NKSH - National Bankshares, Inc. Stock Analysis | Finranks

Stock details

Previous close: 37.46$
Day's range: 37.25 - 37.76$
52-week range: 24.74 - 40$
Volume: 36 140
Average volume: 57 417
Beta: 0.57
EPS (TTM): 2.76
PE ratio (TTM): 13.57
Forward P/E: 11.63
Market cap: 238 560 637
Shares outstanding: 6 368 410
Dividend yield: $4.03 (4.03%)
Next earnings date: 2026-07-22
Sector: Financials
Industry: Banks - Regional

About the company

National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg that provides retail and commercial banking products and services to individuals, businesses, non-profits, and local governments. The company accepts interest-bearing and non-interest-bearing demand deposit accounts, money market deposit accounts, savings accounts, certificates of deposit, health savings accounts, and individual... read more

CEO: Lara Ramsey
Country: United States
IPO Date
Employees: 257
Fiscal Year End: January - December
Website: https://www.nationalbanksha...

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: NKSH

Loading Chart...

Overall Score

3.7 / 1037%

Financial Strength

2.8

Profitability

4.6

Effectiveness

2.5

Growth

5.3

Forecast

3.5

Valuation

4.5

Dividend

5.3

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $0.0

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.0) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.06	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	N/A	0.05	1.0
Debt to Assets	N/A	0.09	1.0
Interest coverage	N/A	N/A	10
Weighted average score			2.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	62M	68M	79M	85M	86M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	32M	19M	12M	19M	23M
Net Income	26M	16M	8M	16M	18M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	39.52	0.44	10
Net margin %	32.55	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.79	1.46	2.0
ROE	8.45	14.94	6.0
ROIC	9.20	0.00	1.0
ROCE	N/A	0.00	1.0
Weighted average score			2.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	26.98	5.5
Next quarter	N/A	N/A	1.0
Current year	N/A	16.25	5.0
Next year	N/A	4.04	2.5
Weighted average score			3.5

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-2.58	-15.29	N/A	N/A	1.0
Y/Y	4.15	53.92	N/A	N/A	4.0
3y average	11	5.57	113.27	12.95	7.5
5y average	10.55	14.15	77.85	30.51	8.8
Weighted average score					5.3

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	13.30	11.16	5.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	4.02	3.37	4.0
P/B	1.09	1.53	7.0
Weighted average score			4.5

DCF Model

DCF Model PeriodN/A

Discount rateN/A

Perpetual growth rateN/A

Revenue 5 year CAGRN/A

FCF 5 year CAGRN/A

Fair valueN/A

Stock price37.46$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	4.66	4.66	9.0
Payout ratio	51.77	51.77	9.0
5-year dividend growth rate	0.99	0.99	2.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			5.3

Fair Value

$1

UndervaluedStock priceOvervalued

$37.46

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

Stock details

Previous close: 37.46$
Day's range: 37.25 - 37.76$
52-week range: 24.74 - 40$
Volume: 36 140
Average volume: 57 417
Beta: 0.57
EPS (TTM): 2.76
PE ratio (TTM): 13.57
Forward P/E: 11.63
Market cap: 238 560 637
Shares outstanding: 6 368 410
Dividend yield: $4.03 (4.03%)
Next earnings date: 2026-07-22
Sector: Financials
Industry: Banks - Regional

About the company

CEO: Lara Ramsey
Country: United States
IPO Date
Employees: 257
Fiscal Year End: January - December
Website: https://www.nationalbanksha...

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: NKSH

Loading Chart...

Overall Score

3.7 / 1037%

Financial Strength

2.8

Profitability

4.6

Effectiveness

2.5

Growth

5.3

Forecast

3.5

Valuation

4.5

Dividend

5.3

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $0.0

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.0) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.06	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	N/A	0.05	1.0
Debt to Assets	N/A	0.09	1.0
Interest coverage	N/A	N/A	10
Weighted average score			2.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	62M	68M	79M	85M	86M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	32M	19M	12M	19M	23M
Net Income	26M	16M	8M	16M	18M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	39.52	0.44	10
Net margin %	32.55	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.79	1.46	2.0
ROE	8.45	14.94	6.0
ROIC	9.20	0.00	1.0
ROCE	N/A	0.00	1.0
Weighted average score			2.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	26.98	5.5
Next quarter	N/A	N/A	1.0
Current year	N/A	16.25	5.0
Next year	N/A	4.04	2.5
Weighted average score			3.5

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-2.58	-15.29	N/A	N/A	1.0
Y/Y	4.15	53.92	N/A	N/A	4.0
3y average	11	5.57	113.27	12.95	7.5
5y average	10.55	14.15	77.85	30.51	8.8
Weighted average score					5.3

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	13.30	11.16	5.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	4.02	3.37	4.0
P/B	1.09	1.53	7.0
Weighted average score			4.5

DCF Model

DCF Model PeriodN/A

Discount rateN/A

Perpetual growth rateN/A

Revenue 5 year CAGRN/A

FCF 5 year CAGRN/A

Fair valueN/A

Stock price37.46$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	4.66	4.66	9.0
Payout ratio	51.77	51.77	9.0
5-year dividend growth rate	0.99	0.99	2.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			5.3

Fair Value

$1

UndervaluedStock priceOvervalued

$37.46

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

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National Bankshares, Inc. (NKSH)

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National Bankshares, Inc. (NKSH)

Stock details

About the company

Revenue Breakdown

News

Chart: NKSH

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1

$37.46

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: NKSH

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1

$37.46

Economic Moat