NKSH Fundamental Analysis - NATIONAL BANKSHARES INC/VA

Fundamental Rating

Overall NKSH gets a fundamental rating of 4 out of 10. We evaluated NKSH against 393 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.

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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

NKSH has a worse Return On Assets (0.47%) than 75.83% of its industry peers.

NKSH has a Return On Equity of 5.19%. This is in the lower half of the industry: NKSH underperforms 75.32% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.47%
ROE	5.19%
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

Looking at the Profit Margin, with a value of 18.20%, NKSH is doing worse than 68.19% of the companies in the same industry.

NKSH's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for NKSH so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	18.2%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NKSH does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for NKSH has been increased compared to 1 year ago.

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

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.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC9.02%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for NKSH have decreased strongly by -31.11% in the last year.

The earnings per share for NKSH have been decreasing by -14.31% on average. This is quite bad

The Revenue has grown by 8.59% in the past year. This is quite good.

NKSH shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.52% yearly.

EPS 1Y (TTM)-31.11%

EPS 3Y-28%

EPS 5Y-14.31%

EPS Q2Q%37.84%

Revenue 1Y (TTM)8.59%

Revenue growth 3Y-3.4%

Revenue growth 5Y-0.52%

Sales Q2Q%24.39%

3.2 Future

The Earnings Per Share is expected to grow by 50.83% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 11.66% on average over the next years. This is quite good.

EPS Next Y102.5%

EPS Next 2Y50.83%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year17.7%

Revenue Next 2Y11.66%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 20.41, which indicates a rather expensive current valuation of NKSH.

Based on the Price/Earnings ratio, NKSH is valued more expensive than 81.17% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.25, NKSH is valued a bit cheaper.

A Price/Forward Earnings ratio of 9.97 indicates a reasonable valuation of NKSH.

NKSH's Price/Forward Earnings ratio is in line with the industry average.

When comparing the Price/Forward Earnings ratio of NKSH to the average of the S&P500 Index (36.80), we can say NKSH is valued rather cheaply.

		Industry Rank	Sector Rank
PE	20.41
Fwd PE	9.97

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NKSH is valued expensively inside the industry as 83.46% of the companies are valued cheaper.

		Industry Rank	Sector Rank
P/FCF	41.44
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as NKSH's earnings are expected to grow with 50.83% in the coming years.

PEG (NY)0.2

PEG (5Y)N/A

EPS Next 2Y50.83%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

NKSH has a Yearly Dividend Yield of 5.03%, which is a nice return.

NKSH's Dividend Yield is rather good when compared to the industry average which is at 3.33. NKSH pays more dividend than 87.28% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.34, NKSH pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.03%

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

NKSH pays out 106.67% of its income as dividend. This is not a sustainable payout ratio.

The dividend of NKSH is growing, but earnings are growing more, so the dividend growth is sustainable.

DP106.67%

EPS Next 2Y50.83%

EPS Next 3YN/A

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NATIONAL BANKSHARES INC/VA

NASDAQ:NKSH (7/31/2025, 8:00:02 PM)

After market: 27.76 0 (0%)

27.76

-0.58 (-2.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-16 2025-07-16

Earnings (Next)10-22 2025-10-22

Inst Owners33.29%

Inst Owner Change-0.35%

Ins Owners3.18%

Ins Owner Change2.51%

Market Cap176.55M

Analysts85.71

Price Target35.19 (26.77%)

Short Float %1.24%

Short Ratio5.12

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.03%

Yearly Dividend1.51

Dividend Growth(5Y)2.47%

DP106.67%

Div Incr Years0

Div Non Decr Years0

Ex-Date05-27 2025-05-27 (0.73)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-2.49%

Min EPS beat(2)-3.85%

Max EPS beat(2)-1.14%

EPS beat(4)1

Avg EPS beat(4)-34.37%

Min EPS beat(4)-140.85%

Max EPS beat(4)8.36%

EPS beat(8)2

Avg EPS beat(8)-22.13%

EPS beat(12)4

Avg EPS beat(12)-15.37%

EPS beat(16)8

Avg EPS beat(16)-8.5%

Revenue beat(2)0

Avg Revenue beat(2)-2.97%

Min Revenue beat(2)-3.46%

Max Revenue beat(2)-2.47%

Revenue beat(4)0

Avg Revenue beat(4)-3.2%

Min Revenue beat(4)-6.27%

Max Revenue beat(4)-0.61%

Revenue beat(8)0

Avg Revenue beat(8)-6.31%

Revenue beat(12)3

Avg Revenue beat(12)-3.59%

Revenue beat(16)6

Avg Revenue beat(16)-2.52%

PT rev (1m)0%

PT rev (3m)-9.21%

EPS NQ rev (1m)0%

EPS NQ rev (3m)10.34%

EPS NY rev (1m)0%

EPS NY rev (3m)3.4%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.18%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-1.69%

Valuation

		Industry Rank	Sector Rank
PE	20.41
Fwd PE	9.97
P/S	3.7
P/FCF	41.44
P/OCF	21.63
P/B	1.06
P/tB	1.14
EV/EBITDA	N/A

EPS(TTM)1.36

EY4.9%

EPS(NY)2.78

Fwd EY10.03%

FCF(TTM)0.67

FCFY2.41%

OCF(TTM)1.28

OCFY4.62%

SpS7.5

BVpS26.3

TBVpS24.34

PEG (NY)0.2

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.47%
ROE	5.19%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.2%
GM	N/A
FCFM	8.93%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	306.92%
Cap/Sales	8.18%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	49.05%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC9.02%

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)-31.11%

EPS 3Y-28%

EPS 5Y-14.31%

EPS Q2Q%37.84%

EPS Next Y102.5%

EPS Next 2Y50.83%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.59%

Revenue growth 3Y-3.4%

Revenue growth 5Y-0.52%

Sales Q2Q%24.39%

Revenue Next Year17.7%

Revenue Next 2Y11.66%

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-83.53%

FCF growth 3Y-35.05%

FCF growth 5Y-19.06%

OCF growth 1Y-69.92%

OCF growth 3Y-25.56%

OCF growth 5Y-12.9%

NATIONAL BANKSHARES INC/VA (NKSH) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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