NKSH National Bankshares, Inc. - Common Stock
$43.19
Price · Aug 18, 2026
Fundamentals as of Aug 12, 2026
52W Range
$27–$43
99% of range
Analyst Rating
BUY
7 analysts
Price Target
$47
+8% upside
P/E (TTM)
17.3
ROE
8.9%
Net Profit Margin
193.6%
NKSH Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$43.19
Market Cap
$275M
P/E (TTM)
17.3
EPS (TTM)
$2.49
Revenue (TTM)
$8M
Div Yield
3.5%
ROE
8.9%
Debt/Equity
—
52W Range
$27 – $43
NKSH Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$8M
2016-12-31
→
2025-12-31
EPS
$2.49
2016-12-31
→
2025-12-31
Free Cash Flow
$15M
2016-12-31
→
2025-12-31
Margins
193.6%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
NKSH
Peer Median
P/E (TTM)
17.3
13.8
P/S (TTM)
33.6
2.2
P/B
1.5
1.0
Price / FCF
18.2
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
NKSH
Peer Median
Net Profit Margin
193.6%
26.4%
ROA
0.87%
0.70%
ROE
8.9%
7.9%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
NKSH
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
NKSH
Peer Median
Revenue YoY
9.8%
—
Revenue CAGR 3Y
5.3%
—
Revenue CAGR 5Y
7.7%
—
EPS YoY
100.8%
—
Net Income YoY
107.6%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
NKSH
Peer Median
Payout Ratio
60.7%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
3.5%
Payout Ratio
60.7%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| May 26, 2026 | $0.7500 |
| Nov. 24, 2025 | $0.7800 |
| May 27, 2025 | $0.7300 |
| Nov. 25, 2024 | $0.7800 |
| May 24, 2024 | $0.7300 |
| Nov. 17, 2023 | $0.7800 |
| May 19, 2023 | $0.7300 |
| Jan. 20, 2023 | $1.0000 |
| Nov. 18, 2022 | $0.7800 |
| May 20, 2022 | $0.7200 |
| Nov. 19, 2021 | $0.7400 |
| May 21, 2021 | $0.7000 |
| Nov. 20, 2020 | $0.7200 |
| May 21, 2020 | $0.6700 |
| Nov. 22, 2019 | $0.7200 |
| May 24, 2019 | $0.6700 |
| Nov. 23, 2018 | $0.6300 |
| May 18, 2018 | $0.5800 |
| Nov. 17, 2017 | $0.6100 |
| May 18, 2017 | $0.5600 |
NKSH Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
7 analysts
- Strong Buy 2 28.6%
- Buy 4 57.1%
- Hold 1 14.3%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
1 analysts · 2026-08-15
Low
$46.75
High
$46.75
Median target
$46.75
+8.2%
Mean target
$46.75
+8.2%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.02%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.80 | $0.82 | -0.02% |
| Dec. 31, 2025 | $0.84 | $0.69 | 0.15% |
| Sept. 30, 2025 | $0.70 | $0.67 | 0.03% |
| June 30, 2025 | $0.61 | $0.65 | -0.04% |
| March 31, 2025 | $0.51 | $0.53 | -0.02% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| NKSH | $214M | 13.5 | 9.8% | 193.6% | 8.9% | — |
| HWBK | $241M | 10.2 | 10.0% | 29.7% | 14.4% | — |
| RMBI | $147M | 12.0 | 12.5% | 23.7% | 8.3% | — |
| WNEB | $257M | 16.8 | — | 18.5% | 6.3% | — |
| VABK | $215M | 11.2 | 6.7% | 33.4% | 10.8% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $8M | $7M | $7M | $7M | $7M | $6M | $6M | $6M | $6M | $5M | |
| Interest Expense | · | · | $22M | $3M | · | $6M | $7M | $5M | $4M | · | |
| Interest Income | $75M | $70M | $59M | $50M | $45M | $44M | $45M | $43M | $41M | $41M | |
| Pretax Income | $19M | $9M | $19M | $32M | $25M | $19M | $21M | $19M | $20M | $19M | |
| Income Tax | $3M | $1M | $3M | $6M | $4M | $3M | $3M | $3M | $6M | $4M | |
| Net Income | $16M | $8M | $16M | $26M | $20M | $16M | $17M | $16M | $14M | $15M | |
| EPS (Basic) | $2.49 | $1.24 | $2.66 | $4.33 | $3.28 | $2.48 | $2.65 | $2.32 | $2.03 | $2.15 | |
| EPS (Diluted) | $2.49 | $1.24 | $2.66 | $4.33 | · | $2.48 | $2.65 | $2.32 | $2.03 | $2.15 | |
| Shares (Basic) | 6,359,960 | 6,161,428 | 5,889,687 | 5,989,601 | 6,209,929 | 6,483,230 | 6,580,659 | 6,957,974 | 6,957,974 | 6,957,974 | |
| Shares (Diluted) | 6,362,505 | 6,163,610 | 5,889,953 | 5,989,601 | · | · | · | · | 6,957,974 | 6,957,974 |
Balance Sheet 14
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $59M | $108M | $87M | · | · | · | · | · | · | · | |
| PP&E (Net) | $18M | $17M | $11M | $10M | $10M | $10M | $9M | $9M | $8M | $9M | |
| PP&E (Gross) | $31M | $28M | $24M | $22M | $22M | $21M | $20M | $19M | $18M | $18M | |
| Accum. Depreciation | $12M | $11M | $12M | $12M | $12M | $11M | $11M | $10M | $9M | $9M | |
| Goodwill | $11M | $11M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | |
| Intangibles | $1M | $2M | $0 | · | · | · | $6M | $6M | $6M | $6M | |
| Total Assets | $1.82B | $1.81B | $1.66B | $1.68B | $1.70B | $1.52B | $1.32B | $1.26B | $1.26B | $1.23B | |
| Total Liabilities | $1.64B | $1.66B | $1.51B | $1.55B | $1.51B | $1.32B | $1.14B | $1.07B | $1.07B | $1.06B | |
| Common Stock | $22M | $22M | $7M | $7M | $8M | $8M | $8M | $9M | $9M | $9M | |
| Retained Earnings | $203M | $196M | $198M | $199M | $188M | $190M | $184M | $194M | $186M | $178M | |
| AOCI | $-40M | $-62M | $-65M | $-84M | $-4M | $3M | $-9M | $-12M | $-10M | $-9M | |
| Stockholders' Equity | $185M | $156M | $141M | $123M | $192M | $201M | $184M | $190M | $185M | $178M | |
| Liabilities + Equity | $1.82B | $1.81B | $1.66B | $1.68B | $1.70B | $1.52B | $1.32B | $1.26B | $1.26B | $1.23B | |
| Shares Outstanding | 6,368,410 | 6,363,371 | 5,893,782 | 5,889,687 | 6,063,937 | 6,432,020 | 6,489,574 | 6,957,974 | 6,957,974 | 6,957,974 |
Cash Flow 14
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $193.0K | $128.0K | $42.0K | $0 | · | · | · | · | · | · | |
| Deferred Tax | $704.0K | $-884.0K | $750.0K | $-109.0K | $152.0K | $282.0K | $529.0K | $-382.0K | $2M | $18.0K | |
| Amort. of Intangibles | $373.0K | $237.0K | $0 | · | · | · | · | $50.0K | $68.0K | $257.0K | |
| Operating Cash Flow | $18M | $9M | $16M | $30M | $23M | $14M | $19M | $20M | $11M | $18M | |
| CapEx | $3M | $3M | $1M | $1M | $323.0K | $2M | $1M | $1M | $261.0K | $634.0K | |
| Investing Cash Flow | $-39M | $16M | $53M | $-130M | $-193M | $-178M | $-62M | $-4M | $-20M | $-32M | |
| Stock Repurchased | · | · | $0 | $6M | $13M | $2M | $19M | · | · | · | |
| Net Stock Activity | · | · | $0 | $-6M | $-13M | · | $-19M | · | · | · | |
| Dividends Paid | $10M | $9M | $15M | $9M | $9M | $9M | $9M | $8M | $8M | $8M | |
| Financing Cash Flow | $-28M | $-4M | $-54M | $33M | $175M | $167M | $40M | $-16M | $8M | $17M | |
| Net Change in Cash | $-49M | $22M | $15M | $-67M | $5M | $3M | $-3M | $-44.0K | $-1M | $2M | |
| Taxes Paid | $2M | $715.0K | $3M | $4M | $3M | $4M | $3M | $2M | $4M | $4M | |
| Free Cash Flow | $15M | $6M | $14M | $28M | $23M | · | $18M | $19M | $11M | $17M | |
| Levered FCF | · | · | $-4M | · | · | · | $12M | · | · | · |
Profitability 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 193.6% | 102.0% | 221.9% | 370.8% | 306.4% | · | 283.8% | 257.8% | 29.7% | 32.0% | |
| Pretax Margin | 234.4% | 122.0% | 264.1% | 454.2% | 370.2% | · | 336.0% | 298.6% | 42.9% | 40.5% | |
| ROA | 0.87% | 0.44% | 0.94% | 1.5% | 1.3% | · | 1.4% | 1.3% | 1.1% | 1.2% | |
| ROE | 8.9% | 4.7% | 12.2% | 22.1% | 10.7% | · | 9.4% | 8.5% | 7.6% | 8.2% |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | 0.0 |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 9.8% | 5.3% | 1.1% | 5.1% | 17.7% | · | · | · | · | · | |
| Revenue CAGR 3Y | 5.3% | 3.8% | 7.7% | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 7.7% | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 100.8% | -53.4% | -38.6% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | -16.8% | · | 2.4% | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 0.08% | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 107.6% | -51.4% | -39.5% | 27.2% | 26.8% | · | · | · | · | · | |
| Net Income CAGR 3Y | -15.2% | -28.0% | -0.81% | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | -0.31% | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 1.3% | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $8M | $7M | $7M | $7M | $7M | $6M | $6M | $6M | $6M | $5M | |
| Net Income TTM | $16M | $8M | $16M | $26M | $20M | $16M | $17M | $16M | $14M | $15M | |
| Market Cap | $214M | $183M | $191M | $237M | $217M | · | · | $253M | $316M | $302M | |
| P/E | 13.5 | 23.2 | 12.2 | 9.3 | 11.7 | 12.6 | 17.0 | 15.7 | 22.4 | 20.2 | |
| P/S | 26.1 | 24.5 | 27.0 | 33.9 | 32.7 | · | · | 40.5 | 51.7 | 55.9 | |
| P/B | 1.2 | 1.2 | 1.4 | 1.9 | 1.1 | · | · | 1.3 | 1.7 | 1.7 | |
| P / Tangible Book | 1.2 | 1.3 | 1.4 | 2.0 | 1.2 | 1.0 | · | · | · | · | |
| P / Cash Flow | 11.9 | 19.4 | 12.3 | 8.0 | 9.5 | · | · | 12.8 | 28.8 | 17.2 | |
| P / FCF | 14.1 | 29.6 | 13.6 | 8.4 | 9.6 | · | · | 13.6 | 29.5 | 17.9 | |
| Dividend Yield | 4.5% | 5.1% | 7.8% | 3.8% | 4.0% | · | · | 3.3% | 2.6% | 2.7% | |
| Earnings Yield | 7.4% | 4.3% | 8.2% | 10.7% | 8.5% | 7.9% | 5.9% | 6.4% | 4.5% | 5.0% | |
| Payout Ratio | 60.7% | 121.5% | 94.2% | 34.5% | 43.2% | · | 51.7% | 52.1% | 57.8% | 54.0% | |
| Annual Payout | $10M | $9M | $15M | $9M | $9M | $9M | $9M | $8M | $8M | $8M |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $8M | · | $6M | $5M | $3M | $1M | $753.0K | |
| Interest Income | $19M | $19M | $20M | $19M | $19M | $18M | $18M | $19M | $17M | $16M | $16M | $15M | $15M | $14M | $14M | $13M | |
| Pretax Income | $6M | $6M | $7M | $5M | $3M | $4M | $4M | $3M | $-485.0K | $3M | $5M | $4M | $4M | $5M | $12M | $8M | |
| Income Tax | $1M | $1M | $1M | $961.0K | $362.0K | $666.0K | $609.0K | $550.0K | $-178.0K | $518.0K | $879.0K | $617.0K | $540.0K | $948.0K | $2M | $1M | |
| Net Income | $5M | $5M | $6M | $4M | $2M | $3M | $3M | $3M | $-307.0K | $2M | $4M | $3M | $4M | $5M | $9M | $6M | |
| EPS (Basic) | $0.79 | $0.78 | $0.92 | $0.70 | $0.36 | $0.51 | $0.50 | $0.42 | $-0.05 | $0.37 | $0.71 | $0.52 | $0.66 | $0.77 | $1.56 | $1.03 | |
| EPS (Diluted) | $0.79 | $0.78 | $0.93 | $0.69 | $0.36 | $0.51 | $0.50 | $0.42 | $-0.05 | $0.37 | $0.71 | $0.52 | $0.66 | $0.77 | $1.56 | $1.03 | |
| Shares (Basic) | 6,363,920 | 6,363,371 | -12,718,340 | 6,360,973 | 6,358,917 | 6,358,410 | -12,113,073 | 6,356,594 | 6,028,220 | 5,889,687 | -11,779,374 | 5,889,687 | 5,889,687 | 5,889,687 | -19,006 | 5,974,961 | |
| Shares (Diluted) | 6,367,161 | 6,366,154 | -12,722,820 | 6,363,351 | 6,361,582 | 6,360,392 | -12,114,613 | 6,358,352 | 6,028,220 | 5,891,651 | -11,779,721 | 5,889,939 | 5,890,048 | 5,889,687 | -19,006 | 5,974,961 |
Balance Sheet 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $55M | $62M | $59M | $42M | $93M | $123M | $108M | $50M | $99M | $121M | $87M | · | · | · | · | · | |
| PP&E (Net) | $18M | $18M | $18M | $20M | $18M | $18M | $17M | $16M | $15M | $11M | $11M | $11M | $11M | $10M | $10M | $10M | |
| PP&E (Gross) | · | · | $31M | · | · | · | $28M | · | · | · | $24M | · | · | · | $22M | · | |
| Accum. Depreciation | · | · | $12M | · | · | · | $11M | · | · | · | $12M | · | · | · | $12M | · | |
| Goodwill | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | |
| Intangibles | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $2M | $2M | · | · | · | · | · | · | · | |
| Total Assets | $1.83B | $1.83B | $1.82B | $1.80B | $1.81B | $1.84B | $1.81B | $1.79B | $1.81B | $1.69B | $1.66B | $1.59B | $1.63B | $1.65B | $1.68B | $1.70B | |
| Total Liabilities | $1.64B | $1.64B | $1.64B | $1.62B | $1.64B | $1.67B | $1.66B | $1.62B | $1.66B | $1.55B | $1.51B | $1.48B | $1.50B | $1.52B | $1.55B | $1.59B | |
| Common Stock | $22M | $22M | $22M | $22M | $22M | $22M | $22M | $22M | $22M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | |
| Retained Earnings | $208M | $208M | $203M | $202M | $197M | $200M | $196M | $198M | $196M | $200M | $198M | $198M | $195M | $196M | $199M | $197M | |
| AOCI | $-38M | $-42M | $-40M | $-44M | $-50M | $-54M | $-62M | $-52M | $-68M | $-68M | $-65M | $-90M | $-74M | $-72M | $-84M | $-92M | |
| Stockholders' Equity | $192M | $187M | $185M | $179M | $169M | $167M | $156M | $168M | $149M | $139M | $141M | $116M | $128M | $131M | $123M | $112M | |
| Liabilities + Equity | $1.83B | $1.83B | $1.82B | $1.80B | $1.81B | $1.84B | $1.81B | $1.79B | $1.81B | $1.69B | $1.66B | $1.59B | $1.63B | $1.65B | $1.68B | $1.70B | |
| Shares Outstanding | 6,370,620 | 6,368,410 | 6,368,410 | 6,366,001 | 6,366,001 | 6,363,371 | 6,363,371 | 6,360,973 | 6,361,433 | 5,893,782 | 5,893,782 | 5,891,739 | · | 5,889,687 | 5,889,687 | 5,957,275 |
Cash Flow 12
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $63.0K | $62.0K | $50.0K | $49.0K | $51.0K | $43.0K | $35.0K | $28.0K | $33.0K | $32.0K | $21.0K | $16.0K | $5.0K | $0 | $0 | $0 | |
| Amort. of Intangibles | $84.0K | $87.0K | $89.0K | $92.0K | $95.0K | $97.0K | $100.0K | $102.0K | $35.0K | $0 | $0 | $0 | $0 | · | · | · | |
| Operating Cash Flow | $4M | $3M | $7M | $6M | $2M | $3M | $5M | $3M | $-3M | $4M | $2M | $5M | $3M | $4M | $11M | $8M | |
| CapEx | $190.0K | $229.0K | $432.0K | $800.0K | $543.0K | $963.0K | $954.0K | $971.0K | $1M | $315.0K | $228.0K | · | · | · | · | · | |
| Investing Cash Flow | $-6M | $-3M | $-240.0K | $-41M | $3M | $-1M | $16M | $-5M | $13M | $-3M | $-3M | $470.0K | $41M | $16M | $5M | $-52M | |
| Stock Repurchased | · | · | · | · | · | · | · | · | · | · | · | $0 | $0 | $0 | $3M | $796.0K | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | · | · | · | · | $0 | · | · | |
| Dividends Paid | · | · | $5M | $0 | · | · | $5M | $1.0K | $4M | $0 | $5M | $0 | $4M | $6M | $5M | $-5.0K | |
| Financing Cash Flow | $-5M | $3M | $10M | $-16M | $-35M | $13M | $37M | $-48M | $-32M | $34M | $34M | $-22M | $-29M | $-37M | $-35M | $-8M | |
| Net Change in Cash | $-8M | $3M | $17M | $-51M | $-30M | $14M | $58M | $-49M | $-22M | $35M | $33M | $-17M | $15M | $-17M | $-19M | $-51M | |
| Taxes Paid | $710.0K | $1M | $1M | $93.0K | · | · | $0 | $0 | $455.0K | $260.0K | $-1M | $150.0K | $3M | $1M | $420.0K | $1M | |
| Free Cash Flow | · | $3M | · | · | · | $2M | · | · | · | · | · | · | · | · | · | · |
Profitability 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 230.9% | 225.6% | · | 212.7% | 119.2% | 150.6% | · | 142.0% | -16.7% | 114.2% | · | 167.5% | 230.4% | 246.0% | · | 343.3% | |
| Pretax Margin | 279.0% | 273.9% | · | 258.9% | 138.0% | 181.6% | · | 171.1% | -26.4% | 141.5% | · | 201.1% | 262.3% | 297.4% | · | 420.8% | |
| ROA | 0.28% | 0.27% | · | 0.25% | 0.13% | 0.18% | · | 0.16% | -0.02% | 0.13% | · | 0.19% | 0.23% | 0.27% | · | 0.37% | |
| ROE | 2.8% | 2.8% | · | 2.5% | 1.4% | 2.1% | · | 1.9% | -0.22% | 1.6% | · | 2.7% | 2.9% | 3.1% | · | 4.1% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $8M | $8M | · | $8M | $8M | $8M | · | $7M | $7M | $7M | · | $7M | $7M | $7M | · | $7M | |
| Net Income TTM | $17M | $15M | · | $13M | $8M | $8M | · | $8M | $9M | $14M | · | $18M | $20M | $21M | · | $22M | |
| Market Cap | $231M | $232M | · | $187M | $173M | $169M | · | $190M | $180M | $197M | · | $148M | · | $185M | · | $201M | |
| P/E | 13.9 | 15.6 | · | 14.9 | 21.9 | 21.3 | · | 23.7 | 18.9 | 14.4 | · | 8.4 | 8.6 | · | · | · | |
| P/S | 27.6 | 27.8 | · | 23.4 | 22.3 | 21.9 | · | 25.6 | 24.8 | 27.1 | · | 20.6 | · | 26.0 | · | 29.3 | |
| P/B | 1.2 | 1.2 | · | 1.0 | 1.0 | 1.0 | · | 1.1 | 1.2 | 1.4 | · | 1.3 | · | 1.4 | · | 1.8 | |
| P / Tangible Book | 1.3 | 1.3 | · | 1.1 | 1.1 | 1.1 | · | 1.2 | 1.3 | 1.5 | · | 1.3 | · | 1.5 | · | 1.9 | |
| P / Cash Flow | · | 70.3 | · | · | · | 66.0 | · | · | · | 51.3 | · | · | · | 42.8 | · | · | |
| P / FCF | · | 75.5 | · | · | · | 105.7 | · | · | · | · | · | · | · | · | · | · | |
| Earnings Yield | 7.2% | 6.4% | · | 6.7% | 4.6% | 4.7% | · | 4.2% | 5.3% | 6.9% | · | 11.9% | 11.6% | · | · | · | |
| Payout Ratio | · | · | · | · | · | · | · | · | · | 0.00% | · | · | · | 130.0% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Revenue | $8M | $7M | $7M | $7M | $7M |
| Net Income | $16M | $8M | $16M | $26M | $20M |
| Diluted EPS | $2.49 | $1.24 | $2.66 | $4.33 | — |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $15M | $6M | $14M | $28M | $23M |
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Institutional owners (13F) 103 filers · $51.3M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 24 (+7 vs prior Q) | 13 (+9 vs prior Q) | 31 (+8 vs prior Q) | 15 (-2 vs prior Q) | -203K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $9,757,766 | 268,587 | 19.04% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $5,111,592 | 140,668 | 9.97% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $4,984,440 | 137,199 | 9.72% | Shares |
| STATE STREET CORP | $3,339,345 | 91,917 | 6.51% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $3,242,017 | 89,238 | 6.32% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $2,276,801 | 62,670 | 4.44% | Shares |
| RBF Capital, LLC | $1,816,500 | 50,000 | 3.54% | Shares |
| LPL Financial LLC | $1,659,646 | 45,683 | 3.24% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,550,237 | 42,671 | 3.02% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,528,112 | 42,062 | 2.98% | Shares |
| BlackRock, Inc. | $1,162,705 | 32,004 | 2.27% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $785,091 | 21,610 | 1.53% | Shares |
| Partners in Financial Planning | $778,583 | 21,431 | 1.52% | Shares |
| TWO SIGMA INVESTMENTS, LP | $769,142 | 21,171 | 1.50% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $727,654 | 20,029 | 1.42% | Shares |
| CITADEL ADVISORS LLC | $661,206 | 18,200 | 1.29% | Shares |
| Taylor Hoffman Capital Management LLC | $659,390 | 18,150 | 1.29% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $584,441 | 16,087 | 1.14% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $571,326 | 15,726 | 1.11% | Shares |
| Integrated Wealth Concepts LLC | $522,281 | 14,376 | 1.02% | Shares |
| Trexquant Investment LP | $483,807 | 13,317 | 0.94% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $419,793 | 11,555 | 0.82% | Shares |
| XTX Topco Ltd | $407,877 | 11,227 | 0.80% | Shares |
| MILLENNIUM MANAGEMENT LLC | $407,114 | 11,206 | 0.79% | Shares |
| BANK OF AMERICA CORP /DE/ | $401,229 | 11,044 | 0.78% | Shares |
| Carson Advisory Inc. | $363,300 | 10,000 | 0.71% | Shares |
| D.A. DAVIDSON & CO. | $349,858 | 9,630 | 0.68% | Shares |
| Kingsview Wealth Management, LLC | $330,988 | 9,091 | 0.65% | Shares |
| PRIVATE TRUST CO NA | $272,475 | 7,500 | 0.53% | Shares |
| Cerity Partners LLC | $267,134 | 7,353 | 0.52% | Shares |
| Marotta Asset Management | $239,027 | 6,422 | 0.47% | Shares |
| AdviceOne Advisory Services, LLC | $236,726 | 6,516 | 0.46% | Shares |
| BARCLAYS PLC | $234,983 | 6,468 | 0.46% | Shares |
| MINDSET WEALTH MANAGEMENT, LLC | $234,837 | 6,464 | 0.46% | Shares |
| HSBC HOLDINGS PLC | $227,512 | 6,271 | 0.44% | Shares |
| Nuveen Asset Management, LLC | $224,713 | 7,827 | 0.44% | Shares |
| DEUTSCHE BANK AG\ | $224,047 | 6,167 | 0.44% | Shares |
| Bank of New York Mellon Corp | $222,158 | 6,115 | 0.43% | Shares |
| GOLDMAN SACHS GROUP INC | $220,341 | 6,065 | 0.43% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $216,745 | 5,966 | 0.42% | Shares |
| AMERICAN CENTURY COMPANIES INC | $203,412 | 5,599 | 0.40% | Shares |
| Eagle Ridge Investment Management | $202,549 | 7,055 | 0.40% | Shares |
| Geneos Wealth Management Inc. | $193,784 | 5,334 | 0.38% | Shares |
| WELLS FARGO & COMPANY/MN | $192,404 | 5,296 | 0.38% | Shares |
| RHUMBLINE ADVISERS | $165,766 | 4,563 | 0.32% | Shares |
| Larson Financial Group LLC | $152,791 | 4,206 | 0.30% | Shares |
| MetLife Investment Management, LLC | $125,012 | 3,441 | 0.24% | Shares |
| Russell Investments Group, Ltd. | $120,215 | 3,309 | 0.23% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $114,367 | 3,148 | 0.22% | Shares |
| Aspect Partners, LLC | $112,768 | 3,104 | 0.22% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $110,116 | 3,031 | 0.21% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $105,793 | 2,912 | 0.21% | Shares |
| JPMORGAN CHASE & CO | $96,280 | 2,622 | 0.19% | Shares |
| Nuveen, LLC | $92,968 | 2,559 | 0.18% | Shares |
| CITIGROUP INC | $92,642 | 2,550 | 0.18% | Shares |
| Police & Firemen's Retirement System of New Jersey | $91,624 | 2,522 | 0.18% | Shares |
| Invesco Ltd. | $91,116 | 2,508 | 0.18% | Shares |
| Vanguard Global Advisers, LLC | $74,731 | 2,057 | 0.15% | Shares |
| Bogart Wealth, LLC | $72,733 | 2,002 | 0.14% | Shares |
| VANGUARD GROUP INC | $68,971 | 2,057 | 0.13% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $34,622 | 953 | 0.07% | Shares |
| NORTHERN TRUST CORP | $32,515 | 895 | 0.06% | Shares |
| Tower Research Capital LLC (TRC) | $31,898 | 878 | 0.06% | Shares |
| UBS Group AG | $23,215 | 639 | 0.05% | Shares |
| Legal & General Group Plc | $20,454 | 563 | 0.04% | Shares |
| Ameritas Investment Partners, Inc. | $17,329 | 477 | 0.03% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $12,744 | 350 | 0.02% | Shares |
| FMR LLC | $12,607 | 347 | 0.02% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $12,270 | 337 | 0.02% | Shares |
| COMERICA BANK | $11,903 | 355 | 0.02% | Shares |
| FTB Advisors, Inc. | $11,560 | 425 | 0.02% | Shares |
| CWM, LLC | $11,069 | 304 | 0.02% | Shares |
| Farther Finance Advisors, LLC | $10,450 | 288 | 0.02% | Shares |
| MORGAN STANLEY | $8,501 | 234 | 0.02% | Shares |
| Atlantic Union Bankshares Corp | $7,266 | 200 | 0.01% | Shares |
| MARSHALL WACE, LLP | $7,048 | 194 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $7,000 | 203 | 0.01% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $4,809 | 132,595 | 0.01% | Shares |
| Sterling Capital Management LLC | $4,614 | 127 | 0.01% | Shares |
| PNC Financial Services Group, Inc. | $3,633 | 100 | 0.01% | Shares |
| Arax Advisory Partners | $3,488 | 96 | 0.01% | Shares |
| GAMMA Investing LLC | $3,197 | 88 | 0.01% | Shares |
| OSAIC HOLDINGS, INC. | $2,470 | 68 | 0.00% | Shares |
| Allworth Financial LP | $2,362 | 65 | 0.00% | Shares |
| SEI INVESTMENTS CO | $2,180 | 60 | 0.00% | Shares |
| Glen Eagle Advisors, LLC | $1,817 | 50 | 0.00% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,417 | 39 | 0.00% | Shares |
| IFP Advisors, Inc | $1,308 | 36 | 0.00% | Shares |
| Quarry LP | $1,090 | 30 | 0.00% | Shares |
| Spire Wealth Management | $1,090 | 30 | 0.00% | Shares |
| PRICE T ROWE ASSOCIATES INC /MD/ | $1,007 | 27,714 | 0.00% | Shares |
| Essential Partners LLC | $763 | 21 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $581 | 16 | 0.00% | Shares |
| Caitong International Asset Management Co., Ltd | $182 | 5 | 0.00% | Shares |
| Optiver Holding B.V. | $145 | 4 | 0.00% | Shares |
| Fortitude Family Office, LLC | $109 | 3 | 0.00% | Shares |
| Wealth Enhancement Trust Services, Inc. | $109 | 3 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $73 | 2 | 0.00% | Shares |
| SJS Investment Consulting Inc. | $37 | 1 | 0.00% | Shares |
| Sunbelt Securities, Inc. | $36 | 1 | 0.00% | Shares |
Company insiders 23 insiders · 2 officers · 13 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Robert J. Buchanan | Treasurer | May 15, 2008 M | 7,250 | 0 | 0 | $0 |
| NATIONAL BANKSHARES INC | J. Robert Buchanan, Treasurer | March 22, 2007 M | 6,000 | 0 | 0 | $0 |
| Alan Jeffrey Sweet | Director | June 10, 2026 A | 9,642 | 0 | 0 | $0 |
| Lutheria H. Smith | Director | June 10, 2026 A | 2,201 | 0 | 0 | $0 |
| James Carroll Thompson | Director | June 10, 2026 A | 9,831 | 0 | 0 | $0 |
| Mildred R Johnson | Director | June 10, 2026 A | 4,374 | 0 | 0 | $0 |
| Norman V Fitzwater III | Director | June 10, 2026 A | 9,859 | 0 | 0 | $0 |
| Michael E Dye | Director | June 10, 2026 A | 5,441 | 0 | 0 | $0 |
| John Elliott Dooley | Director | June 10, 2026 A | 14,426 | 0 | 0 | $0 |
| Glenn P Reynolds | Director | June 10, 2026 A | 7,165 | 0 | 0 | $0 |
| Lawrence J Ball | Director | June 10, 2026 A | 23,609 | 0 | 0 | $0 |
| Brad F Denardo | Director | June 10, 2026 A | 18,657 | 0 | 0 | $0 |
| Paul A Duncan | Director | March 31, 2006 J | 3,928 | 0 | 0 | $0 |
| Jeffrey R Stewart | Director | March 31, 2006 J | 45,200 | 0 | 0 | $0 |
| L A Bowman | Director | March 31, 2006 J | 27,998 | 0 | 0 | $0 |
| Mary G Miller | — | Dec. 10, 2025 A | 7,482 | 0 | 0 | $0 |
| William A Peery | — | June 12, 2024 A | 6,354 | 0 | 0 | $0 |
| Jack M Lewis | — | Feb. 4, 2019 P | 9,056 | 0 | 0 | $0 |
| James G Rakes | — | Nov. 4, 2015 M | 46,632 | 0 | 0 | $0 |
| James M Shuler | — | Sept. 20, 2011 P | 23,748 | 0 | 0 | $0 |
| Marilyn B Buhyoff | — | June 14, 2011 S | 2,498 | 0 | 0 | $0 |
| Jack H Harry | — | June 1, 2010 P | 78,068 | 0 | 0 | $0 |
| Jack Bowling | — | April 14, 2009 P | 3,600 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 29 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| EBIT · Harbor ETF Trust | 0.04% | 116 NS | April 30, 2026 | N-PORT |
| GSSC · Goldman Sachs ETF Trust | 0.03% | 9,064 NS | May 31, 2026 | N-PORT |
| RSSL · Global X Funds | 0.01% | 2,749 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.01% | 294 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 21,298 NS | April 30, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.00% | 3,269 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 229 NS | May 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 12,250 NS | April 30, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 230 NS | May 31, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 259 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 6 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 742 NS | April 30, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 6,617 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 318 NS | April 30, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 879 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 446 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 365 NS | April 30, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 152 NS | May 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| IWN · iShares Trust | — | — | Aug. 17, 2026 | Daily |
| IWM · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWC · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | — | — | Aug. 17, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | — | — | July 13, 2026 | Daily |