National Bankshares Inc.
NKSH | NASDAQ
$42.85
+$0.19 (+0.45%)
Sep 22, 2026, 2:39 PM ET · Market open
Market Data
Market Cap $271.68M
Enterprise Value $-389.84M
Beta 0.53
Average Volume 35.75K
Shares Outstanding (Diluted) 6.37M
Shares Change YoY 0.09%
Institutional Ownership 36.63%
Exchange NASDAQ
ISIN US6348651091
Price Performance
Price Change 1M 3.6%
Price Change 3M 16.4%
Price Change 6M 17.5%
Price Change YTD 29.2%
Price Change 1Y 39.2%
Price Change 3Y 68.0%
Price Change 5Y 17.4%
1M CAGR (ann.) 1.3%
1Y CAGR (ann.) 42.4%
5Y CAGR (ann.) 8.7%
All-Time CAGR 7.0%
Valuation
PE Ratio 13.42
Forward PE 11.06
PEG Ratio 0.17
Forward PEG 1.30
PS Ratio 3.76
Forward PS 3.80
PB Ratio 1.41
P/FCF Ratio 14.35
P/Adj. FCF Ratio 14.52
P/OCF Ratio 13.54
EV/Sales -5.40
EV/EBIT -30.91
EV/EBITDA -29.13
EV/FCF -20.60
Earnings Yield 7.5%
FCF Yield 7.0%
Adj. FCF Yield 6.9%
Financial Health
Net Cash $661.51M
Total Debt $0
Cash & Short-Term Investments $661.51M
Total Assets $1.83B
Current Ratio 0.41
Quick Ratio 0.41
Debt / Equity Ratio 0.00
Debt / EBITDA 0.00
Debt / FCF 0.00
OCF / Debt N/A
Interest Coverage 0.47
Altman Z-Score -0.31
Piotroski F-Score 4
Margins & Profitability
Gross Profit Margin 63.4%
Operating Profit Margin 17.5%
EBITDA Margin 18.5%
Net Profit Margin 28.1%
FCF Margin 26.2%
Adj. FCF Margin 25.9%
SBC / Revenue 0.2%
SBC Impact (per share) -1.1%
Returns
Return on Assets 1.1%
Return on Equity 10.9%
Return on Invested Capital -1.1%
Return on Capital Employed 6.2%
Return on Tangible Assets 1.1%
Historical Growth (CAGR)
Revenue CAGR 3Y 1.6%
Revenue CAGR 5Y 6.8%
Revenue CAGR 10Y 3.9%
EPS CAGR 3Y -7.6%
EPS CAGR 5Y 1.9%
EPS CAGR 10Y 3.7%
FCF CAGR 3Y -9.9%
FCF CAGR 5Y 5.1%
FCF CAGR 10Y -0.8%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Oct 21, 2026
EPS Estimate (next Q) $0.98
EPS Growth Est (next Q) 42.0%
Revenue Est (next Q) $17.3M
Revenue Growth Est (next Q) -19.3%
Fair Value Estimates
Graham Number $46.49
Graham Upside 9.0%
Lynch Fair Value $15.90
Lynch Upside -62.7%
Price Target N/A
Price Target Upside N/A
Cash Flow
Operating Cash Flow $18.62M
Free Cash Flow $18.93M
Adj. Free Cash Flow $18.71M
FCF Per Share $3.32
OCF Per Share $3.15
OCF/S Ratio 27.8%
Income Statement
Revenue $72.18M
Gross Profit $45.76M
Operating Income $12.61M
EBITDA $13.38M
Net Income $20.31M
EPS (Diluted) $3.18
Revenue / Employee $287.56K
Profit / Employee $80.92K
Employees 251
Dividends
Annual Dividend $1.53
Dividend Yield 3.59%
Payout Ratio 48.1%
FCF Payout Ratio 50.8%
Adj. FCF Payout Ratio 51.4%
Dividend Growth (YoY) 1.3%
Pay Frequency Semi-Annual
Ex-Dividend Date May 25, 2026
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