NATIONAL BANKSHARES INC

NKSH

NATIONAL BANKSHARES INC

NKSH

Insider Sentiment (TTM):

Last Purchase:2026-03-13Last Sale:-Shares Purchased (TTM):215Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:2,265,702Shares Outstanding:6,363,371Institutional Ownership Pct.:35.61%

Earnings Market Reaction:

Filing Date:2026-08-12Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	9	8	8	9	10	15	14	16	15	11	13	13
Interest Bearing Deposits In Banks	46	54	51	33	83	107	94	34	80	111	74	40
Federal Funds Sold	-	-	0	0	0	0	0	0	3	-	0	-
Cash And Cash Equivalents At Carrying Value	55	62	59	42	93	123	108	50	99	121	87	-
Available For Sale Securities Debt Securities	653	658	654	630	590	596	602	622	605	610	619	592
Loans Receivable Held For Sale Net Not Part Of Dis…	0	1	0	1	1	1	1	0	0	0	0	0
Notes Receivable Gross	-	-	-	-	-	-	-	-	-	-	-	849
Financing Receivable Deferred Income	-	-	-	-	-	-	-	-	-	-	-1	-
Notes Receivable Net
Investment Owned Restricted Cost	-	-	-	-	-	2	2	2	2	1	1	1
Financing Receivable Before Allowance For Credit L…	-	996	1,000	1,017	1,011	1,004	989	-	-	-	857	-
Financing Receivable Allowance For Credit Losses	-	-10	-10	-11	-10	-10	-10	-10	-11	-9	-9	-10
Notes Receivable Net	1,005	986	989	1,006	1,000	993	978	991	979	854	848	839
Property Plant And Equipment Net	18	18	18	20	18	18	17	16	15	11	11	11
Real Estate Acquired Through Foreclosure	-	-	-	-	-	-	-	-	-	-	0	1
Interest Receivable	7	7	7	7	6	7	6	7	7	6	6	6
Goodwill	11	11	11	11	11	11	11	11	11	6	6	6
Intangible Assets Net Excluding Goodwill	1	1	1	2	2	2	2	2	2	-	-	-
Bank Owned Life Insurance	49	49	49	48	48	48	47	47	47	44	44	43
Other Assets	34	36	36	36	38	37	40	37	43	35	34	40
Assets	1,833	1,829	1,825	1,802	1,807	1,836	1,812	1,785	1,809	1,689	1,655	1,592
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities Domestic	313	303	313	313	306	301	290	296	296	284	281	303
Interest Bearing Deposit Liabilities Domestic	862	867	854	794	852	879	865	820	868	838	822	789
Deposits Savings Deposits	140	145	143	141	140	179	143	176	177	176	178	185
Time Deposits	315	315	318	315	329	299	347	310	304	240	223	188
Deposits	1,629	1,630	1,627	1,562	1,628	1,658	1,645	1,603	1,645	1,538	1,504	1,465
Federal Home Loan Bank Advances Long Term	-	-	-	50	-	-	-	-	-	-	-	-
Interest Payable Current And Noncurrent	1	2	2	2	2	1	1	2	3	3	1	1
Other Liabilities	10	10	11	10	9	9	9	12	13	9	9	10
Liabilities	1,640	1,642	1,640	1,623	1,638	1,668	1,655	1,617	1,660	1,550	1,515	1,476
Stockholders Equity
Preferred Stock Value	-	-	-	-	-	-	-	-	0	0	0	0
Common Stock Value	22	22	22	22	22	22	22	22	22	7	7	7
Retained Earnings Accumulated Deficit	208	208	203	202	197	200	196	198	196	200	198	198
Accumulated Other Comprehensive Income Loss Net Of…	-38	-42	-40	-44	-50	-54	-62	-52	-68	-68	-65	-90
Stockholders Equity	192	187	185	179	169	167	156	168	149	139	141	116
Liabilities And Stockholders Equity	1,833	1,829	1,825	1,802	1,807	1,836	1,812	1,785	1,809	1,689	1,655	1,592
Preferred Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	5	5	5	5	5	5	5	5	5	5	5	5
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	1.25	1.25	1.25	1.25	1.25	1.25	1.25	1.25	1.25	1.25	1.25	1.25
Common Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Common Stock Shares Issued	6	6	6	6	6	6	6	6	6	6	6	6
Shares Outstanding	6	6	6	6	6	6	6	6	6	6	6	6

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	1.05%	6.13%	15.34%	-	-	-	-	-	-	-	-	-
2025	4.43%	15.89%	5.28%	8.04%	0.59%	-0.73%	1.75%	12.75%	24.36%	5.87%	-2.42%	4.25%
2024	-6.43%	-8.54%	-8.89%	1.36%	2.62%	2.06%	-0.39%	-8.67%	-3.76%	-7.27%	-1.40%	-1.80%
2023	-	-	-	-	-	-	13.53%	32.92%	30.46%	-13.05%	-9.43%	-10.38%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.51	-0.56	-0.58	-0.64	-0.67	-0.73	-0.31	0.22	0.78	1.61	1.87	2.62
Per Share Metrics
Diluted EPS TTM	3.19	2.76	2.49	2.05	1.77	1.37	1.24	1.37	1.51	2.26	2.66	3.53
Free Cash Flow Per Share TTM	2.77	2.48	2.25	2.05	1.55	0.67	1.00	0.58	0.98	2.25	2.38	3.96
Dividend Per Share TTM	0.78	1.51	1.51	1.51	1.51	1.46	1.50	1.40	1.48	1.51	2.51	2.52
Margin Metrics
Gross Profit Margin TTM	-219.95%	-240.80%	-263.89%	-302.18%	-337.97%	-341.63%	-352.91%	-390.52%	-349.13%	-311.13%	-248.53%	-123.41%
Operating Profit Margin TTM	293.34%	258.25%	234.42%	201.76%	178.62%	134.62%	122.51%	144.88%	152.12%	222.74%	264.07%	360.95%
Net Profit Margin TTM	240.85%	212.93%	193.57%	168.20%	149.62%	113.16%	102.38%	120.47%	126.64%	186.93%	221.88%	299.17%
Growth Metrics
Net Revenue Growth (1Y)	11.84%	7.52%	9.80%	6.86%	4.64%	7.60%	5.29%	4.14%	4.16%	0.07%	1.12%	-1.43%
Net Income Growth (1Y)	80.05%	102.31%	107.61%	49.20%	23.61%	-34.87%	-51.42%	-58.07%	-61.82%	-47.87%	-39.49%	-4.83%
EPS Growth (1Y)	79.90%	102.16%	101.13%	49.10%	17.19%	-39.67%	-53.56%	-61.15%	-62.70%	-47.87%	-39.49%	-3.74%
Valuation Metrics
P/E TTM	11.38	12.91	13.19	13.71	14.62	18.08	21.52	19.70	16.90	13.03	10.72	6.08
P/B TTM	1.20	1.21	1.13	1.00	0.98	0.94	1.05	1.03	1.04	1.25	1.20	1.09
P/S TTM	27.42	27.49	25.53	23.07	21.88	20.46	22.03	23.73	21.41	24.35	23.78	18.18
Market Cap	231.20M	226.81M	208.75M	178.61M	164.97M	157.04M	164.06M	171.98M	154.26M	173.69M	168.18M	126.48M
Enterprise Value	176.64M	164.65M	149.50M	136.30M	72.12M	34.50M	55.94M	122.21M	55.38M	52.51M	81.58M	113.39M
Calculated Values
Free Cash Flow TTM	17.61M	15.78M	14.31M	13.03M	9.88M	4.26M	6.18M	3.68M	5.91M	13.22M	14.03M	23.30M
Net Debt	-54.56M	-62.15M	-59.25M	-42.31M	-92.85M	-122.54M	-108.12M	-49.77M	-98.88M	-121.18M	-86.60M	-13.09M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-13Purchase

Owner: Sweet, Alan Jeffrey

Title: -

Shares: 215

Price/Share: $37.10

Value: $7,976.50

Shares Owned: 9,421

Relationship: Director

Ownership: Direct

2025-06-18Purchase

Owner: Ball, Lawrence J

Title: -

Shares: 1,000

Price/Share: $25.80

Value: $25,800.00

Shares Owned: 23,169

Relationship: Director

Ownership: Direct

2025-06-12Purchase

Owner: Sweet, Alan Jeffrey

Title: -

Shares: 225

Price/Share: $26.50

Value: $5,962.50

Shares Owned: 8,987

Relationship: Director

Ownership: Direct

2025-06-02Purchase

Owner: Smith, Lutheria H.

Title: -

Shares: 24

Price/Share: $26.17

Value: $628.08

Shares Owned: 1,498

Relationship: Director

Ownership: Direct

2025-03-14Purchase

Owner: Green, Charles E Iii

Title: -

Shares: 1,000

Price/Share: $27.08

Value: $27,080.00

Shares Owned: 49,144

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-13	Sweet, Alan Jeffrey	Director	-	Direct	Purchase	215	37.10	$7,976.50	9,421	4
2025-06-18	Ball, Lawrence J	Director	-	Direct	Purchase	1,000	25.80	$25,800.00	23,169	4
2025-06-12	Sweet, Alan Jeffrey	Director	-	Direct	Purchase	225	26.50	$5,962.50	8,987	4
2025-06-02	Smith, Lutheria H.	Director	-	Direct	Purchase	24	26.17	$628.08	1,498	4
2025-03-14	Green, Charles E Iii	Director	-	Direct	Purchase	1,000	27.08	$27,080.00	49,144	4
2025-02-26	Ball, Lawrence J	Director	-	Direct	Purchase	1,000	27.50	$27,500.00	21,906	4
2025-02-19	Miller, Mary G	Director	-	Direct	Purchase	49	28.62	$1,402.38	7,000	4
2024-08-29	Sweet, Alan Jeffrey	Director	-	Direct	Purchase	425	29.65	$12,601.25	8,088	4
2024-08-08	Ball, Lawrence J	Director	-	Direct	Purchase	1,000	27.00	$27,000.00	20,688	4
2024-06-04	Dooley, John Elliott	Director	-	Direct	Purchase	470	29.41	$13,822.70	13,272	4
2023-11-07	Ball, Lawrence J	Director	-	Direct	Purchase	1,000	24.50	$24,500.00	19,228	4
2023-05-22	Denardo, F Brad	Director,Officer	Chairman, President & CEO	Direct	Purchase	546	27.39	$14,954.94	18,217	4
2023-05-18	Ball, Lawrence J	Director	-	Direct	Purchase	1,000	28.69	$28,690.00	17,000	4
2023-05-09	Ball, Lawrence J	Director	-	Direct	Purchase	1,000	27.96	$27,960.00	16,000	4
2023-05-09	Dye, Michael E	Director	-	Direct	Purchase	325	27.88	$9,061.00	3,832	4
2023-05-04	Fitzwater, Norman V Iii	Director	-	Direct	Purchase	250	28.50	$7,125.00	8,250	4
2023-05-02	Sanders, Bobby D. Ii	Officer	SVP/Chief Credit Officer	Direct	Purchase	150	27.50	$4,125.00	913	4
2023-04-27	Dye, Michael E	Director	-	Direct	Purchase	200	30.33	$6,066.00	3,507	4
2023-04-26	Sanders, Bobby D. Ii	Officer	SVP/Chief Credit Officer	Direct	Purchase	150	29.75	$4,462.50	763	4
2023-04-24	Fitzwater, Norman V Iii	Director	-	Direct	Purchase	1,000	32.59	$32,590.00	8,000	4
2023-04-24	Sanders, Bobby D. Ii	Officer	SVP/Chief Credit Officer	Direct	Purchase	300	31.51	$9,453.00	613	4
2023-04-24	Dooley, John Elliott	Director	-	Direct	Purchase	1,300	32.25	$41,925.00	12,347	4
2023-04-24	Ball, Lawrence J	Director	-	Direct	Purchase	1,000	32.00	$32,000.00	15,000	4
2023-03-21	Green, Charles E Iii	Director	-	Direct	Purchase	1,000	34.79	$34,790.00	47,238	4
2023-03-20	Ball, Lawrence J	Director	-	Direct	Purchase	1,000	35.00	$35,000.00	14,000	4
2023-03-17	Ramsey, Lara E	Officer	Chief Operating Officer	Direct	Purchase	70	34.71	$2,429.70	212	4
2023-03-17	Dooley, John Elliott	Director	-	Direct	Purchase	450	35.00	$15,750.00	11,047	4
2023-03-16	Ball, Lawrence J	Director	-	Direct	Purchase	500	36.00	$18,000.00	13,000	4
2023-03-15	Ball, Lawrence J	Director	-	Direct	Purchase	500	36.50	$18,250.00	12,500	4
2023-03-15	Miller, Mary G	Director	-	Direct	Purchase	90	38.00	$3,420.00	6,500	4
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Institutional Ownership

No data available for chart

2026-03-31

35.61%

Inst. Shares: 2,265,702

Shares Outstanding: 6,363,371

2025-12-31

35.16%

Inst. Shares: 2,235,916

Shares Outstanding: 6,359,960

2025-09-30

33.90%

Inst. Shares: 2,156,494

Shares Outstanding: 6,360,973

2025-06-30

30.33%

Inst. Shares: 1,928,423

Shares Outstanding: 6,358,917

2025-03-31

31.34%

Inst. Shares: 1,992,633

Shares Outstanding: 6,358,410

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	2,265,702	6,363,371	35.61%
2025-12-31	2,235,916	6,359,960	35.16%
2025-09-30	2,156,494	6,360,973	33.90%
2025-06-30	1,928,423	6,358,917	30.33%
2025-03-31	1,992,633	6,358,410	31.34%
2024-12-31	1,953,487	6,161,428	31.71%
2024-09-30	1,839,552	6,356,594	28.94%
2024-06-30	1,713,083	6,028,220	28.42%
2024-03-31	1,703,884	5,889,687	28.93%
2023-12-31	1,654,120	5,889,687	28.09%
2023-09-30	1,565,415	5,889,687	26.58%
2023-06-30	1,574,650	5,889,687	26.74%
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NATIONAL BANKSHARES INC (NKSH) — SEC Financial Statements & Analysis

NATIONAL BANKSHARES INC (NKSH) is a national commercial banks company, incorporated in VA. NATIONAL BANKSHARES INC trades on Nasdaq as: NKSH. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), NATIONAL BANKSHARES INC reported a 11.84% year-over-year revenue growth, a Gross Profit Margin of -219.95% (TTM), a Price-to-Sales (P/S) ratio of 27.42x (TTM), a Price-to-Book (P/B) ratio of 1.20x (TTM), at a market cap of $231.20M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 11.84%
Gross Profit Margin TTM: -219.95%
P/S TTM: 27.42x
P/B TTM: 1.20x
Market Cap: $231.20M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is NATIONAL BANKSHARES INC in?

NATIONAL BANKSHARES INC (NKSH) operates in the National Commercial Banks industry.

What is NKSH's market cap?

NATIONAL BANKSHARES INC (NKSH) has a market capitalization of $231.20M as of 2026-06-30.

What is NKSH's P/E ratio?

NATIONAL BANKSHARES INC (NKSH)'s trailing twelve month P/E ratio is 11.38x as of 2026-06-30.

What exchange does NKSH trade on?

NATIONAL BANKSHARES INC (NKSH) trades on the Nasdaq.

Where is NATIONAL BANKSHARES INC incorporated?

NATIONAL BANKSHARES INC is incorporated in VA.