$20.9M$16.7M$9.2M
Loss on security sales-$3.3M-$6.6M
Total non-interest income$67.6M$61.2M$63.9M
Salaries and benefits$148.3M$146.2M$137.7M
Occupancy and equipment$45.8M$40.0M$37.6M
Data processing$18.3M$17.5M$13.1M
Marketing and business development$4.3M$4.0M$4.0M
FDIC deposit insurance$4.4M$5.4M$7.0M
Bank card expenses$4.5M$5.2M$5.8M
Professional fees$12.5M$7.1M$10.5M
Other non-interest expense$18.7M$21.4M$19.0M
Other intangible assets amortization$7.8M$7.9M$7.4M
Total non-interest expense$264.6M$254.6M$242.0M
Income before income taxes$133.6M$145.2M$175.6M
Income tax expense$24.1M$26.4M$33.6M
Net income$109.6M$118.8M$142.0M
Earnings per share-basic (in dollars per share)$2.86$3.10$3.74
Earnings per share-diluted (in dollars per share)$2.85$3.08$3.72
Common stock dividend$1.20$1.12$1.04
Basic (in shares)38.0M shares38.2M shares37.9M shares
Diluted (in shares)38.1M shares38.4M shares38.1M shares

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Corporate structure

National Bank Holdings Corp sits at the top of its group. 7 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of National Bank Holdings Corp

  • National Bank Holdings Corp Greenwood Village, Colorado
    • 2UniFi, LLC Subsidiary · Delaware, United States
    • Bank of Jackson Hole Trust Subsidiary · Wyoming, United States
    • Cambr Solutions, LLC Subsidiary · Delaware, United States
    • NBH Bank Subsidiary · Colorado, United States
    • NBH Realty I, LLC Subsidiary · Missouri, United States
    • NBH Realty II, LLC Subsidiary · Missouri, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What National Bank Holdings Corp reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$338.6M5 Dec 31, 2025$311.6M5 Dec 31, 2024+8.7%
Accumulated depreciation$124.0M5 Dec 31, 2025$114.8M5 Dec 31, 2024+8.0%
Property and equipment, net$214.6M5 Dec 31, 2025$196.8M5 Dec 31, 2024+9.0%
Operating-lease assets (leased space)$26.6M5 Dec 31, 2025$25.9M5 Dec 31, 2024+2.7%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$417.1M5 Dec 31, 2025$127.8M5 Dec 31, 2024+226.2%
Stakes in other companies (equity method)$32.4M5 Dec 31, 2025$28.0M5 Dec 31, 2024+15.7%
Loans, net of allowance$7.3B5 Dec 31, 2025$7.7B5 Dec 31, 2024−4.1%
Deposits held (banks)$8.3B5 Dec 31, 2025$8.2B5 Dec 31, 2024+0.7%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$306.0M5 Dec 31, 2025$306.0M5 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$48.3M5 Dec 31, 2025$58.4M5 Dec 31, 2024−17.3%
Finite-lived intangibles, gross$110.9M5 Dec 31, 2025$110.9M5 Dec 31, 20240%
Accumulated amortization$67.9M5 Dec 31, 2025$60.1M5 Dec 31, 2024+13.0%
Finite-lived intangibles, net$42.9M5 Dec 31, 2025$50.7M5 Dec 31, 2024−15.4%

Properties, in its own words

Our principal executive offices are located in the Denver Tech Center area immediately south of Denver, Colorado and cover approximately 47,000 square feet. We also have approximately 57,000 square feet of office and operations space in Kansas City, Missouri. At December 31, 2025, we operated 36 banking centers in Colorado, 21 in Missouri, 11 in Kansas, eight in

Wyoming, seven in Utah, two in Texas, four in New Mexico and two in Idaho. Of these banking centers, 66 were owned and 25 locations were leased.

Item 2 of the 10-K filed Feb 24, 2026.4

Leadership

Who has led National Bank Holdings Corp, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. G. Timothy Laney2012–now

Chair

  1. G. Timothy Laney2015

President

  1. G. Timothy Laney2012–2015
  2. Aldis Birkans2025–now

Chief financial officer

  1. Brian F. Lilly2012–2018
  2. Aldis Birkans2018–2024
201520202025
Board members and other officers (33)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • 2UniFi, LLC Delaware3
  • Bank of Jackson Hole Trust Wyoming3
  • Cambr Solutions, LLC Delaware3
  • NBH Bank Colorado3
  • NBH Realty I, LLC Missouri3
  • NBH Realty II, LLC Missouri3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • NBH Holdings Corp.Nov 4, 2009 to Dec 23, 20112

Timeline

  1. Oct 1, 20268-K Impairment; Other events50
  2. Aug 4, 20268-K Other events51
  3. Jul 27, 20268-K Regulation FD disclosure52
  4. Jul 21, 20268-K Results of operations; Regulation FD disclosure53
  5. May 12, 20268-K Executive or director change; Shareholder vote54
  6. May 7, 20268-K Other events55
  7. May 4, 20268-K Regulation FD disclosure56
  8. Apr 21, 20268-K Results of operations; Regulation FD disclosure57
  9. Feb 19, 20268-K Executive or director change58
  10. Feb 11, 20268-K Entered a material agreement; New debt or obligation; Regulation FD disclosure59
  11. Feb 10, 20268-K Regulation FD disclosure60
  12. Feb 5, 20268-K Other events61
  13. Sep 19, 2012New chief executive G. Timothy Laney becomes CEO13

Calendar

Coming up

  1. Oct 27, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.96 a share, on Oct 21, 2025.62

When it reported results

  1. Jul 21, 2026Reported quarterly or annual results53
  2. Apr 21, 2026Reported quarterly or annual results57
  3. Jan 27, 2026Reported quarterly or annual results63
  4. Oct 21, 2025Reported quarterly or annual results64
  5. Jul 22, 2025Reported quarterly or annual results65
  6. Apr 22, 2025Reported quarterly or annual results66
  7. Jan 22, 2025Reported quarterly or annual results67
  8. Oct 22, 2024Reported quarterly or annual results68

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

465 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 88 major events, 262 insider forms, 37 large holders, 58 other. The latest 20:

  1. Oct 8, 2026SCHEDULE 13G EDGAR
  2. Oct 5, 20264 EDGAR
  3. Oct 5, 20264 EDGAR
  4. Oct 1, 20268-K EDGAR
  5. Aug 13, 20264 EDGAR
  6. Aug 7, 2026SCHEDULE 13G EDGAR
  7. Aug 5, 20264 EDGAR
  8. Aug 5, 202610-Q EDGAR
  9. Aug 4, 20268-K EDGAR
  10. Jul 31, 2026SCHEDULE 13G EDGAR
  11. Jul 29, 2026SCHEDULE 13G/A EDGAR
  12. Jul 27, 20268-K EDGAR
  13. Jul 21, 20268-K EDGAR
  14. Jun 16, 20264 EDGAR
  15. May 21, 20264 EDGAR
  16. May 20, 2026144 EDGAR
  17. May 20, 202611-K EDGAR
  18. May 14, 2026S-8 EDGAR
  19. May 12, 20268-K EDGAR
  20. May 8, 20264 EDGAR

The 465 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

38 open-market trades by officers, directors and large owners since October 2021: 1 buys and 37 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
May 20, 2026Spring Maria FDirectorSale963$41.84$40.3KForm 4
Feb 11, 2026Steinmetz JohnFmr Exec Mng Dir of Strat InitBuy24,200$41.41$1.0MForm 4
Nov 11, 2025Spring Maria FDirectorSale6,214$37.14$230.8KForm 4
May 27, 2025Spring Maria FDirectorSale1,167$37.02$43.2KForm 4
Nov 13, 2024Newfield Richard U Jr.CHIEF RISK MGMT OFFICERSale19,259$49.81$959.3KForm 4
Nov 11, 2024Kramer Valerie D.Chief Digital OfficerSale897$50.11$44.9KForm 4
Nov 8, 2024Kramer Valerie D.Chief Digital OfficerSale1,275$49.62$63.3KForm 4
Sep 3, 2024Randall Christopher S.EVP, COMM. & SPECIALTY BANKINGSale3,750$43.51$163.2KForm 4
Aug 26, 2024LANEY G. TIMOTHYCHIEF EXECUTIVE OFFICERSale16,063$43.34$696.2KForm 4
Aug 23, 2024Clermont Ralph WDirectorSale10,000$44.18$441.8KForm 4
Aug 23, 2024Kramer Valerie D.Chief Digital OfficerSale278$44.31$12.3KForm 4
Aug 22, 2024Van Denabeele NicoleCHIEF FINANCIAL OFFICERSale2,652$42.28$112.1KForm 4
Aug 22, 2024Dean Robert EDirectorSale4,057$42.00$170.4KForm 4
Aug 20, 2024ZEILE ARTDirectorSale3,875$41.27$159.9KForm 4
Aug 13, 2024Kramer Valerie D.Chief Digital OfficerSale725$40.17$29.1KForm 4
Jul 30, 2024LANEY G. TIMOTHYCHIEF EXECUTIVE OFFICERSale37$42.65$1.6KForm 4
Jul 29, 2024LANEY G. TIMOTHYCHIEF EXECUTIVE OFFICERSale49,763$42.64$2.1MForm 4
Jul 26, 2024Sobers Patrick G.DirectorSale18,738$43.10$807.7KForm 4
Jul 26, 2024Clermont Ralph WDirectorSale10,000$43.17$431.7KForm 4
Nov 15, 2023Randall Christopher S.EVP, COMM. & SPECIALTY BANKINGSale4,000$34.25$137.0KForm 4

All 38 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.6,496,044$288.6M0.0%+983,290
Vanguard Portfolio Management LLC2,738,063$121.7M0.0%+148,471
William Blair Investment Management, LLC2,497,817$111.0M0.3%+22,956
State Street Corp2,319,666$103.1M0.0%+142,289
Dimensional Fund Advisors LP2,237,135$99.4M0.0%+136,191
Vanguard Capital Management LLC1,911,985$84.9M0.0%+65,137
Charles Schwab Investment Management Inc1,686,848$74.9M0.0%+142,320
Wellington Management Group Llp1,300,690$57.8M0.0%−943,298
Westwood Holdings Group Inc1,276,350$56.7M0.4%−144,540
Geode Capital Management, LLC1,136,925$50.5M0.0%+121,861
Deprince Race & Zollo Inc903,660$40.1M0.7%−158,611
Segall Bryant & Hamill, LLC863,917$38.4M0.5%−21,453
Renaissance Technologies LLC715,453$31.8M0.0%−78,647
Two Sigma Investments, LP689,242$30.6M0.0%+116,509
Kennedy Capital Management LLC666,354$29.6M0.5%−17,527
Nuveen, LLC573,039$25.5M0.0%−66,181
Endeavour Capital Advisors Inc556,478$24.7M5.1%−19,198
Leeward Investments, LLC - MA508,755$22.6M1.0%−11,165
Northern Trust Corp494,192$22.0M0.0%+66,799
Aristotle Capital Boston, LLC485,740$21.6M1.4%−95,451
North Reef Capital Management LP437,241$19.4M0.7%+116,889
Aqr Capital Management LLC425,864$18.9M0.0%−76,274
Russell Investments Group, Ltd.417,323$18.5M0.0%−34,427
Goldman Sachs Group Inc374,209$16.6M0.0%−22,319
Bank of New York Mellon Corp363,016$16.1M0.0%+19,272

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How National Bank Holdings Corp is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARNational Bank Holdings Corp1
  • CIK0001475841
  • Employer ID (EIN)27-05637994
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inDelaware4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address7800 East Orchard Road, Suite 300, Greenwood Village, CO 801111
  • Phone303-892-87151
  • Shares outstanding44,539,547 as of Jul 31, 202611
  • Public float$1.4B as of Jun 30, 20254
  • AuditorKPMG LLP, Kansas City, MO PCAOB ID 185; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceNov 4, 20091
  • Filings1,186 in all: 4 (605), 8-K (253), SC 13G/A (58), 10-Q (44), 3 (39), 144 (17), SC 13G (17), 10-K (14)1
    All 42 form types

    DEF 14A (14), 11-K (11), SCHEDULE 13G/A (11), 424B3 (9), S-1/A (7), S-8 (7), SCHEDULE 13G (7), UPLOAD (7), 4/A (6), 425 (5), 5 (5), DEFA14A (5), 424B7 (4), ARS (4), S-3ASR (4), 3/A (3), CORRESP (3), EFFECT (3), FWP (3), S-1 (3), SC TO-I/A (3), 424B5 (2), 8-K/A (2), 424B4 (1), 8-A12B (1), CERTNYS (1), D (1), POS AM (1), POSASR (1), RW (1), S-4 (1), S-4/A (1), S-8 POS (1), SC TO-I (1)

  • Latest filingsAnnual report (10-K) Feb 24, 2026
    Quarterly report (10-Q) Aug 5, 2026
    Proxy statement (DEF 14A) Apr 3, 2026
    Latest 8-K (8-K) Oct 1, 2026

Securities registered for trading

ClassSymbolExchange
Class A Common Stock, Par Value $0.01NBHCNew York Stock Exchange

From the cover page of the 10-K filed Feb 24, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks National Bank Holdings Corp names in Item 1A of its 10-K filed Feb 24, 2026: 35 risks under these headings, as written.4

  • Risks Relating to General Economic and Market Conditions
  • Changes in general business and economic conditions as well as external events such as natural disasters, pandemics, cyberattacks, political instability, international trade policies, tariffs, severe weather or acts of war could materially and adversely affect us.
  • Interest Rate and Credit Risks
  • Our business is highly susceptible to credit risk and fluctuations in the value of real estate and other collateral securing such credit.
  • Like other financial services institutions, our asset and liability structures are monetary in nature. Such structures are affected by a variety of factors, including changes in interest rates, which can impact our earnings, cash flows, and the value of financial instruments held by us and our mortgage business.
  • The value of our mortgage and SBA servicing rights can decline during periods of falling interest rates, and we may be required to take a charge against earnings for the decreased value.
  • Liquidity and Capital Risks
  • We may not be able to meet the cash flow requirements of deposit withdrawals and other business needs unless we maintain sufficient liquidity.
  • We may want to raise additional capital in the future to support strategic growth initiatives, and such capital may not be available when desired or at all.
  • Risks from Accounting and Other Estimates
  • The fair value of our investment securities can fluctuate due to market conditions outside of our control.
  • Our investments in 2UniFi and other fintechs and initiatives subject us to material financial, reputational and strategic risks.
The other 27 risks
  • Our allowance for credit losses and fair value adjustments may prove to be insufficient to absorb losses inherent in our loan portfolio.
  • Changes in the assumptions underlying our acquisition method of accounting, including methodology regarding the recording of goodwill as a result of acquisitions, or other significant accounting estimates could affect our financial information and have a material adverse effect on our financial results.
  • Risks Related to our Operations
  • A failure in or breach of our security systems or infrastructure, or those of our third-party providers, could result in financial losses to us or in the disclosure or misuse of confidential or proprietary information, including client information, or could trigger further regulatory and financial penalties if we are determined to be non-compliant with evolving privacy and data protection laws. These events could also adversely impact our reputation and have a material adverse effect on our results of operations or financial condition.
  • We are highly dependent on the internet, cloud technologies and third-party providers. Systems failures or interruptions could have a material adverse effect on our results of operations or financial condition.
  • Our business may be adversely affected by an increasing prevalence of fraud and other financial crimes.
  • We face significant competition from other financial institutions and financial services providers, both traditional and otherwise, which may materially and adversely affect us.
  • An important and growing portion of our business is dependent upon U.S. federal government programs, and we face specific risks associated with originating loans under these programs, such as changes in the requirements to participate in these programs, the impact of budget appropriations and prolonged government shutdowns.
  • The expanding body of federal, state and local regulation of loan servicing, collections or other aspects of our business may increase the cost of compliance and the risks of noncompliance.
  • We may be required to repurchase mortgage loans or reimburse investors and others as a result of breaches in contractual representations and warranties.
  • We face risks due to our mortgage banking activities that could negatively impact net income and profitability.
  • We may face increased risk of claims and litigation relating to our fiduciary responsibilities in connection with our trust and wealth management business.
  • Risks Relating to our Growth Strategy
  • We may not be able to effectively manage our strategic growth or other expansionary activity.
  • Failure to keep pace with technological change could adversely affect our business, and our digital growth strategy may subject us to additional operational, strategic, reputational or regulatory risks.
  • Integrating Vista may be more difficult, costly or time consuming than expected, and we may fail to realize the anticipated benefits and cost savings of the acquisition.
  • Our acquisitions generally will require regulatory approvals and failure to obtain such approvals would restrict our growth plans.
  • If we are unable to identify and consummate attractive acquisitions, or continue to increase loans through organic loan growth, we may be unable to successfully implement our growth strategy, and our results of operations and financial condition could be materially and adversely affected.
  • Projected operating results for businesses acquired by us, inclusive of Vista, may be inaccurate and may vary significantly from actual results. To the extent that we make future acquisitions, we may not be able to realize the value we predict from these assets or make sufficient provision for future losses in the value of, or accurately estimate the future write-downs to be taken in respect of, these assets.
  • Risks Relating to the Regulation of Our Industry
  • We operate in a highly regulated environment and the laws and regulations that govern our operations, corporate governance, executive compensation and accounting principles, or changes in them, or our failure to comply with them, could materially and adversely affect us.
  • We will be subject to increased regulation and regulatory scrutiny now that our total consolidated assets exceed $10 billion, which could impede or delay our ability to execute on our business plans.
  • The Federal Reserve may require us to commit capital resources to support our subsidiary banks.
  • Our ability to execute our capital allocation strategy, including paying dividends or repurchasing shares, is subject to regulatory limitations.
  • The FDIC’s restoration plan for the DIF and any related increased assessment rates could materially and adversely affect us.
  • Federal and state banking agencies periodically conduct examinations of our business, including compliance with laws and regulations, and our failure to comply with any supervisory actions to which we become subject as a result of such examinations could materially and adversely affect us.
  • We are subject to the CRA and fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions.
  • We face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.
  • General Risk Factors
  • We depend on our executive officers and key personnel to implement our strategy and the loss of their services could have a material adverse effect on our ability to conduct our business operations.
  • Tax legislation initiatives or challenges to our tax positions could adversely affect our results of operations and financial condition.

Legal proceedings

From time to time, we are a party to various litigation matters incidental to the conduct of our business. We do not believe that any of our pending legal proceedings, individually or in the aggregate, will have a material adverse effect on our business, prospects, financial condition, results of operations or liquidity.

The opening of Item 3, Legal Proceedings.4

Sources

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