National Bankshares (NKSH)
NASDAQ:NKSH
NKSH Stock Chart & Stats
$33.01
$0.10(0.37%)
At close: 4:00 PM EST
$33.01
$0.10(0.37%)
Day’s Range― - ―
52-Week Range$23.75 - $40.00
Previous CloseN/A
Volume746.00
Average Volume (3M)10.28K
Market Cap
$237.10M
Enterprise Value$230.71M
Total Cash (Recent Filing)$662.80M
Total Debt (Recent Filing)$2.04M
Price to Earnings (P/E)13.5
Beta0.70
Next Earnings
Apr 16, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.47%
Share Statistics
EPS (TTM)0.92
Shares Outstanding6,368,410
10 Day Avg. Volume13,549
30 Day Avg. Volume10,278
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)1.15
Price to Sales (P/S)2.50
P/FCF Ratio14.07
Enterprise Value/Market Cap0.97
Enterprise Value/Revenue2.71
Enterprise Value/Gross Profit4.16
Enterprise Value/Ebitda11.61
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.82
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetZero reported debt and a sizable equity base (~$184.9M on ~$1.82B assets in 2025) provide durable capital flexibility. This conservative funding profile lowers default and liquidity risk, supports lending capacity through economic cycles, and underpins regulatory and dividend resilience over months.
Improved Cash GenerationMaterial strengthening of operating and free cash flow in 2025 (operating cash flow up to $17.9M) meaningfully improves the bank’s ability to fund loan growth, cover dividends, and absorb credit losses. Sustained cash conversion would enhance strategic optionality and balance sheet resilience.
Internal Lending Leadership ContinuityPromoting a 1993-tenured executive to Chief Lending Officer preserves institutional credit knowledge and customer relationships. This internal succession reduces execution risk in lending strategy, supports consistent underwriting standards, and helps maintain stable commercial and consumer loan growth across markets.
Bears Say
Profitability VolatilityWide swings in return on equity and margins reflect earnings sensitivity to interest rates, credit cycles, and operational factors. Persistent volatility complicates capital planning and long-term return expectations, making it harder to reliably forecast shareholder returns and reinvestment capacity.
Choppy Cash Flow HistoryThe recent sharp swings in free cash flow indicate uneven cash conversion and higher operational sensitivity. Such inconsistency can strain funding for dividends, capital expenditures, and loan originations in weaker periods, reducing predictability for multi-quarter planning and risk management.
Geographic Concentration RiskHeavy reliance on Virginia markets concentrates economic, regulatory, and credit-cycle exposure. Localized downturns or competitive shifts could disproportionately affect loan demand and asset quality, limiting diversification benefits and increasing sensitivity to regional real estate and commercial trends.
National Bankshares News
NKSH FAQ
What was National Bankshares’s price range in the past 12 months?
National Bankshares lowest stock price was $23.75 and its highest was $40.00 in the past 12 months.
What is National Bankshares’s market cap?
National Bankshares’s market cap is $237.10M.
When is National Bankshares’s upcoming earnings report date?
National Bankshares’s upcoming earnings report date is Apr 16, 2026 which is in 3 days.
How were National Bankshares’s earnings last quarter?
National Bankshares released its earnings results on Jan 22, 2026. The company reported $0.924 earnings per share for the quarter, beating the consensus estimate of $0.68 by $0.244.
Is National Bankshares overvalued?
According to Wall Street analysts National Bankshares’s price is currently Overvalued.
Does National Bankshares pay dividends?
National Bankshares pays a Semiannually dividend of $0.78 which represents an annual dividend yield of 4.47%. See more information on National Bankshares dividends here
What is National Bankshares’s EPS estimate?
National Bankshares’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does National Bankshares have?
National Bankshares has 6,368,410 shares outstanding.
What happened to National Bankshares’s price movement after its last earnings report?
National Bankshares reported an EPS of $0.924 in its last earnings report, beating expectations of $0.68. Following the earnings report the stock price went up 0.927%.
Which hedge fund is a major shareholder of National Bankshares?
Currently, no hedge funds are holding shares in NKSH
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
National Bankshares Stock Smart Score
Neutral
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5
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10
Hedge Fund Trend
Increased
By 12.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $8.0K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-1.80%
12-Months-Change
Fundamentals
Return on Equity
9.04%
Trailing 12-Months
Asset Growth
0.40%
Trailing 12-Months
Company Description
National Bankshares
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 and agricultural, commercial real estate, residential real estate, home equity, and various consumer loan products, 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 services, 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. It operates 23 branch offices, a loan production office, and 22 automated teller machines in Southwest Virginia. National Bankshares, Inc. was founded in 1891 and is headquartered in Blacksburg, Virginia.
Technical Analysis
Ames National
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First Internet Bancorp
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Franklin Financial Services
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Eagle Financial Services
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Ownership Overview
2.49% Insiders
8.87% Mutual Funds
14.41% Other Institutional Investors
65.21% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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