NKSH Fundamental Analysis - NATIONAL BANKSHARES INC/VA

Fundamental Rating

NKSH gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. While NKSH seems to be doing ok healthwise, there are quite some concerns on its profitability. NKSH is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

NKSH had positive earnings in the past year.

In the past year NKSH had a positive cash flow from operations.

In the past 5 years NKSH has always been profitable.

In the past 5 years NKSH always reported a positive cash flow from operatings.

1.2 Ratios

With a Return On Assets value of 0.62%, NKSH is not doing good in the industry: 68.37% of the companies in the same industry are doing better.

NKSH has a Return On Equity of 6.68%. This is in the lower half of the industry: NKSH underperforms 66.58% 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 45.41% of the companies in the same industry.

In the last couple of years the Profit Margin of NKSH has declined.

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.

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

WACC8.77%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

NKSH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 49.93%, which is quite impressive.

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

The Revenue has grown by 16.71% in the past year. This is quite good.

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)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

Based on estimates for the next years, NKSH will show a very strong growth in Earnings Per Share. The EPS will grow by 53.30% on average per year.

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

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.49 indicates a correct valuation of NKSH.

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.

When comparing the Price/Earnings ratio of NKSH to the average of the S&P500 Index (27.90), we can say NKSH is valued slightly cheaper.

A Price/Forward Earnings ratio of 10.17 indicates a reasonable valuation of NKSH.

NKSH's Price/Forward Earnings is on the same level as the industry average.

NKSH is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.36, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	14.49
Fwd PE	10.17

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 67.09% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	19.13
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

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.03%, NKSH is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.59, NKSH pays a better dividend. On top of this NKSH pays more dividend than 83.67% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.44, 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 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

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

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NATIONAL BANKSHARES INC/VA

NASDAQ:NKSH (10/6/2025, 8:46:37 PM)

After market: 29.26 0 (0%)

29.26

+0.25 (+0.86%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-16 2025-10-16

Inst Owners33.47%

Inst Owner Change0%

Ins Owners3.24%

Ins Owner Change1.61%

Market Cap186.39M

Analysts85.71

Price Target35.19 (20.27%)

Short Float %1.27%

Short Ratio6.94

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.03%

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)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	14.49
Fwd PE	10.17
P/S	3.72
P/FCF	19.13
P/OCF	14.15
P/B	1.1
P/tB	1.19
EV/EBITDA	N/A

EPS(TTM)2.02

EY6.9%

EPS(NY)2.88

Fwd EY9.83%

FCF(TTM)1.53

FCFY5.23%

OCF(TTM)2.07

OCFY7.07%

SpS7.86

BVpS26.49

TBVpS24.54

PEG (NY)0.13

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

WACC8.77%

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

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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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