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National Bankshares, Inc. NKSH R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.nationalbankshares.com
Company Profile ↓
$42.07
+52.95% 1Y
Mkt Cap$267.92M
P/E13.19
P/B1.39
Div. Yield3.60%
52W High$43.19
52W Low$25.92
Book Value$30.20
EPS (TTM)$3.19

Company Overview

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 retirement accounts. Its loan products include commercial non-real estate loans, including commercial and agricultural loans; commercial and consumer real estate loans; residential real estate loans; home equity loans; various consumer loans, such as credit cards, automobile, and other consumer loans; and public sector and IDA loans, as well as loans for the construction of commercial and residential properties. The company also provides business and consumer debit and credit cards; letters of credit, night depository, safe deposit boxes, utility payment services, and automatic funds transfer; wealth management, trust, and estate services; non-deposit investment and insurance products; and telephone, mobile, and Internet banking services, as well as operates automated teller machines. The company was founded in 1891 and is headquartered in Blacksburg, Virginia.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 13.2, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 33.5%.

Dividend Income

Offers a dividend yield of 3.60%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $8.18M (+9.8% YoY); net profit $15.83M.
  • Trailing 12 Months Year-on-year growth — revenue +16.2%, earnings +119.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 4.7%, profit CAGR 0.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:4.69%
1 Year:16.20%

Compounded Profit Growth

5 Years:0.63%
1 Year:119.50%

Stock Price Performance

1 Year:+52.95%
6 Months:+16.12%
3 Months:+20.89%
1 Month:+0.89%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 94% of range
$25.92 $43.19
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)59.32 · Neutral
Price Performance
1M+0.89%
3M+20.89%
6M+16.12%
1Y+52.95%
Valuation vs Sector

P/E of 13.19 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 33.5%.
  • Attractive dividend yield of 3.60%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
13.19
Industry PE
14.52
Forward P/E
10.90
PEG Ratio
-
Book Value
$30.20
Price to Book
1.39
P/S
4.43
EV/EBITDA
-
Dividend Yield
3.60%

Growth (CAGR)

Revenue 5Y
4.69%
Profit 5Y
0.63%
Revenue (YoY)
16.20%
Earnings (YoY)
119.50%

Profitability & Returns

ROCE
-
ROE
11.25%
ROA
1.12%
Profit Margin
33.54%
Op Margin
41.41%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.78
EPS (TTM)
$3.19

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$0
Total Assets
$1.83B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.34%
Chg in Prom Hold
-0.00%
FII / Inst Holding
37.12%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$267.92M
Total Revenue (TTM)
$60.56M
EBITDA
-
Free Cash Flow
$14.03M
Operating Cash Flow
$17.89M
Shares Outstanding
6.37M
Gross Margin
0.00%
Payout Ratio
47.96%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 NKSH National Bankshares, Inc. R2KFINANCIAL 42.07 13.19 $267.92M 3.60% - 11.25% 4.69% 0.63%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ------------1.46M--1.54M1.58M1.57M1.48M1.51M1.58M1.46M1.28M1.41M1.76M1.57M1.59M1.71M1.77M1.79M1.84M1.69M1.83M1.90M1.83M1.88M2.13M1.92M2.08M2.21M
Net Income 4.22M4.43M4.52M4.40M4.11M4.26M3.97M4.11M4.20M3.78M3.87M3.83M3.65M3.57M3.79M3.30M4.04M4.25M4.44M3.99M4.25M3.98M2.98M4.17M4.77M4.61M5.75M4.89M5.57M6.16M4.53M3.90M3.07M2.17M-307.00K2.68M3.24M2.29M4.42M4.98M
Diluted EPS 0.600.640.650.630.590.610.570.590.600.540.560.550.520.510.540.470.580.610.650.610.650.610.460.640.740.740.94-0.931.030.770.660.520.37-0.050.420.510.360.690.78

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------5.41M6.11M6.27M6.15M5.65M6.65M6.99M7.07M7.45M8.18M
Net Income 14.32M15.57M17.64M17.75M17.79M16.91M15.83M14.94M14.09M16.15M17.47M16.08M20.38M25.93M15.69M7.62M15.83M
Diluted EPS 2.062.242.542.552.552.432.282.152.032.322.652.48-4.332.661.242.49

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Sep 2020Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.02B1.07B1.10B1.11B1.15B1.20B1.23B1.26B1.26B1.32B-1.52B1.70B1.68B1.66B1.81B1.82B
Total Equity 110.11M122.08M129.19M141.30M150.11M145.89M166.30M172.11M178.26M184.90M190.24M183.73M202.19M200.61M191.75M122.69M140.52M156.41M184.91M
Cash & Equivalents 16.32M12.89M9.86M11.90M14.78M-----------86.60M108.12M59.25M
Total Liabilities --893.05M925.80M954.25M964.74M988.43M1.03B1.06B1.07B1.07B1.14B-1.32B1.51B1.55B1.51B1.66B1.64B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 14.87M18.57M19.46M22.71M--20.53M17.53M10.99M19.80M18.83M13.79M22.88M29.50M15.52M9.44M17.89M
Investing Cash Flow -46.74M-47.76M-45.32M-39.74M---49.95M-32.22M-20.19M-3.63M-61.68M-177.60M-193.25M-129.71M53.19M15.79M-39.18M
Financing Cash Flow 28.44M26.16M27.90M19.91M--28.67M16.51M8.15M-16.21M40.25M166.67M175.28M32.85M-53.54M-3.71M-27.58M
Capital Expenditure -330.00K-728.00K-725.00K-769.00K-276.00K-459.00K-663.00K-634.00K-261.00K-1.19M-1.03M-1.82M-323.00K-1.26M-1.49M--
Free Cash Flow 14.54M17.84M18.73M21.94M--19.87M16.90M10.73M18.61M17.80M11.97M22.56M28.24M14.03M--
Share Buybacks ----------18.52M1.72M13.35M6.34M0--
Dividends Paid --6.94M7.64M7.78M7.85M7.93M8.07M8.14M8.42M9.03M9.00M8.81M8.95M14.78M9.26M9.61M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------276.1%230.5%257.8%283.8%284.3%306.4%370.8%221.9%102.4%193.6%
ROE % 11.7%12.1%12.5%11.8%12.2%10.2%9.2%8.4%7.6%8.5%9.5%8.0%10.6%21.1%11.2%4.9%8.6%
ROCE % -----------------

Shareholding Pattern

Insiders
3.34%
Institutions
37.12%
Public Float
38.41%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 8.31% 529.52K $21.68M
2 Vanguard Capital Management LLC 4.22% 268.59K $11.00M
3 Geode Capital Management, LLC 2.59% 164.94K $6.75M
4 Dimensional Fund Advisors LP 2.31% 147.23K $6.03M
5 Acadian Asset Management. LLC 2.08% 132.59K $5.43M
6 State Street Corporation 1.44% 91.92K $3.76M
7 Arrowstreet Capital, Limited Partnership 1.40% 89.24K $3.65M
8 Renaissance Technologies, LLC 0.98% 62.67K $2.57M
9 Northern Trust Corporation 0.81% 51.85K $2.12M
10 RBF Capital, LLC 0.78% 50.00K $2.05M

Analyst View

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Latest News

Recent headlines for NKSH

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NKSH — Frequently Asked Questions

What is the current share price of National Bankshares, Inc. (NKSH)?

As of 2026-09-07 16:24 PDT, National Bankshares, Inc. (NKSH) trades at $42.07 on NasdaqCM. Its 52-week range is $25.92 to $43.19.

What is the market capitalisation of NKSH?

National Bankshares, Inc. (NKSH) has a market capitalisation of $267.92M on NasdaqCM.

What is the P/E ratio of NKSH?

NKSH trades at a trailing price-to-earnings (P/E) ratio of 13.19. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.39.

Does NKSH pay a dividend?

National Bankshares, Inc. (NKSH) currently offers a dividend yield of 3.60%.

What is the return on equity (ROE) of NKSH?

NKSH has a return on equity (ROE) of 11.25%.

Is NKSH a good stock to buy?

This page provides a data-driven analysis of National Bankshares, Inc. (NKSH), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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