31.86 USD
+1 (+3.24%)
31.86 USD
0 (0%)
Overall NKSH gets a fundamental rating of 4 out of 10. We evaluated NKSH against 387 industry peers in the Banks industry. The financial health of NKSH is average, but there are quite some concerns on its profitability. NKSH has a correct valuation and a medium growth rate. Finally NKSH also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year NKSH was profitable.
NKSH had a positive operating cash flow in the past year.
NKSH had positive earnings in each of the past 5 years.
NKSH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
NKSH's Return On Assets of 0.72% is on the low side compared to the rest of the industry. NKSH is outperformed by 63.57% of its industry peers.
The Return On Equity of NKSH (7.27%) is worse than 64.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 7.27% | ||
| 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
NKSH has a Profit Margin (24.79%) which is in line with its industry peers.
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) | 24.79% | ||
| 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.
NKSH has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, NKSH has less shares outstanding
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
WACC8.82%
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.
NKSH shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.31% yearly.
NKSH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.83%.
The Revenue has been decreasing by -0.52% on average over the past years.
EPS 1Y (TTM)77.23%
EPS 3Y-28%
EPS 5Y-14.31%
EPS Q2Q%66.67%
Revenue 1Y (TTM)19.83%
Revenue growth 3Y-3.4%
Revenue growth 5Y-0.52%
Sales Q2Q%23.56%
3.2 Future
NKSH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 53.30% yearly.
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
The Price/Earnings ratio is 13.85, which indicates a correct valuation of NKSH.
NKSH's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of NKSH to the average of the S&P500 Index (26.59), we can say NKSH is valued slightly cheaper.
With a Price/Forward Earnings ratio of 11.08, the valuation of NKSH can be described as very reasonable.
NKSH's Price/Forward Earnings ratio is in line with the industry average.
NKSH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.85 | ||
| Fwd PE | 11.08 |
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 64.34% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.73 | ||
| 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.
NKSH's earnings are expected to grow with 53.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y53.3%
EPS Next 3YN/A
5. Dividend
5.1 Amount
NKSH has a Yearly Dividend Yield of 5.16%, which is a nice return.
NKSH's Dividend Yield is rather good when compared to the industry average which is at 3.11. NKSH pays more dividend than 91.47% of the companies in the same industry.
NKSH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.16% |
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 73.76% of its income as dividend. This is not a sustainable payout ratio.
NKSH's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP73.76%
EPS Next 2Y53.3%
EPS Next 3YN/A
31.86
+1 (+3.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners35.82%
Inst Owner Change11.18%
Ins Owners3.24%
Ins Owner Change1.61%
Market Cap202.95M
Revenue(TTM)52.54M
Net Income(TTM)13.02M
Analysts85.71
Price Target35.19 (10.45%)
Short Float %1.28%
Short Ratio9.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.16% |
Yearly Dividend1.51
Dividend Growth(5Y)2.47%
DP73.76%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.29%
Min EPS beat(2)-6.56%
Max EPS beat(2)3.98%
EPS beat(4)1
Avg EPS beat(4)-1.89%
Min EPS beat(4)-6.56%
Max EPS beat(4)3.98%
EPS beat(8)3
Avg EPS beat(8)-17.66%
EPS beat(12)3
Avg EPS beat(12)-17.27%
EPS beat(16)7
Avg EPS beat(16)-10.64%
Revenue beat(2)1
Avg Revenue beat(2)-0.29%
Min Revenue beat(2)-0.91%
Max Revenue beat(2)0.33%
Revenue beat(4)1
Avg Revenue beat(4)-1.63%
Min Revenue beat(4)-3.46%
Max Revenue beat(4)0.33%
Revenue beat(8)1
Avg Revenue beat(8)-3.14%
Revenue beat(12)2
Avg Revenue beat(12)-3.87%
Revenue beat(16)6
Avg Revenue beat(16)-2.57%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.85 | ||
| Fwd PE | 11.08 | ||
| P/S | 3.86 | ||
| P/FCF | 15.73 | ||
| P/OCF | 12.55 | ||
| P/B | 1.13 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.3
EY7.22%
EPS(NY)2.88
Fwd EY9.03%
FCF(TTM)2.03
FCFY6.36%
OCF(TTM)2.54
OCFY7.97%
SpS8.25
BVpS28.14
TBVpS26.2
PEG (NY)0.13
PEG (5Y)N/A
Graham Number38.16
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 7.27% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.79% | ||
| GM | N/A | ||
| FCFM | 24.56% |
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 | 230.72% | ||
| Cap/Sales | 6.2% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 99.09% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.82%
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)19.83%
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-43.76%
FCF growth 3Y-35.05%
FCF growth 5Y-19.06%
OCF growth 1Y-34.18%
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 5 / 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 13.85 and the Price/Book (PB) ratio is 1.13.
Can you provide the dividend sustainability for NKSH stock?
The dividend rating of NATIONAL BANKSHARES INC/VA (NKSH) is 7 / 10 and the dividend payout ratio is 73.76%.