NKSH National Bankshares, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 12, 2026
$42.66
· of 52w range
· above low
· to high
$27.0052w low
$43.3152w high
Market Cap (MRQ)
$272M
P/E (TTM)
13.4
EPS (TTM)
$3.19
Revenue (TTM)
$8M
your badges
52W Range
$27–$43
Analyst Rating
BUY
Price Target
$47
P/E
13.4
ROE
11.3%
Net Profit Margin
239.2%
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NKSH Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$42.66
Market Cap (MRQ)
$272M
P/E (TTM)
13.4
EPS (TTM)
$3.19
Revenue (TTM)
$8M
Div Yield
3.5%
ROE (TTM)
11.3%
52W Range
$27–$43
NKSH Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| April 3, 2006 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$8M2016-12-31 → 2025-12-31
EPS$2.492016-12-31 → 2025-12-31
Free Cash Flow$15M2016-12-31 → 2025-12-31
Net margin239.2%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | NKSH | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 13.45Y avg ≈14.0 | ≈14.0 | 11.4 | Undervalued | |
| P/S (TTM) | 32.05Y avg ≈28.8 | ≈28.8 | 3.6 | Overvalued | |
| P/B (MRQ) | 1.45Y avg ≈1.3 | ≈1.3 | 1.2 | Fair value | |
| Price / FCF (TTM) | 14.85Y avg ≈15.1 | ≈15.1 | · | · | |
| Price / Cash Flow (TTM) | 13.55Y avg ≈12.2 | ≈12.2 | 10.2 | Overvalued | |
| Price / Tangible Book (MRQ) | 1.45Y avg ≈1.4 | ≈1.4 | · | · | |
| PEG Ratio | ≈167.2 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | NKSH | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin (TTM) | 291.3%5Y avg ≈289.0% | ≈289.0% | 34.5% | Top tier | |
| Net Profit Margin (TTM) | 239.2%5Y avg ≈238.9% | ≈238.9% | 29.5% | Top tier | |
| ROA (TTM) | 1.1%5Y avg ≈1.0% | ≈1.0% | 0.89% | Weak | |
| ROE (TTM) | 11.3%5Y avg ≈11.7% | ≈11.7% | 9.5% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | NKSH | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 9.8%5Y avg ≈7.8% | ≈7.8% | · | · | |
| Revenue CAGR 3Y | 5.3%5Y avg ≈5.6% | ≈5.6% | · | · | |
| Revenue CAGR 5Y | 7.7% | · | · | · | |
| EPS YoY | 100.8%5Y avg ≈3.0% | ≈3.0% | · | · | |
| Net Income YoY | 107.6%5Y avg ≈14.1% | ≈14.1% | · | · | |
| EPS CAGR 3Y | -16.8% | · | · | · | |
| EPS CAGR 5Y | 0.08% | · | · | · | |
| Net Income CAGR 3Y | -15.2%5Y avg ≈-14.6% | ≈-14.6% | · | · | |
| Net Income CAGR 5Y | -0.31% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | NKSH | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak | |
| Revenue / Employee | ≈$33.4K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield3.5%
Payout Ratio60.7%
Annualized Payout≈$1.50
5Y Div CAGR≈1.7%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| May 26, 2026 | $0.75 | USD | ≈4.4% |
| Nov 24, 2025 | $0.78 | USD | ≈5.2% |
| May 27, 2025 | $0.73 | USD | ≈5.8% |
| Nov 25, 2024 | $0.78 | USD | ≈4.7% |
| May 24, 2024 | $0.73 | USD | ≈4.9% |
| Nov 17, 2023 | $0.78 | USD | ≈9.2% |
| May 19, 2023 | $0.73 | USD | ≈9.2% |
| Jan 20, 2023 | $1.00 | USD | ≈6.1% |
| Nov 18, 2022 | $0.78 | USD | ≈3.9% |
| May 20, 2022 | $0.72 | USD | ≈4.4% |
| Nov 19, 2021 | $0.74 | USD | ≈3.8% |
| May 21, 2021 | $0.70 | USD | ≈4.1% |
| Nov 20, 2020 | $0.72 | USD | ≈4.5% |
| May 21, 2020 | $0.67 | USD | ≈4.9% |
| Nov 22, 2019 | $0.72 | USD | ≈3.0% |
| May 24, 2019 | $0.67 | USD | ≈3.3% |
| Nov 23, 2018 | $0.63 | USD | ≈2.7% |
| May 18, 2018 | $0.58 | USD | ≈2.5% |
| Nov 17, 2017 | $0.61 | USD | ≈2.7% |
| May 18, 2017 | $0.56 | USD | ≈2.9% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
2.5%
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 22, 2026 | $0.80 | $0.82 | -2.0% |
| Dec. 31, 2025 | $0.84 | $0.69 | 21.1% | |
| Sept. 30, 2025 | $0.70 | $0.67 | 4.0% | |
| June 30, 2025 | $0.61 | $0.65 | -6.6% | |
| March 31, 2025 | $0.51 | $0.53 | -3.8% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| 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
| 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
| 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
| 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
| 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 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $29.04 | $24.58 | $23.84 | $20.83 | $31.62 | · | · | $27.34 | $26.57 | $25.62 | |
| Revenue / Share | $1.28 | $1.21 | $1.20 | · | · | · | · | · | $6.83 | $6.71 | |
| Cash Flow / Share | $2.81 | $1.53 | $2.64 | · | · | · | · | · | $1.58 | $2.52 | |
| Cash / Share | $9.30 | $16.99 | · | · | · | · | · | · | · | · | |
| Dividend / Share | $1.51 | $1.51 | $2.51 | $1.50 | $1.44 | $1.39 | $1.39 | $1.21 | · | · | |
| EPS (TTM) | $2.49 | $1.24 | $2.66 | $4.33 | $3.06 | $2.48 | $2.65 | $2.32 | $2.03 | $2.15 |
Growth Rates
| 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% | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 1.3% | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| 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
| 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 | · | 6,360,973 | 6,358,917 | 6,358,410 | · | 6,356,594 | 6,028,220 | 5,889,687 | · | 5,889,687 | 5,889,687 | 5,889,687 | · | 5,974,961 | |
| Shares (Diluted) | 6,367,161 | 6,366,154 | · | 6,363,351 | 6,361,582 | 6,360,392 | · | 6,358,352 | 6,028,220 | 5,891,651 | · | 5,889,939 | 5,890,048 | 5,889,687 | · | 5,974,961 |
Balance Sheet
| 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
| 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
| 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
| 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 |
Per Share
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $30.17 | $29.43 | · | $28.15 | $26.51 | $26.29 | · | $26.38 | $23.42 | $23.65 | · | $19.71 | · | $22.25 | · | $18.83 | |
| Revenue / Share | $0.34 | $0.35 | · | $0.33 | $0.30 | $0.34 | · | $0.30 | $0.30 | $0.32 | · | $0.31 | $0.29 | · | · | · | |
| Cash Flow / Share | · | $0.52 | · | · | · | $0.40 | · | · | · | $0.65 | · | · | · | · | · | · | |
| Cash / Share | $8.56 | $9.76 | · | $6.65 | $14.59 | $19.26 | · | $7.82 | $15.54 | $20.56 | · | · | · | · | · | · | |
| Dividend / Share | $0.75 | · | $0.78 | $0.00 | $0.73 | · | $0.78 | $0.00 | $0.73 | $0.00 | $0.78 | $0.00 | $0.73 | $1.00 | $0.78 | $0.00 | |
| EPS (TTM) | $3.19 | $2.76 | · | $2.06 | $1.79 | $1.38 | · | $1.45 | $1.55 | $2.26 | · | $3.51 | $4.02 | $4.29 | · | · |
Valuation (TTM)
| 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 | $20M | $18M | · | $13M | $11M | $9M | · | $9M | $9M | $13M | · | $21M | $24M | $26M | · | $22M | |
| Market Cap | $231M | $232M | · | $187M | $173M | $169M | · | $190M | $180M | $197M | · | $148M | · | $185M | · | $201M | |
| P/E | 11.4 | 13.2 | · | 14.3 | 15.2 | 19.3 | · | 20.6 | 18.2 | 14.8 | · | 7.1 | 7.3 | 7.3 | · | · | |
| P/S | 27.3 | 28.2 | · | 23.5 | 22.3 | 22.1 | · | 26.0 | 24.8 | 27.6 | · | 20.8 | · | 26.0 | · | 28.7 | |
| 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 | · | · | |
| Dividend Yield | · | · | · | · | 5.3% | 5.5% | · | 4.7% | 5.0% | 4.5% | · | 10.1% | · | 8.0% | · | 4.4% | |
| Earnings Yield | 8.8% | 7.6% | · | 7.0% | 6.6% | 5.2% | · | 4.9% | 5.5% | 6.8% | · | 14.0% | 13.8% | 13.6% | · | · | |
| Payout Ratio | · | · | · | · | · | · | · | · | · | 0.00% | · | · | · | 130.0% | · | · | |
| Annual Payout | · | · | · | · | $9M | $9M | · | $9M | $9M | $9M | · | $15M | $15M | $15M | · | $9M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 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 | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $15M | $6M | $14M | $28M | $23M |
Institutional owners (13F) 101 filers · $89.0M total · As of Sept. 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.
Holders
101
Value held
$89.0M
New positions
19
Exited positions
13
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 19 (+2 vs prior Q) | 13 (+9 vs prior Q) | 38 (+14 vs prior Q) | 15 (-5 vs prior Q) | -35K |
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 |
|---|---|---|---|---|
| BlackRock, Inc. | $19,237,606 | 529,524 | 21.61% | Shares |
| VANGUARD GROUP INC | $11,335,487 | 338,070 | 12.73% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $9,757,766 | 268,587 | 10.96% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $5,993,357 | 164,939 | 6.73% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $5,349,099 | 147,230 | 6.01% | Shares |
| STATE STREET CORP | $3,339,345 | 91,917 | 3.75% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $3,242,017 | 89,238 | 3.64% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $2,276,801 | 62,670 | 2.56% | Shares |
| NORTHERN TRUST CORP | $1,883,602 | 51,847 | 2.12% | Shares |
| RBF Capital, LLC | $1,816,500 | 50,000 | 2.04% | Shares |
| LPL Financial LLC | $1,659,646 | 45,683 | 1.86% | Shares |
| MARSHALL WACE, LLP | $1,653,124 | 45,503 | 1.86% | Shares |
| CITADEL ADVISORS LLC | $1,563,571 | 43,038 | 1.76% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,550,237 | 42,671 | 1.74% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,528,112 | 42,062 | 1.72% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $911,847 | 25,099 | 1.02% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $785,091 | 21,610 | 0.88% | Shares |
| Partners in Financial Planning | $778,583 | 21,431 | 0.87% | Shares |
| TWO SIGMA INVESTMENTS, LP | $769,142 | 21,171 | 0.86% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $727,654 | 20,029 | 0.82% | Shares |
| Taylor Hoffman Capital Management LLC | $659,390 | 18,150 | 0.74% | Shares |
| Nuveen, LLC | $623,531 | 17,163 | 0.70% | Shares |
| Bank of New York Mellon Corp | $585,700 | 16,122 | 0.66% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $584,441 | 16,087 | 0.66% | Shares |
| GOLDMAN SACHS GROUP INC | $577,429 | 15,894 | 0.65% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $571,326 | 15,726 | 0.64% | Shares |
| MORGAN STANLEY | $518,687 | 14,277 | 0.58% | Shares |
| Trexquant Investment LP | $483,807 | 13,317 | 0.54% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $419,793 | 11,555 | 0.47% | Shares |
| XTX Topco Ltd | $407,877 | 11,227 | 0.46% | Shares |
| MILLENNIUM MANAGEMENT LLC | $407,114 | 11,206 | 0.46% | Shares |
| BANK OF AMERICA CORP /DE/ | $401,229 | 11,044 | 0.45% | Shares |
| Carson Advisory Inc. | $363,300 | 10,000 | 0.41% | Shares |
| WELLS FARGO & COMPANY/MN | $358,405 | 9,865 | 0.40% | Shares |
| D.A. DAVIDSON & CO. | $349,858 | 9,630 | 0.39% | Shares |
| Kingsview Wealth Management, LLC | $332,472 | 9,151 | 0.37% | Shares |
| PRIVATE TRUST CO NA | $272,475 | 7,500 | 0.31% | Shares |
| Invesco Ltd. | $269,605 | 7,421 | 0.30% | Shares |
| Cerity Partners LLC | $269,205 | 7,410 | 0.30% | Shares |
| Marotta Asset Management | $269,146 | 6,422 | 0.30% | Shares |
| Integrated Wealth Concepts LLC | $262,266 | 7,219 | 0.29% | Shares |
| BARCLAYS PLC | $239,161 | 6,583 | 0.27% | Shares |
| AdviceOne Advisory Services, LLC | $236,726 | 6,516 | 0.27% | Shares |
| MINDSET WEALTH MANAGEMENT, LLC | $234,837 | 6,464 | 0.26% | Shares |
| HSBC HOLDINGS PLC | $227,512 | 6,271 | 0.26% | Shares |
| DEUTSCHE BANK AG\ | $224,047 | 6,167 | 0.25% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $216,745 | 5,966 | 0.24% | Shares |
| SEI INVESTMENTS CO | $210,242 | 5,787 | 0.24% | Shares |
| AMERICAN CENTURY COMPANIES INC | $203,412 | 5,599 | 0.23% | Shares |
| Geneos Wealth Management Inc. | $193,784 | 5,334 | 0.22% | Shares |
Company insiders 29 insiders · 7 officers · 14 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Lara E Ramsey | President & CEO | Feb. 11, 2026 A | 1,440 | 0 | 0 | $0 |
| Lora M. Jones | EVP/Chief Financial Officer | Feb. 11, 2026 A | 994 | 0 | 0 | $0 |
| David K. Skeens | EVP/Chief Operating Officer | Feb. 11, 2026 A | 1,098 | 0 | 0 | $0 |
| Paul M. Mylum | EVP/Chief Lending Officer | Feb. 11, 2026 A | 1,215 | 0 | 0 | $0 |
| Bobby D. Sanders II | SVP/Chief Credit Officer | May 2, 2023 P | 913 | 0 | 0 | $0 |
| 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 | 1 | 0 | $7,976 |
| 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 |
| Charles E Green III | Director | March 14, 2025 P | 49,144 | 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 21 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 |
|---|---|---|---|---|
| IWC · iShares Trust | 0.07% | 22,063 SH | Sept. 11, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.04% | 104 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 641 SH | Oct. 2, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 36,655 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 5,517 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 173,744 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 3,006 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 4,207 SH | Oct. 2, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 21,298 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 15,079 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 742 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 1,532 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 6,617 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 318 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 446 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 365 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 73,936 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 187,913 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 499 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 67,875 SH | Sept. 11, 2026 | Daily |
NKSH Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 7 analysts
BUY
Median target
$46.75
+9.6%
2 28.6%
Strong Buy
4 57.1%
Buy
1 14.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
1 analysts · 2026-10-03Mean target $46.75 +9.6%
Low$46.75
Mean$46.75
High$46.75
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| NKSH | $214M | 13.5 | 9.8% | 193.6% | 8.9% | · |
| FRAF | $225M | 10.6 | 24.8% | 23.9% | 12.8% | · |
| ATLO | $203M | 15.6 | 21.9% | 28.5% | 9.5% | · |
| FUNC | $243M | 9.9 | 4.0% | 133.1% | 12.4% | · |
| QNBC | · | · | 16.9% | 24.2% | 11.6% | · |
| FBLA | $232M | 183.6 | -3.8% | 2.4% | 0.39% | · |
| FXNC | $228M | 12.9 | 0.76% | 123.9% | 9.8% | · |
| LCNB | $233M | 10.1 | 13.3% | 25.1% | 8.6% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
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Source: SEC 10-Q filed Aug 12, 2026