Oxford Lane Capital vs National Bank Holdings

This page compares Oxford Lane Capital Corp. and National Bank Holdings Corp., examining their business models, financial performance, and market context in a neutral, accessible way. It presents factual context to help readers understand similarities and differences without recommendation or judgement. Educational content, not financial advice.

This page compares Oxford Lane Capital Corp. and National Bank Holdings Corp., examining their business models, financial performance, and market context in a neutral, accessible way. It presents fact...

Comparison Snapshot

Key Financial Metrics

OXLC

Metric

NBHC

$1.41B

Market Cap

$1.52B

42.65%

Potential Profit

11.08%

Buy

Analyst Rating

Buy

Investment Analysis

Oxford Lane Capital

OXLC

Pros

Strong dividend yield of 31.6% reflects substantial income generation for shareholders, with the ex-dividend date upcoming.
Revenue growth of over 40% year-on-year demonstrates improved top-line momentum despite a challenging earnings environment.
Focus on CLO debt and equity tranches provides differentiated exposure to senior secured loans, with limited direct real estate or consumer credit risk.

Considerations

Net income fell sharply by nearly 80% year-on-year, raising questions about sustainable profitability amid rising costs or investment losses.
Shares trade at a material discount to net asset value, potentially reflecting investor concerns over portfolio quality or market sentiment.
High dividend payout may not be fully covered by earnings, introducing risk of future cuts if investment income falters.

National Bank Holdings

NBHC

Pros

As of the latest available data, National Bank Holdings Corp maintains a strong capital position with robust regulatory capital ratios.
The bank has demonstrated consistent loan growth, driven by a focus on commercial lending and regional market expansion.
Recent efficiency improvements and cost control initiatives have supported stable net interest margins despite a challenging rate environment.

Considerations

National Bank Holdings is highly sensitive to interest rate changes, which may pressure earnings if rate cuts occur.
Geographic concentration in certain US regions exposes the bank to local economic downturns and competitive pressures.
Regulatory compliance costs remain elevated, potentially limiting profitability compared to larger, more diversified peers.

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About The Companies

Oxford Lane Capital (OXLC)

Oxford Lane Capital Corp. (OXLC) is a closed‑end investment company that primarily provides capital to credit markets, often through investments in collateralised loan obligations (CLOs), syndicated loans and related credit instruments. With a market capitalisation of about $1.35 billion, OXLC aims to generate income for shareholders and typically pays regular distributions. Investors should know that closed‑end credit vehicles can trade at a premium or discount to net asset value (NAV), and that leverage, credit selection and interest‑rate moves can amplify both returns and losses. The trust’s portfolio is exposed to below‑investment‑grade credit and structured credit risks, so periods of market stress can lead to price volatility and dividend pressure. This summary is for general educational purposes only, not personalised advice; suitability depends on an investor’s objectives, time horizon and risk tolerance. Past performance is not a guide to future results and distributions are not guaranteed.

National Bank Holdings (NBHC)

National Bank Holdings Corporation (NBHC) is a US regional bank holding company that operates through subsidiary banking operations offering commercial and consumer lending, deposit services and basic wealth-management products. With a market capitalisation around $1.4 billion, NBHC sits in the small-cap regional banking category where growth can come from loan book expansion and targeted acquisitions, but where balance-sheet sensitivity and regulatory oversight are prominent. Investors should watch loan portfolio quality, deposit trends and net interest margin, all of which are influenced by economic conditions and interest-rate cycles. As with other regional banks, credit performance and funding costs can materially affect results. NBHC may appeal to investors looking for regional financial exposure, but it carries typical sector risks — earnings can be volatile and past performance is not an indicator of future returns. This is general information for educational purposes and not personalised investment advice; suitability depends on individual circumstances.

Which Baskets Do They Appear In?

High Yielding Stocks

Looking for income from your investments? These carefully selected companies have historically paid substantial dividends compared to their share prices. Our analysts have handpicked these stocks for their dividend potential.

Published: May 7, 2025

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Which Baskets Do They Appear In?

High Yielding Stocks

Looking for income from your investments? These carefully selected companies have historically paid substantial dividends compared to their share prices. Our analysts have handpicked these stocks for their dividend potential.

Published: May 7, 2025

Explore Basket

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Comparison Snapshot