NATIONAL BANKSHARES INC/VA (NKSH) Stock Fundamental Analysis
USA - NASDAQ:NKSH - US6348651091 - Common Stock
28.63 USD
+0.62 (+2.21%)
28.63 USD
0 (0%)
NKSH gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. NKSH scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. NKSH has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
NKSH had positive earnings in the past year.
NKSH had a positive operating cash flow in the past year.
In the past 5 years NKSH has always been profitable.
NKSH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.62%, NKSH is doing worse than 68.72% of the companies in the same industry.
NKSH's Return On Equity of 6.68% is on the low side compared to the rest of the industry. NKSH is outperformed by 66.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 6.68% | ||
| ROIC | N/A |
ROA(3y)0.97%
ROA(5y)1.03%
ROE(3y)12.39%
ROE(5y)11.16%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 22.54%, NKSH perfoms like the industry average, outperforming 45.13% of the companies in the same industry.
NKSH's Profit Margin has declined in the last couple of years.
NKSH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.54% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.41%
PM growth 5Y-14.84%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
NKSH does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, NKSH has more shares outstanding
The number of shares outstanding for NKSH has been reduced compared to 5 years ago.
There is no outstanding debt for NKSH. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
NKSH has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 77.23% over the past year.
The earnings per share for NKSH have been decreasing by -14.31% on average. This is quite bad
The Revenue has decreased by -2.76% in the past year.
Measured over the past years, NKSH shows a decrease in Revenue. The Revenue has been decreasing by -0.52% on average per year.
EPS 1Y (TTM)77.23%
EPS 3Y-28%
EPS 5Y-14.31%
EPS Q2Q%66.67%
Revenue 1Y (TTM)-2.76%
Revenue growth 3Y-3.4%
Revenue growth 5Y-0.52%
Sales Q2Q%23.56%
3.2 Future
The Earnings Per Share is expected to grow by 53.30% on average over the next years. This is a very strong growth
NKSH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.75% yearly.
EPS Next Y107.5%
EPS Next 2Y53.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.83%
Revenue Next 2Y15.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.45 indicates a correct valuation of NKSH.
NKSH's Price/Earnings is on the same level as the industry average.
NKSH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
A Price/Forward Earnings ratio of 9.95 indicates a reasonable valuation of NKSH.
NKSH's Price/Forward Earnings is on the same level as the industry average.
NKSH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.55.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 9.95 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NKSH indicates a slightly more expensive valuation: NKSH is more expensive than 67.18% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.71 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NKSH's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
NKSH's earnings are expected to grow with 53.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y53.3%
EPS Next 3YN/A
5. Dividend
5.1 Amount
NKSH has a Yearly Dividend Yield of 5.21%, which is a nice return.
NKSH's Dividend Yield is rather good when compared to the industry average which is at 3.51. NKSH pays more dividend than 87.18% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, NKSH pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
5.2 History
The dividend of NKSH has a limited annual growth rate of 2.47%.
NKSH has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.47%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
85.17% of the earnings are spent on dividend by NKSH. This is not a sustainable payout ratio.
NKSH's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP85.17%
EPS Next 2Y53.3%
EPS Next 3YN/A
28.63
+0.62 (+2.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners33.47%
Inst Owner Change-0.49%
Ins Owners3.24%
Ins Owner Change1.61%
Market Cap182.37M
Revenue(TTM)45.36M
Net Income(TTM)11.28M
Analysts85.71
Price Target35.19 (22.91%)
Short Float %1.31%
Short Ratio10.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
Yearly Dividend1.51
Dividend Growth(5Y)2.47%
DP85.17%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.2%
Min EPS beat(2)-6.56%
Max EPS beat(2)-3.85%
EPS beat(4)1
Avg EPS beat(4)-0.8%
Min EPS beat(4)-6.56%
Max EPS beat(4)8.36%
EPS beat(8)2
Avg EPS beat(8)-20.19%
EPS beat(12)3
Avg EPS beat(12)-17.03%
EPS beat(16)7
Avg EPS beat(16)-9.14%
Revenue beat(2)1
Avg Revenue beat(2)-1.07%
Min Revenue beat(2)-2.47%
Max Revenue beat(2)0.33%
Revenue beat(4)1
Avg Revenue beat(4)-1.55%
Min Revenue beat(4)-3.46%
Max Revenue beat(4)0.33%
Revenue beat(8)1
Avg Revenue beat(8)-5.36%
Revenue beat(12)3
Avg Revenue beat(12)-3.71%
Revenue beat(16)7
Avg Revenue beat(16)-2.33%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.13%
EPS NY rev (1m)0%
EPS NY rev (3m)2.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 9.95 | ||
| P/S | 3.64 | ||
| P/FCF | 18.71 | ||
| P/OCF | 13.84 | ||
| P/B | 1.08 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.3
EY8.03%
EPS(NY)2.88
Fwd EY10.05%
FCF(TTM)1.53
FCFY5.34%
OCF(TTM)2.07
OCFY7.22%
SpS7.86
BVpS26.49
TBVpS24.54
PEG (NY)0.12
PEG (5Y)N/A
Graham Number37.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 6.68% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.54% | ||
| GM | N/A | ||
| FCFM | 19.47% |
ROA(3y)0.97%
ROA(5y)1.03%
ROE(3y)12.39%
ROE(5y)11.16%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.41%
PM growth 5Y-14.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 242.65% | ||
| Cap/Sales | 6.86% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 86.39% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.75%
ROIC/WACCN/A
Cap/Depr(3y)230.27%
Cap/Depr(5y)199.43%
Cap/Sales(3y)4.17%
Cap/Sales(5y)3.42%
Profit Quality(3y)93.14%
Profit Quality(5y)92.91%
High Growth Momentum
Growth
EPS 1Y (TTM)77.23%
EPS 3Y-28%
EPS 5Y-14.31%
EPS Q2Q%66.67%
EPS Next Y107.5%
EPS Next 2Y53.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.76%
Revenue growth 3Y-3.4%
Revenue growth 5Y-0.52%
Sales Q2Q%23.56%
Revenue Next Year21.83%
Revenue Next 2Y15.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-62.39%
FCF growth 3Y-35.05%
FCF growth 5Y-19.06%
OCF growth 1Y-52.66%
OCF growth 3Y-25.56%
OCF growth 5Y-12.9%
NATIONAL BANKSHARES INC/VA / NKSH FAQ
What is the fundamental rating for NKSH stock?
ChartMill assigns a fundamental rating of 4 / 10 to NKSH.
Can you provide the valuation status for NATIONAL BANKSHARES INC/VA?
ChartMill assigns a valuation rating of 4 / 10 to NATIONAL BANKSHARES INC/VA (NKSH). This can be considered as Fairly Valued.
How profitable is NATIONAL BANKSHARES INC/VA (NKSH) stock?
NATIONAL BANKSHARES INC/VA (NKSH) has a profitability rating of 2 / 10.
What are the PE and PB ratios of NATIONAL BANKSHARES INC/VA (NKSH) stock?
The Price/Earnings (PE) ratio for NATIONAL BANKSHARES INC/VA (NKSH) is 12.45 and the Price/Book (PB) ratio is 1.08.
Can you provide the dividend sustainability for NKSH stock?
The dividend rating of NATIONAL BANKSHARES INC/VA (NKSH) is 6 / 10 and the dividend payout ratio is 85.17%.