National Bankshares Inc/VA (NKSH) Stock Price

NKSHStock

$43.58+52.80%52W

Market Cap$277.54M

P/E17.54x

PEG Ratio—

Div yield5.82%

Beta0.54

NKSH Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)7.69%

Price vs S&P 500 (4W)3.48%

VGM Score53.64

P/E Ratio (Annual)17.54x

Indicated Dividend Yield (Annual)5.82%

P/CF (Annual)15.52x

Book Value / Share (Quarterly)$30.17

P/TBV (Annual)1.16x

Indicated Dividend (Annual)$1.50

Revenue Growth (3Y)3.54%

Cash Flow / Share (Quarterly)$2.89

Payout Ratio (TTM)89.32%

Price vs S&P 500 (YTD)18.05%

Net Profit Margin (TTM)38.04%

EPS (TTM)$3.19

10-Day Avg Trading Volume0.03M

EPS Excl Extra (TTM)$3.19

Revenue Growth (5Y)3.96%

EPS (Annual)$2.49

Dividend / Share (Annual)$1.51

ROI (Annual)8.56%

Net Profit Margin (5Y Avg)38.66%

Cash / Share (Quarterly)$2.22

P/E Basic Excl Extra (TTM)13.67x

Revenue Growth QoQ (YoY)11.58%

EPS Growth (5Y)0.05%

P/E Normalized (Annual)17.54x

ROA (Last FY)0.87%

Revenue Growth TTM (YoY)20.18%

EBITD / Share (TTM)$4.43

ROE (5Y Avg)11.27%

Operating Margin (TTM)45.90%

Cash Flow / Share (Annual)$2.38

P/B Ratio1.44x

P/B Ratio (Quarterly)1.20x

Net Income / Employee (Annual)$65,100

ROA (TTM)1.11%

EPS Growth QoQ (YoY)119.51%

EV / EBITDA (TTM)10.08x

EPS Incl Extra (Annual)$2.49

3-Month Avg Trading Volume0.03M

52-Week Price Return52.80%

EV / Free Cash Flow (Annual)18.32x

P/E Incl Extra (TTM)13.67x

Tangible BV / Share (Quarterly)$29.97

P/S Ratio (Annual)2.66x

52-Week High$45.00

Operating Margin (5Y Avg)46.29%

EPS Excl Extra (Annual)$2.49

CapEx CAGR (5Y)8.51%

Tangible BV CAGR (5Y)0.59%

26-Week Price Return17.59%

13-Week Price Return19.10%

Total Debt / Equity (Annual)0.00x

Enterprise Value$277.63M

Revenue / Share Growth (5Y)9.05%

Book Value / Share Growth (5Y)-1.52%

Revenue / Employee (Annual)$267,087,600,000

Pretax Margin (Annual)53.45%

Cash / Share (Annual)$2.11

3-Month Return Std Dev26.63%

Net Income / Employee (TTM)$83,600

EBITDA CAGR (5Y)8.78%

EBITDA Interim CAGR (5Y)4.97%

ROE (Last FY)8.56%

EPS Basic Excl Extra (Annual)$2.49

P/FCF (TTM)15.07x

EV / Free Cash Flow (TTM)15.07x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$3.19

ROI (TTM)10.92%

Dividend Growth Rate (5Y)1.59%

P/S Ratio (TTM)2.88x

Pretax Margin (5Y Avg)46.29%

Revenue / Share (Annual)$9.92

Tangible BV / Share (Annual)$28.80

Forward P/E11.48x

Free OCF CAGR (5Y)4.83%

Price vs S&P 500 (52W)37.27%

P/E Ratio (TTM)13.67x

EPS Growth TTM (YoY)79.99%

Year-to-Date Return29.97%

5-Day Price Return0.46%

EPS Normalized (Annual)$2.49

ROA (5Y Avg)1.00%

Net Profit Margin (Annual)43.64%

Month-to-Date Return3.98%

Cash Flow / Share (TTM)$3.65

EBITD / Share (Annual)$3.18

EPS Growth (3Y)-16.86%

Operating Margin (Annual)53.45%

P/CF (TTM)13.83x

ROI (5Y Avg)11.27%

P/E Excl Extra (TTM)13.67x

LT Debt / Equity (Quarterly)0.18x

EPS Basic Excl Extra (TTM)$3.19

P/TBV (Quarterly)1.21x

Payout Ratio (Annual)60.73%

P/B Ratio (Annual)1.15x

Dividend / Share (TTM)$1.53

Pretax Margin (TTM)45.90%

Book Value / Share (Annual)$29.04

Price vs S&P 500 (13W)16.42%

Net Margin Growth (5Y)4.53%

Dividend Yield (TTM)3.51%

Beta0.54x

P/FCF (Annual)18.32x

Revenue / Share (TTM)$9.27

ROE (TTM)10.92%

52-Week Low$27.00

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NKSH Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 23, 2026	$0.80	$0.79	-1.53%(-$0.01)
Q1 2026	Apr 23, 2026	—	$0.78	—
Q4 2025	Jan 22, 2026	$0.68	$0.84	+24.18%(+$0.16)
Q3 2025	Oct 23, 2025	$0.66	$0.70	+6.17%(+$0.04)
Q2 2025	Jul 24, 2025	$0.64	$0.61	-4.66%(-$0.03)

NKSH Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.14

Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
NKSHNational Bankshares Inc/VA	D	D	A	1.2x	10.9%	1.1%	—	$43.58
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69

About National Bankshares Inc/VA

National Bankshares Inc is a bank holding company serving small and mid-sized businesses and individuals through comprehensive lending in commercial, agricultural, real estate, and consumer loan categories. The company diversifies revenue through its subsidiary, National Bankshares Financial Services Inc, which provides insurance and brokerage services. Revenues are generated from loan interest and fees, non-interest income, and investments.