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 395 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 has a correct valuation and a medium 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.

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

1.2 Ratios

With a Return On Assets value of 0.47%, NKSH is not doing good in the industry: 76.71% of the companies in the same industry are doing better.

The Return On Equity of NKSH (5.19%) is worse than 76.20% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.47%
ROE	5.19%
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 18.20%, NKSH is not doing good in the industry: 68.61% of the companies in the same industry are doing better.

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

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)	18.2%
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.

The number of shares outstanding for NKSH has been increased compared to 1 year ago.

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

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

WACC9.02%

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

The earnings per share for NKSH have decreased strongly by -31.11% in the last 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.

NKSH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.59%.

The Revenue has been decreasing by -0.52% on average over the past years.

EPS 1Y (TTM)-31.11%

EPS 3Y-28%

EPS 5Y-14.31%

EPS Q2Q%37.84%

Revenue 1Y (TTM)8.59%

Revenue growth 3Y-3.4%

Revenue growth 5Y-0.52%

Sales Q2Q%24.39%

3.2 Future

NKSH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 50.83% yearly.

The Revenue is expected to grow by 11.66% on average over the next years. This is quite good.

EPS Next Y102.5%

EPS Next 2Y50.83%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year17.7%

Revenue Next 2Y11.66%

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

NKSH is valuated rather expensively with a Price/Earnings ratio of 18.60.

Based on the Price/Earnings ratio, NKSH is valued a bit more expensive than the industry average as 78.73% of the companies are valued more cheaply.

When comparing the Price/Earnings ratio of NKSH to the average of the S&P500 Index (26.35), we can say NKSH is valued slightly cheaper.

A Price/Forward Earnings ratio of 9.08 indicates a reasonable valuation of NKSH.

NKSH's Price/Forward Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, NKSH is valued rather cheaply.

		Industry Rank	Sector Rank
PE	18.6
Fwd PE	9.08

4.2 Price Multiples

NKSH's Price/Free Cash Flow ratio is rather expensive when compared to the industry. NKSH is more expensive than 83.80% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	37.76
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 50.83% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.18

PEG (5Y)N/A

EPS Next 2Y50.83%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

NKSH has a Yearly Dividend Yield of 5.49%, which is a nice return.

Compared to an average industry Dividend Yield of 3.46, NKSH pays a better dividend. On top of this NKSH pays more dividend than 89.87% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.40, NKSH pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.49%

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

106.67% of the earnings are spent on dividend by NKSH. This is not a sustainable payout ratio.

The dividend of NKSH is growing, but earnings are growing more, so the dividend growth is sustainable.

DP106.67%

EPS Next 2Y50.83%

EPS Next 3YN/A

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NATIONAL BANKSHARES INC/VA

NASDAQ:NKSH (6/20/2025, 4:30:02 PM)

After market: 25.29 0 (0%)

25.29

-0.62 (-2.39%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-23 2025-07-23

Inst Owners33.29%

Inst Owner Change2.66%

Ins Owners3.18%

Ins Owner Change2.11%

Market Cap160.84M

Analysts85.71

Price Target35.19 (39.15%)

Short Float %1.15%

Short Ratio5.21

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.49%

Yearly Dividend1.51

Dividend Growth(5Y)2.47%

DP106.67%

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)-2.49%

Min EPS beat(2)-3.85%

Max EPS beat(2)-1.14%

EPS beat(4)1

Avg EPS beat(4)-34.37%

Min EPS beat(4)-140.85%

Max EPS beat(4)8.36%

EPS beat(8)2

Avg EPS beat(8)-22.13%

EPS beat(12)4

Avg EPS beat(12)-15.37%

EPS beat(16)8

Avg EPS beat(16)-8.5%

Revenue beat(2)0

Avg Revenue beat(2)-2.97%

Min Revenue beat(2)-3.46%

Max Revenue beat(2)-2.47%

Revenue beat(4)0

Avg Revenue beat(4)-3.2%

Min Revenue beat(4)-6.27%

Max Revenue beat(4)-0.61%

Revenue beat(8)0

Avg Revenue beat(8)-6.31%

Revenue beat(12)3

Avg Revenue beat(12)-3.59%

Revenue beat(16)6

Avg Revenue beat(16)-2.52%

PT rev (1m)0%

PT rev (3m)-9.21%

EPS NQ rev (1m)0%

EPS NQ rev (3m)10.34%

EPS NY rev (1m)0%

EPS NY rev (3m)3.4%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.18%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-1.69%

Valuation

		Industry Rank	Sector Rank
PE	18.6
Fwd PE	9.08
P/S	3.37
P/FCF	37.76
P/OCF	19.7
P/B	0.96
P/tB	1.04
EV/EBITDA	N/A

EPS(TTM)1.36

EY5.38%

EPS(NY)2.78

Fwd EY11.01%

FCF(TTM)0.67

FCFY2.65%

OCF(TTM)1.28

OCFY5.08%

SpS7.5

BVpS26.3

TBVpS24.34

PEG (NY)0.18

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.47%
ROE	5.19%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.2%
GM	N/A
FCFM	8.93%

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	306.92%
Cap/Sales	8.18%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	49.05%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC9.02%

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)-31.11%

EPS 3Y-28%

EPS 5Y-14.31%

EPS Q2Q%37.84%

EPS Next Y102.5%

EPS Next 2Y50.83%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.59%

Revenue growth 3Y-3.4%

Revenue growth 5Y-0.52%

Sales Q2Q%24.39%

Revenue Next Year17.7%

Revenue Next 2Y11.66%

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-83.53%

FCF growth 3Y-35.05%

FCF growth 5Y-19.06%

OCF growth 1Y-69.92%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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