National Bankshares, Inc. logo

National Bankshares, Inc.

NKSH

NASDAQFinancial ServicesBanks - Regional

Previous close

$41.15

+$0.32 · +0.78%

Aug 21, 4:00 PM ET

NKSH company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

83

Deep Value

Momentum

48

Neutral

Sentiment

69

Bullish

Risk resilience

73

Moderate Risk

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Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Lara E. Ramsey
Listed since
Dec 1, 1999
Employees
251

Market position

Day range

Current $41.15

52-week range

Current $41.15

Open
$40.73
Previous close
$40.83
Volume
36.49K
0.91× average
Average volume
40.13K
Average daily volume
Market cap
262.06M USD
Beta
0.53
Market reference 1
50-day average
$38.2604
+7.55% above average
200-day average
$35.7569
+15.08% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
154M USD
P/E (TTM)
12.94×
P/B (TTM)
1.36×
P/S (TTM)
3.63×
EV / EBITDA
7.46×
Earnings yield
7.42%
Free cash flow yield
7.11%
Dividend yield
3.72%

Profitability & efficiency

Gross margin
63.39%
Operating margin
17.47%
Net margin
28.14%
Return on equity
8.56%
Return on assets
0.87%
Return on invested capital
8.07%

Financial health

Debt / equity
Current ratio
0.05×

Earnings

EPS beat rate
36%
4 beats, 5 misses, 2 met estimates
Average EPS surprise
-9.18%
11 comparable reports
Latest EPS result
0.79
Estimate 0.8 · Miss by 1.25%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.020.830.630.44Q1 '25MissQ2 '25MissQ3 '25MetQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 18, 2025: actual 0.476, estimate 0.48, surprise -0.87%, Miss. Q2 2025, reported Apr 24, 2025: actual 0.48, estimate 0.52, surprise -7.69%, Miss. Q3 2025, reported Aug 13, 2025: actual 0.61, estimate 0.61, surprise 0.00%, Met estimate. Q4 2025, reported Oct 23, 2025: actual 0.69, estimate 0.66, surprise +4.55%, Beat. Q1 2026, reported Jan 22, 2026: actual 0.84, estimate 0.68, surprise +23.53%, Beat. Q2 2026, reported Apr 23, 2026: actual 0.78, estimate 0.62, surprise +25.81%, Beat. Q3 2026, reported Jul 23, 2026: actual 0.79, estimate 0.8, surprise -1.25%, Miss. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.98, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates23.42M17.57M11.72M5.88MQ1 '25BeatQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 18, 2025: actual 12.25M USD, estimate 12M USD, surprise +2.06%, Beat. Q2 2025, reported Apr 24, 2025: actual 20.76M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 13, 2025: actual 20.82M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 23, 2025: actual 21.45M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 22, 2026: actual 22.2M USD, estimate 14.08M USD, surprise +57.63%, Beat. Q2 2026, reported Apr 23, 2026: actual 21.62M USD, estimate 14.06M USD, surprise +53.77%, Beat. Q3 2026, reported Jul 23, 2026: actual 6.92M USD, estimate 15.65M USD, surprise -55.81%, Miss. Q4 2026, reported Oct 22, 2026: actual —, estimate 17.3M USD, surprise —, Comparison unavailable.

NKSH news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.51

2025 complete year+4.9% since 2021

2026 partial: $0.75

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend May 26, 2026

$0.75

Semi-Annual

Record May 26, 2026 · Payment Jun 1, 2026

Dividend

Ex-dividend Nov 24, 2025

$0.78

Semi-Annual

Record Nov 24, 2025 · Payment Dec 1, 2025

Dividend

Ex-dividend May 27, 2025

$0.73

Semi-Annual

Record May 27, 2025 · Payment Jun 2, 2025

Dividend

Ex-dividend Nov 25, 2024

$0.78

Semi-Annual

Record Nov 25, 2024 · Payment Dec 2, 2024

Dividend

Ex-dividend May 24, 2024

$0.73

Semi-Annual

Record May 28, 2024 · Payment Jun 3, 2024

Dividend

Ex-dividend Nov 17, 2023

$0.78

Semi-Annual

Record Nov 20, 2023 · Payment Dec 1, 2023

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