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: $29.33 to $30.28
• 50-Day Range: $27.11 to $31.60
• 52-Week Range: $23.75 to $32.89
• Volume: 26,764 shs
• Average Volume: 12,290 shs
• Market Capitalization: $189.77 million
• P/E Ratio: 16.84
• Dividend Yield: 4.90%
• Price Target: $38.00
• Consensus Rating: Buy

National Bankshares Stock Analysis - MarketRank™

National Bankshares scored higher than 96% of companies evaluated by MarketBeat, and ranked 80th out of 958 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: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

National Bankshares has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.

Upside Potential

National Bankshares has a consensus price target of $38.00, representing about 27.5% upside from its current price of $29.81.

Amount of Analyst Coverage

National Bankshares has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 15.74%

Earnings Growth

Earnings for National Bankshares are expected to grow by 15.74% in the coming year, from $2.35 to $2.72 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of National Bankshares is 16.84, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.39.

Price to Earnings Ratio vs. Sector

The P/E ratio of National Bankshares is 16.84, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 244.65.

Price to Book Value per Share Ratio

National Bankshares has a P/B Ratio of 1.21. 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

1.21% 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 5.6.

Change versus previous month

Short interest in National Bankshares has recently decreased by 6.99%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

National Bankshares is a leading dividend payer. It pays a dividend yield of 4.88%, 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 82.49%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, National Bankshares will have a dividend payout ratio of 53.68% next year. This indicates that National Bankshares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.8 / 5
• Environmental Score: -0.22

Percentage of Shares Shorted

1.21% 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 5.6.

Change versus previous month

Short interest in National Bankshares has recently decreased by 6.99%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

National Bankshares has a news sentiment score of 1.84. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.08 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for National Bankshares this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 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

Only 3.18% of the stock of National Bankshares is held by insiders.

Percentage Held by Institutions

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

NKSH Stock Analysis - Frequently Asked Questions

How have NKSH shares performed this year?

National Bankshares' stock was trading at $28.71 at the start of the year. Since then, NKSH shares have increased by 3.8% and is now trading at $29.81.

How were National Bankshares' earnings last quarter?

National Bankshares, Inc. (NASDAQ:NKSH) issued its quarterly earnings data on Wednesday, August, 13th. The bank reported $0.61 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.64 by $0.03. The bank earned $15.98 million during the quarter. National Bankshares had a net margin of 13.58% and a trailing twelve-month return on equity of 7.69%.

Who are National Bankshares' major shareholders?

Top institutional shareholders of National Bankshares include Brandes Investment Partners LP (2.80%), Geode Capital Management LLC (2.42%), Fourthstone LLC (1.32%) and Cerity Partners LLC (0.38%). Insiders that own company stock include Charles E Green III, Lawrence J Ball, F Brad Denardo, John Elliott Dooley, Alan Jeffrey Sweet, Norman V Fitzwater III, Mary G Miller, Michael E Dye, Mildred R Johnson, Lutheria H Smith, Bobby D Sanders II and Lara E Ramsey.
View institutional ownership trends.

How do I buy shares of National Bankshares?

Shares of NKSH stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of National Bankshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that National Bankshares investors own include JPMorgan Chase & Co. (JPM), Tesla (TSLA), Advanced Micro Devices (AMD), Home Depot (HD), NVIDIA (NVDA), Meta Platforms (META) and Walmart (WMT).

Company Calendar

• Last Earnings: 8/13/2025
• Today: 9/15/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

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: N/A

Price Target and Rating

• Average Price Target for National Bankshares: $38.00
• High Price Target: $38.00
• Low Price Target: $38.00
• Potential Upside/Downside: +26.0%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.77
• Trailing P/E Ratio: 17.04
• Forward P/E Ratio: 12.83
• P/E Growth: N/A
• Net Income: $7.62 million
• Net Margins: 13.58%
• Pretax Margin: 16.21%
• Return on Equity: 7.69%
• Return on Assets: 0.70%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.68
• Quick Ratio: 0.67

Sales & Book Value

• Annual Sales: $50.05 million
• Price / Sales: 3.84
• Cash Flow: $2.17 per share
• Price / Cash Flow: 13.88
• Book Value: $24.59 per share
• Price / Book: 1.23

Miscellaneous

• Outstanding Shares: 6,366,000
• Free Float: 6,164,000
• Market Cap: $191.97 million
• Optionable: Not Optionable
• Beta: 0.75