NKSH
NATIONAL BANKSHARES INC
Next earnings Jul 22, 2026 · consensus $0.82 EPS
Last earnings -1.1% on 2026-04-23
$37.66
▲ +3.89%$37.66▲ +49.21%
over 1Y
L $25.21EODHDH $38.11
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+3.9%
1W+5.4%
1M+7.5%
3M+8.1%
YTD+16.6%
1Y+49.2%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 7 analysts
Buy
Revenue grew 9.8% YoY; but high leverage (liabilities/equity 8.9x).
Revenue (FY2025) $8.18M · FY2025
The read
Middling fundamentals offset by an attractive price (~151% below fair value) — worth a look on the value angle.
NATIONAL BANKSHARES INC shows $8.18M in FY2025 revenue (+9.8% YoY), a 193.6% net margin, and 8.6% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $6.65M | $6.99M | $7.07M | $7.45M | $8.18M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $20.4M | $25.9M | $15.7M | $7.62M | $15.8M |
| Diluted EPS | — | $4.33 | $2.66 | $1.24 | $2.49 |
| Net margin | 306.4% | 370.8% | 221.9% | 102.4% | 193.6% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF15.8
PEG (trailing)0.14
Earnings yield6.6%
FCF yield6.3%
Quality & risk
ROIC (est.)—
Free cash flow$15.2M
Total debt—
Net cash$59.3M
Piotroski F-Score5/6
Capital returns
Buyback yield0.0%
Dividend yield (est.)4.0%
Shareholder yield4.0%
Shares Δ YoY+0.1%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRoutine disclosure cadence — no material red flags in recent filings.
Recent filings
all on EDGAR ↗4Period ending 2026-06-102026-06-11open ↗4Period ending 2026-06-102026-06-11open ↗4Period ending 2026-06-102026-06-11open ↗4Period ending 2026-06-102026-06-11open ↗4Period ending 2026-06-102026-06-11open ↗4Period ending 2026-06-102026-06-11open ↗4Period ending 2026-06-102026-06-11open ↗4Period ending 2026-06-102026-06-11open ↗4Period ending 2026-06-102026-06-11open ↗4Period ending 2026-06-102026-06-11open ↗8-KPeriod ending 2026-05-182026-05-18open ↗8-KPeriod ending 2026-05-132026-05-13open ↗
Frequently asked
- Is NATIONAL BANKSHARES INC (NKSH) a buy?
- NKSH currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Revenue grew 9.8% YoY; but high leverage (liabilities/equity 8.9x).
- What is NKSH's fair value?
- A Modified-Graham model based on NKSH's SEC fundamentals estimates a fair value of about $94.62. It is an estimate from reported earnings, not a price target.
- Is NKSH overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, NKSH currently appears undervalued relative to its SEC-grounded earnings power.
- What is NATIONAL BANKSHARES INC's quality score?
- NKSH scores 73.29411764705881/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000796534, latest 10-Q filed 2026-05-13) · EODHD · as of 6/23/2026, 1:56:17 AM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.