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Company Analysis

National Bankshares, Inc. NKSH

A comprehensive view of key metrics, scores, and financial health for National Bankshares, Inc.

Overview of National Bankshares, Inc.

NKSH NCM
Financial Services Banks - Regional Micro Cap
National Bankshares, Inc. (NKSH), is a Micro Cap company, in the Banks - Regional industry, last closed at $37.09, about 21.4% overvalued vs fair value, +36.6% 1Y return, ranked 806/1004 in sector.
$37.09
0.24%
As of March 13, 2026
Previous close • Vol 90d: 25.6%
52-Week Range
Market Cap
$235.60M
Enterprise Value
$228.86M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.nationalbankshares...
HQ Blacksburg, VA
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$16
$29
$55
Current: $37.09 -21% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$70.1M
19.2%%
Interest Expense
$29.8M
Net Interest Income
$36.4M
-2.4%%
Total Revenue
$85.3M
88.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.9%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$9.3M
121.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating National Bankshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
44
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
27
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NKSH's balance between Growth (46.7%), Profitability (33.3%), and Safety (20.0%). Growth 47% Safety 20% Profitability 33%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

45th percentile vs peers
46
Key Signals
Rev Growth YoY 88.1% 75p Revenue CAGR 3Y 12.8% 29p Asset Growth YoY 0.7% 24p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

32th percentile vs peers
33
Key Signals
Strengths
Risks
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Safety

19th percentile vs peers
20
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for National Bankshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$29.15
- - -
-21.4% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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