NATIONAL BANKSHARES INC/VA (NKSH) Fundamental Analysis & Valuation

NASDAQ:NKSH • US6348651091

Current stock price

37.23 USD
-0.53 (-1.4%)
At close:
37.23 USD
0 (0%)
After Hours:

This NKSH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. NKSH Profitability Analysis

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.
NKSH Yearly Net Income VS EBIT VS OCF VS FCFNKSH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.87%, NKSH is doing worse than 60.00% of the companies in the same industry.
  • The Return On Equity of NKSH (8.56%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.87%
ROE 8.56%
ROIC N/A
ROA(3y)0.75%
ROA(5y)1%
ROE(3y)8.2%
ROE(5y)11.27%
ROIC(3y)N/A
ROIC(5y)N/A
NKSH Yearly ROA, ROE, ROICNKSH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 28.48%, NKSH is in the better half of the industry, outperforming 68.16% 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 RankSector Rank
OM N/A
PM (TTM) 28.48%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.25%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
NKSH Yearly Profit, Operating, Gross MarginsNKSH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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4

2. NKSH Health Analysis

2.1 Basic Checks

  • NKSH does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • NKSH has about the same amout of 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.
NKSH Yearly Shares OutstandingNKSH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
NKSH Yearly Total Debt VS Total AssetsNKSH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.95%
NKSH Yearly LT Debt VS Equity VS FCFNKSH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NKSH Yearly Current Assets VS Current LiabilitesNKSH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. NKSH Growth Analysis

3.1 Past

  • NKSH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 117.32%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 1.41% on average over the past years.
  • The Revenue has grown by 22.50% in the past year. This is a very strong growth!
  • Measured over the past years, NKSH shows a small growth in Revenue. The Revenue has been growing by 3.80% on average per year.
EPS 1Y (TTM)117.32%
EPS 3Y-11.44%
EPS 5Y1.41%
EPS Q2Q%73.55%
Revenue 1Y (TTM)22.5%
Revenue growth 3Y-2.22%
Revenue growth 5Y3.8%
Sales Q2Q%26.45%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y8.14%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.97%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
NKSH Yearly Revenue VS EstimatesNKSH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 10M 20M 30M 40M 50M
NKSH Yearly EPS VS EstimatesNKSH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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2

4. NKSH Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.00, NKSH is valued correctly.
  • NKSH's Price/Earnings ratio is a bit more expensive when compared to the industry. NKSH is more expensive than 62.63% of the companies in the same industry.
  • NKSH's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.78.
  • A Price/Forward Earnings ratio of 12.94 indicates a correct valuation of NKSH.
  • NKSH's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NKSH is more expensive than 68.42% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.54, NKSH is valued a bit cheaper.
Industry RankSector Rank
PE 14
Fwd PE 12.94
NKSH Price Earnings VS Forward Price EarningsNKSH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, NKSH is valued a bit more expensive than the industry average as 63.95% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.63
EV/EBITDA N/A
NKSH Per share dataNKSH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.72
PEG (5Y)9.92
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. NKSH Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.13%, NKSH is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.59, NKSH pays a better dividend. On top of this NKSH pays more dividend than 87.89% of the companies listed in the same industry.
  • NKSH's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 4.13%

5.2 History

  • The dividend of NKSH has a limited annual growth rate of 1.59%.
  • NKSH has been paying a dividend for at least 10 years, so it has a reliable track record.
  • NKSH has decreased its dividend recently.
Dividend Growth(5Y)1.59%
Div Incr Years0
Div Non Decr Years1
NKSH Yearly Dividends per shareNKSH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

  • 60.73% 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.
DP60.73%
EPS Next 2YN/A
EPS Next 3YN/A
NKSH Yearly Income VS Free CF VS DividendNKSH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
NKSH Dividend Payout.NKSH Dividend Payout, showing the Payout Ratio.NKSH Dividend Payout.PayoutRetained Earnings

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NKSH Fundamentals: All Metrics, Ratios and Statistics

NATIONAL BANKSHARES INC/VA

NASDAQ:NKSH (4/10/2026, 8:00:01 PM)

After market: 37.23 0 (0%)

37.23

-0.53 (-1.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-16
Inst Owners37.1%
Inst Owner Change0%
Ins Owners3.27%
Ins Owner Change3.13%
Market Cap237.16M
Revenue(TTM)55.56M
Net Income(TTM)15.83M
Analysts85.71
Price Target35.19 (-5.48%)
Short Float %1.4%
Short Ratio4.19
Dividend
Industry RankSector Rank
Dividend Yield 4.13%
Yearly Dividend1.51
Dividend Growth(5Y)1.59%
DP60.73%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.54%
Min EPS beat(2)3.98%
Max EPS beat(2)21.11%
EPS beat(4)2
Avg EPS beat(4)3.67%
Min EPS beat(4)-6.56%
Max EPS beat(4)21.11%
EPS beat(8)3
Avg EPS beat(8)-16.82%
EPS beat(12)4
Avg EPS beat(12)-15.23%
EPS beat(16)7
Avg EPS beat(16)-9.82%
Revenue beat(2)1
Avg Revenue beat(2)2.36%
Min Revenue beat(2)-0.91%
Max Revenue beat(2)5.64%
Revenue beat(4)2
Avg Revenue beat(4)0.65%
Min Revenue beat(4)-2.47%
Max Revenue beat(4)5.64%
Revenue beat(8)2
Avg Revenue beat(8)-1.68%
Revenue beat(12)2
Avg Revenue beat(12)-5.05%
Revenue beat(16)6
Avg Revenue beat(16)-2.3%
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 RankSector Rank
PE 14
Fwd PE 12.94
P/S 4.26
P/FCF 15.63
P/OCF 13.24
P/B 1.28
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)2.66
EY7.14%
EPS(NY)2.88
Fwd EY7.73%
FCF(TTM)2.38
FCFY6.4%
OCF(TTM)2.81
OCFY7.56%
SpS8.74
BVpS29.07
TBVpS27.15
PEG (NY)1.72
PEG (5Y)9.92
Graham Number41.71
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 8.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.48%
GM N/A
FCFM 27.27%
ROA(3y)0.75%
ROA(5y)1%
ROE(3y)8.2%
ROE(5y)11.27%
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-13.25%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 186.39%
Cap/Sales 4.93%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.74%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.95%
ROIC/WACCN/A
Cap/Depr(3y)223.54%
Cap/Depr(5y)185.44%
Cap/Sales(3y)5.1%
Cap/Sales(5y)3.61%
Profit Quality(3y)88.75%
Profit Quality(5y)97.17%
High Growth Momentum
Growth
EPS 1Y (TTM)117.32%
EPS 3Y-11.44%
EPS 5Y1.41%
EPS Q2Q%73.55%
EPS Next Y8.14%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)22.5%
Revenue growth 3Y-2.22%
Revenue growth 5Y3.8%
Sales Q2Q%26.45%
Revenue Next Year9.97%
Revenue Next 2YN/A
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 1Y145.1%
FCF growth 3Y-18.74%
FCF growth 5Y4.83%
OCF growth 1Y89.55%
OCF growth 3Y-15.36%
OCF growth 5Y5.34%

NATIONAL BANKSHARES INC/VA / NKSH Fundamental Analysis FAQ

What is the fundamental rating for NKSH stock?

ChartMill assigns a fundamental rating of 3 / 10 to NKSH.


What is the valuation status of NATIONAL BANKSHARES INC/VA (NKSH) stock?

ChartMill assigns a valuation rating of 2 / 10 to NATIONAL BANKSHARES INC/VA (NKSH). This can be considered as Overvalued.


Can you provide the profitability details for NATIONAL BANKSHARES INC/VA?

NATIONAL BANKSHARES INC/VA (NKSH) has a profitability rating of 3 / 10.


What is the valuation of NATIONAL BANKSHARES INC/VA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for NATIONAL BANKSHARES INC/VA (NKSH) is 14 and the Price/Book (PB) ratio is 1.28.


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 60.73%.