NKSH Fundamental Analysis - NATIONAL BANKSHARES INC/VA

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to NKSH. NKSH was compared to 392 industry peers in the Banks industry. While NKSH seems to be doing ok healthwise, there are quite some concerns on its profitability. NKSH has a decent growth rate and is not valued too expensively.

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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.

NKSH had positive earnings in each of the past 5 years.

Each year in the past 5 years NKSH had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.62%, NKSH is doing worse than 68.11% of the companies in the same industry.

Looking at the Return On Equity, with a value of 6.68%, NKSH is doing worse than 66.33% of the companies in the same industry.

		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

The Profit Margin of NKSH (22.54%) is comparable to the rest of the 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)	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

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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.

NKSH has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, NKSH has less shares outstanding

NKSH has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

WACC8.7%

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 has grown by an impressive 49.93% over the past year.

Measured over the past years, NKSH shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -14.31% on average per year.

The Revenue has grown by 16.71% 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)49.93%

EPS 3Y-28%

EPS 5Y-14.31%

EPS Q2Q%1320%

Revenue 1Y (TTM)16.71%

Revenue growth 3Y-3.4%

Revenue growth 5Y-0.52%

Sales Q2Q%26.33%

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

Based on estimates for the next years, NKSH will show a quite strong growth in Revenue. The Revenue will grow by 15.75% on average per year.

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

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

Based on the Price/Earnings ratio of 14.76, the valuation of NKSH can be described as correct.

NKSH's Price/Earnings ratio is a bit more expensive when compared to the industry. NKSH is more expensive than 64.29% of the companies in the same industry.

NKSH is valuated rather cheaply when we compare the Price/Earnings ratio to 27.27, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 10.36 indicates a reasonable valuation of NKSH.

The rest of the industry has a similar Price/Forward Earnings ratio as NKSH.

The average S&P500 Price/Forward Earnings ratio is at 22.77. NKSH is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	14.76
Fwd PE	10.36

4.2 Price Multiples

NKSH's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. NKSH is more expensive than 68.11% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	19.49
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)0.14

PEG (5Y)N/A

EPS Next 2Y53.3%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.88%, NKSH is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.73, NKSH pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.38, NKSH pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.88%

5.2 History

The dividend of NKSH has a limited annual growth rate of 2.47%.

NKSH has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)2.47%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

NKSH pays out 85.17% 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.

DP85.17%

EPS Next 2Y53.3%

EPS Next 3YN/A

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NATIONAL BANKSHARES INC/VA

NASDAQ:NKSH (9/15/2025, 8:23:01 PM)

29.81

-0.34 (-1.13%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

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

Inst Owners33.18%

Inst Owner Change-4.16%

Ins Owners3.24%

Ins Owner Change1.61%

Market Cap189.89M

Analysts85.71

Price Target35.19 (18.05%)

Short Float %1.21%

Short Ratio6.11

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.88%

Yearly Dividend1.51

Dividend Growth(5Y)2.47%

DP85.17%

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)-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)2.47%

EPS NY rev (3m)2.47%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)5.48%

Revenue NY rev (1m)3.51%

Revenue NY rev (3m)3.51%

Valuation

		Industry Rank	Sector Rank
PE	14.76
Fwd PE	10.36
P/S	3.79
P/FCF	19.49
P/OCF	14.41
P/B	1.13
P/tB	1.21
EV/EBITDA	N/A

EPS(TTM)2.02

EY6.78%

EPS(NY)2.88

Fwd EY9.65%

FCF(TTM)1.53

FCFY5.13%

OCF(TTM)2.07

OCFY6.94%

SpS7.86

BVpS26.49

TBVpS24.54

PEG (NY)0.14

PEG (5Y)N/A

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

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-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

WACC8.7%

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)49.93%

EPS 3Y-28%

EPS 5Y-14.31%

EPS Q2Q%1320%

EPS Next Y107.5%

EPS Next 2Y53.3%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)16.71%

Revenue growth 3Y-3.4%

Revenue growth 5Y-0.52%

Sales Q2Q%26.33%

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) 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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