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NATIONAL BANKSHARES INC/VA

NKSHNASDAQ
๐Ÿ† #2923 by market capEarnings Oct 22US Equity
$42.24โ–ฒ $2.00 (+4.74%)
Market closed ยท at close
1hโ€”
24hโ–ฒ 4.7%
7dโ–ฒ 3.0%
14dโ–ฒ 5.3%
30dโ–ฒ 17.6%
1yโ–ฒ 44.4%
๐ŸฆMarket Cap
$269M
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
+7.9%
Slowing
๐Ÿ“ŠGross Margin
63.4%
High
๐Ÿ’ตFCF Margin
24.1%
Strong
โš–๏ธP/S Ratio
3.7x
Fair
Otter Score
64
Fair

Trading Snapshot

Day Range
$41.72 โ€“ $43.02
52-Week Range
$27.00 โ€“ $42.49
Volume
$2.84B
Avg Volume
$3.17B
Shares Outstanding
6.4M
Next Earnings
Oct 13, 2026

Fundamentals Snapshot

Annual Revenue
$85M
Last Q Revenue
$7M
P/E Ratio
13.3
P/S Ratio
3.7x
EPS (TTM)
$3.19
Dividend Yield
3.62%

Why Investors Own NKSH

  • โœ“High-growth profile โ€” revenue up +49.5% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 29% gross margin and 26% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$85Mโ–ฒ +45.0% YoY
Gross Margin (TTM)
28.6%โ–ฒ +1.7% YoY
Operating Income (TTM)
$12Mโ–ฒ +45.0% YoY
Free Cash Flow (TTM)
$22Mโ–ฒ +45.0% YoY

About NATIONAL BANKSHARES INC/VA

National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg that provides retail and commercial banking products and services to individuals, businesses, non-profits, and local governments. The company accepts interest-bearing and non-interest-bearing demand deposit accounts, money market deposit accounts, savings accounts, certificates of deposit, health savings accounts, and individual retirement accounts. Its loan products include commercial non-real estate loans, including commercial and agricultural loans; commercial and consumer real estate loans; residential real estate loans; home equity loans; various consumer loans, such as credit cards, automobile, and other consumer loans; and public sector and IDA loans, as well as loans for the construction of commercial and residential properties. The company also provides business and consumer debit and credit cards; letters of credit, night depository, safe deposit boxes, utility payment services, and automatic funds transfer; wealth management, trust, and estate services; non-deposit investment and insurance products; and telephone, mobile, and Internet banking services, as well as operates automated teller machines. The company was founded in 1891 and is headquartered in Blacksburg, Virginia.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Fair
64/100

Analyst Ratings

โ“˜
Consensus
Buy
7 analysts
Strong Buy2
Buy4
Hold1
Sell0
Strong Sell0
Ratings as of Aug 2026

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