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 393 industry peers in the Banks industry. While NKSH seems to be doing ok healthwise, there are quite some concerns on its profitability. NKSH has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year NKSH was profitable.

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

In the past 5 years NKSH has always been profitable.

NKSH had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

NKSH's Return On Assets of 0.47% is on the low side compared to the rest of the industry. NKSH is outperformed by 75.32% of its industry peers.

NKSH's Return On Equity of 5.19% is on the low side compared to the rest of the industry. NKSH is outperformed by 73.54% 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

Looking at the Profit Margin, with a value of 18.20%, NKSH is doing worse than 67.68% 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 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.

NKSH has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

WACC8.9%

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.

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 a decrease in Revenue. In the last year, the revenue decreased by -2.76%.

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

EPS 1Y (TTM)49.93%

EPS 3Y-28%

EPS 5Y-14.31%

EPS Q2Q%1320%

Revenue 1Y (TTM)-2.76%

Revenue growth 3Y-3.4%

Revenue growth 5Y-0.52%

Sales Q2Q%26.33%

3.2 Future

The Earnings Per Share is expected to grow by 53.30% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 15.75% on average over the next years. This is quite good.

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 15.12 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 65.39% of the companies in the same industry.

NKSH is valuated rather cheaply when we compare the Price/Earnings ratio to 27.24, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 10.62, the valuation of NKSH can be described as reasonable.

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

NKSH is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.82, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	15.12
Fwd PE	10.62

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NKSH is valued expensively inside the industry as 80.92% of the companies are valued cheaper.

		Industry Rank	Sector Rank
P/FCF	45.67
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)0.14

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 5.08%, NKSH is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.34, NKSH pays a better dividend. On top of this NKSH pays more dividend than 89.06% 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 2.32.

		Industry Rank	Sector Rank
Dividend Yield	5.08%

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 2Y53.3%

EPS Next 3YN/A

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NATIONAL BANKSHARES INC/VA

NASDAQ:NKSH (8/22/2025, 8:27:15 PM)

After market: 30.54 0 (0%)

30.54

+1.82 (+6.34%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-22 2025-10-22

Inst Owners33.18%

Inst Owner Change-4.16%

Ins Owners3.24%

Ins Owner Change2.51%

Market Cap194.54M

Analysts85.71

Price Target35.19 (15.23%)

Short Float %1.24%

Short Ratio4.89

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.08%

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)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)2.47%

EPS NY rev (3m)2.47%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)3.51%

Revenue NY rev (3m)3.51%

Valuation

		Industry Rank	Sector Rank
PE	15.12
Fwd PE	10.62
P/S	4.08
P/FCF	45.67
P/OCF	23.83
P/B	1.16
P/tB	1.26
EV/EBITDA	N/A

EPS(TTM)2.02

EY6.61%

EPS(NY)2.88

Fwd EY9.42%

FCF(TTM)0.67

FCFY2.19%

OCF(TTM)1.28

OCFY4.2%

SpS7.49

BVpS26.26

TBVpS24.3

PEG (NY)0.14

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

WACC8.9%

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)-2.76%

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-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

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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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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