National Bankshares (NKSH) Stock Price, News & Analysis

Company Overview

National Bankshares, Inc. is a Virginia-based bank holding company headquartered in Reston. Through its primary subsidiaries, National Bank of Blacksburg and The Bank of Giles and Montgomery, the company offers a full suite of community banking services to individuals, small businesses and nonprofit organizations.

The company’s core activities include deposit-taking, consumer and commercial lending, mortgage origination and servicing, trust and wealth management, and electronic banking platforms. By combining traditional relationship-based banking with digital delivery channels, National Bankshares aims to meet the diverse financial needs of clients across southwestern Virginia.

Tracing its roots to a community bank established in Blacksburg more than a century ago, National Bankshares now operates branch offices in markets such as Blacksburg, Christiansburg and Pearisburg. Guided by a board of directors composed of local and industry professionals and managed by an experienced executive team, the company remains focused on supporting regional economic development and delivering personalized service within its communities.

Key Stats

• Today's Range: $35.30 to $35.75
• 50-Day Range: $34.00 to $37.71
• 52-Week Range: $27.00 to $40.00
• Volume: 6,725 shs
• Average Volume: 33,704 shs
• Market Capitalization: $226.84 million
• P/E Ratio: 12.95
• Dividend Yield: 4.21%
• Price Target: N/A
• Consensus Rating: Hold

National Bankshares Stock Analysis - MarketRank™

National Bankshares scored higher than 51% of companies evaluated by MarketBeat, and ranked 597th out of 869 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.4 / 5
• Analyst Rating: Hold

Consensus Rating

National Bankshares has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

National Bankshares has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 3.08%

Earnings Growth

Earnings for National Bankshares are expected to grow by 3.08% in the coming year, from $3.25 to $3.35 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of National Bankshares is 12.93, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.24.

Price to Earnings Ratio vs. Sector

The P/E ratio of National Bankshares is 12.93, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.49.

Price to Book Value per Share Ratio

National Bankshares has a P/B Ratio of 1.23. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.91% of the float of National Bankshares has been sold short.

Short Interest Ratio / Days to Cover

National Bankshares has a short interest ratio ("days to cover") of 2.33, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in National Bankshares has recently decreased by 4.48%, indicating that investor sentiment is improving.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

National Bankshares is a leading dividend payer. It pays a dividend yield of 4.22%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

National Bankshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of National Bankshares is 54.55%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, National Bankshares will have a dividend payout ratio of 44.78% next year. This indicates that National Bankshares will be able to sustain or increase its dividend.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 0.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, National Bankshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

3.32% of the stock of National Bankshares is held by insiders.

Percentage Held by Institutions

29.73% of the stock of National Bankshares is held by institutions.

Company Calendar

• Last Earnings: 4/23/2026
• Record date for 6/1 Dividend: 5/26/2026
• Ex-Dividend for 6/1 Dividend: 5/26/2026
• Dividend Payable: 6/01/2026
• Today: 7/10/2026
• Next Earnings (Estimated): 7/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:NKSH
• CIK: 796534
• Web: www.nationalbankshares.com
• Phone: (540) 951-6300
• Fax: 540-951-6324
• Employees: 220
• Year Founded: 1909

Profitability

• EPS (Trailing Twelve Months): $2.75
• Trailing P/E Ratio: 12.95
• Forward P/E Ratio: 10.96
• P/E Growth: N/A
• Net Income: $15.83 million
• Net Margins: 20.39%
• Pretax Margin: 24.73%
• Return on Equity: 10.38%
• Return on Assets: 1.03%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.65
• Quick Ratio: 0.65

Sales & Book Value

• Annual Sales: $85.32 million
• Price / Sales: 2.66
• Cash Flow: $2.73 per share
• Price / Cash Flow: 13.04
• Book Value: $29.05 per share
• Price / Book: 1.23

Miscellaneous

• Outstanding Shares: 6,370,000
• Free Float: 6,157,000
• Market Cap: $226.84 million
• Optionable: Not Optionable
• Beta: 0.62