NKSH

NATIONAL BANKSHARES INC
—

Company Information

Company Name
NATIONAL BANKSHARES INC
CIK
CIK0000796534
Category
Non-accelerated filer<br>Smaller reporting company
Ticker: Exchange
NKSH: Nasdaq
Fiscal Year End
December 31
Owner Organization
02 Finance
SIC
6021
SIC Description
National Commercial Banks
Ticker
NKSH

SEC filing data through

Insider Sentiment

Last purchase
2026-03-13
Last sale
—
Shares purchased (TTM)
2,464
Shares sold (TTM)
0
Buy ratio (TTM)100.0%

Institutional Sentiment

As of
2026-06-30
Institutional shares owned
2,166,263
Shares outstanding
6,363,920
Ownership
34.04%
+3.71% Y/Y

Earnings Market Reaction

Filing date
2026-08-12
Price on filing date
—
1-month reaction
-1.27%
3-month reaction
…
Drift continued7/11 (64%)
Faded / reversed4/11 (36%)

Balance Sheet

Values in millions ($)
Line item2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-312023-12-312023-09-30Subscriber-only columnSubscriber-only columnSubscriber-only columnSubscriber-only columnSubscriber-only columnTrend
Assets
Cash And Due From Banks98891015141615111313
Interest Bearing Deposits In Banks46545133831079434801117440
Federal Funds Sold--0000003-0-
Cash And Cash Equivalents At Carrying Value5562594293123108509912187-
Available For Sale Securities Debt Securities653658654630590596602622605610619592
Loans Receivable Held For Sale Net Not Part Of Disposal Group010111100000
Notes Receivable Gross-----------849
Financing Receivable Deferred Income-----------1-
Notes Receivable Net
Investment Owned Restricted Cost-----2222111
Financing Receivable Before Allowance For Credit Loss And Fee1,0159961,0001,0171,0111,004989---857-
Financing Receivable Allowance For Credit Losses-10-10-10-11-10-10-10-10-11-9-9-10
Notes Receivable Net1,0059869891,0061,000993978991979854848839
Property Plant And Equipment Net181818201818171615111111
Real Estate Acquired Through Foreclosure----------01
Interest Receivable777767677666
Goodwill111111111111111111666
Intangible Assets Net Excluding Goodwill111222222---
Bank Owned Life Insurance494949484848474747444443
Other Assets343636363837403743353440
Assets1,8331,8291,8251,8021,8071,8361,8121,7851,8091,6891,6551,592
Liabilities And Stockholders Equity
Noninterest Bearing Deposit Liabilities Domestic313303313313306301290296296284281303
Interest Bearing Deposit Liabilities Domestic862867854794852879865820868838822789
Deposits Savings Deposits140145143141140179143176177176178185
Time Deposits315315318315329299347310304240223188
Deposits1,6291,6301,6271,5621,6281,6581,6451,6031,6451,5381,5041,465
Federal Home Loan Bank Advances Long Term---50--------
Interest Payable Current And Noncurrent122221123311
Other Liabilities1010111099912139910
Liabilities1,6401,6421,6401,6231,6381,6681,6551,6171,6601,5501,5151,476
Preferred Stock Value--------0000
Stockholders Equity
Common Stock Value222222222222222222777
Retained Earnings Accumulated Deficit208208203202197200196198196200198198
Accumulated Other Comprehensive Income Loss Net Of Tax-38-42-40-44-50-54-62-52-68-68-65-90
Stockholders Equity192187185179169167156168149139141116
Liabilities And Stockholders Equity1,8331,8291,8251,8021,8071,8361,8121,7851,8091,6891,6551,592
Preferred Stock No Par Value000000000000
Preferred Stock Shares Authorized555555555555
Preferred Stock Shares Issued000000000000
Preferred Stock Shares Outstanding000000000000
Common Stock Par Or Stated Value Per Share1.251.251.251.251.251.251.251.251.251.251.251.25
Common Stock Shares Authorized101010101010101010101010
Common Stock Shares Issued666666666666
Shares Outstanding666666666666

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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. NATIONAL BANKSHARES INC (NKSH)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-12. Based on that filing, NATIONAL BANKSHARES INC carries a market cap of $231.20M, a P/E ratio of 11.38x, a P/B ratio of 1.20x, a P/S ratio of 27.42x, an enterprise value of $176.64M, and an EV/EBITDA multiple of -7.35x. On profitability, it posts a gross margin of -219.95%, an operating margin of 293.34%, a net margin of 240.85%, a Return on Equity (ROE) of 11.25%, and a Return on Invested Capital (ROIC) of -19.39%. Per share, it reports EPS of $3.19, diluted EPS of $3.19, free cash flow per share of $2.89, and a dividend per share of $1.53. Over the trailing year, it posted revenue growth of 11.84% year-over-year, net income growth of 80.05% year-over-year, and EPS growth of 79.90% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.51x, free cash flow of $18.42M (TTM), and net debt of $-54.56M. Figures sourced from SEC EDGAR.

Market Cap
$231.20M
P/E TTM
11.38x
EPS TTM
$3.19
P/B TTM
1.20x
ROE TTM
11.25%
Free Cash Flow TTM
$18.42M
Net Revenue TTM Growth 1Y
11.84%

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 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.

When was NATIONAL BANKSHARES INC (NKSH)'s most recent SEC filing?

NATIONAL BANKSHARES INC (NKSH)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-12.

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 is NKSH's EPS (earnings per share)?

NATIONAL BANKSHARES INC (NKSH)'s trailing twelve month EPS is $3.19 as of 2026-06-30.

What is NKSH's ROE (return on equity)?

NATIONAL BANKSHARES INC (NKSH)'s trailing twelve month Return on Equity (ROE) is 11.25% as of 2026-06-30.

What is NKSH's ROIC (return on invested capital)?

NATIONAL BANKSHARES INC (NKSH)'s trailing twelve month Return on Invested Capital (ROIC) is -19.39% as of 2026-06-30.

What is NKSH's EV/EBITDA?

NATIONAL BANKSHARES INC (NKSH)'s trailing twelve month EV/EBITDA is -7.35x as of 2026-06-30.

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