38.94 USD
+0.48 (+1.25%)
At close: Feb 6, 2026
38.94 USD
0 (0%)
After Hours: 2/6/2026, 8:00:01 PM
We assign a fundamental rating of 3 out of 10 to NKSH. NKSH was compared to 381 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 is valued expensive and it does not seem to be growing. 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 4 of the past 5 years.
- NKSH had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- NKSH has a worse Return On Assets (0.72%) than 63.78% of its industry peers.
- Looking at the Return On Equity, with a value of 7.27%, NKSH is doing worse than 63.78% of the companies in the same industry.
| 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's Profit Margin of 24.79% is in line compared to the rest of the industry. NKSH outperforms 52.23% of 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.
- 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
WACC8.86%
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 117.32% over the past year.
- Measured over the past 5 years, NKSH shows a small growth in Earnings Per Share. The EPS has been growing by 1.41% on average per year.
EPS 1Y (TTM)117.32%
EPS 3Y-11.44%
EPS 5Y1.41%
EPS Q2Q%73.55%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 14.64 indicates a correct valuation of NKSH.
- 62.47% of the companies in the same industry are cheaper than NKSH, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.93, NKSH is valued a bit cheaper.
- The Price/Forward Earnings ratio is 13.54, which indicates a correct valuation of NKSH.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NKSH indicates a slightly more expensive valuation: NKSH is more expensive than 66.14% of the companies listed in the same industry.
- NKSH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.64 | ||
| Fwd PE | 13.54 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, NKSH is valued a bit more expensive than 69.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.22 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- NKSH's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.8
PEG (5Y)10.37
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- NKSH has a Yearly Dividend Yield of 4.06%, which is a nice return.
- NKSH's Dividend Yield is rather good when compared to the industry average which is at 2.53. NKSH pays more dividend than 87.66% of the companies in the same industry.
- NKSH's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
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 2YN/A
EPS Next 3YN/A
38.94
+0.48 (+1.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2026-01-22/amc
Earnings (Next)04-22 2026-04-22
Inst Owners35.76%
Inst Owner Change-1.41%
Ins Owners3.27%
Ins Owner Change1.07%
Market Cap248.05M
Revenue(TTM)N/A
Net Income(TTM)13.02M
Analysts85.71
Price Target35.19 (-9.63%)
Short Float %1.43%
Short Ratio6.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
Yearly Dividend1.51
Dividend Growth(5Y)2.47%
DP73.76%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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 | 14.64 | ||
| Fwd PE | 13.54 | ||
| P/S | 4.72 | ||
| P/FCF | 19.22 | ||
| P/OCF | 15.34 | ||
| P/B | 1.38 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.66
EY6.83%
EPS(NY)2.88
Fwd EY7.39%
FCF(TTM)2.03
FCFY5.2%
OCF(TTM)2.54
OCFY6.52%
SpS8.25
BVpS28.14
TBVpS26.2
PEG (NY)1.8
PEG (5Y)10.37
Graham Number41.04
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
WACC8.86%
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 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 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.
How profitable is NATIONAL BANKSHARES INC/VA (NKSH) stock?
NATIONAL BANKSHARES INC/VA (NKSH) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for NKSH stock?
The Price/Earnings (PE) ratio for NATIONAL BANKSHARES INC/VA (NKSH) is 14.64 and the Price/Book (PB) ratio is 1.38.
Can you provide the expected EPS growth for NKSH stock?
The Earnings per Share (EPS) of NATIONAL BANKSHARES INC/VA (NKSH) is expected to grow by 8.14% in the next year.