National Bankshares (NKSH) Stock Price, News & Analysis

Company Overview

National Bankshares, Inc. is a bank holding company headquartered in Blacksburg, Virginia, that provides commercial banking and financial services to individuals and businesses across Southwest Virginia and neighboring West Virginia communities. Through its primary subsidiary, National Bank of Blacksburg, the company offers a full spectrum of deposit accounts, consumer and commercial lending products, and mortgage services. The bank’s regional focus allows it to deliver personalized service and in-depth market knowledge to meet the needs of local customers, from small business owners to homeowners.

The company’s core products include checking and savings accounts, certificates of deposit, and money market accounts, complemented by a range of loan offerings including commercial real estate financing, agricultural loans, personal lines of credit, and residential mortgages. In addition, National Bankshares provides cash management solutions, merchant services, and online and mobile banking platforms that enable clients to manage accounts, transfer funds, and deposit checks remotely. Wealth management and trust services are offered through dedicated teams that assist clients with investment strategies, retirement planning, and estate administration.

Founded in 1922 as the Bank of Blacksburg, National Bankshares has grown through organic expansion and strategic branch openings to serve a broader geographic footprint while maintaining its community banking ethos. The company’s leadership team, led by its President and Chief Executive Officer and supported by a board of directors composed of regional business and civic leaders, emphasizes strong corporate governance and a commitment to local economic development.

With a long-standing heritage in community banking, National Bankshares continues to pursue a balanced growth strategy that blends traditional face-to-face banking relationships with digital banking enhancements. The company’s focus on customer service, prudent risk management, and investment in technology positions it to support the evolving financial needs of businesses and individuals in its core markets.

Key Stats

• Today's Range: $29.04 to $29.72
• 50-Day Range: $25.02 to $29.78
• 52-Week Range: $23.75 to $33.37
• Volume: 11,772 shs
• Average Volume: 12,395 shs
• Market Capitalization: $188.32 million
• P/E Ratio: 21.77
• Dividend Yield: 4.93%
• 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 60th out of 906 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.

Amount of Analyst Coverage

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

Earnings and Valuation

• Score: 2.5 / 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 21.77, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.93.

Price to Earnings Ratio vs. Sector

The P/E ratio of National Bankshares is 21.77, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.98.

Price to Book Value per Share Ratio

National Bankshares has a P/B Ratio of 1.20. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.10% 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.

Change versus previous month

Short interest in National Bankshares has recently decreased by 3.97%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

National Bankshares is a leading dividend payer. It pays a dividend yield of 5.04%, 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 107.35%. 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

1.10% 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.

Change versus previous month

Short interest in National Bankshares has recently decreased by 3.97%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.2 / 5
• News Sentiment: N/A

News Sentiment

National Bankshares has a news sentiment score of 0.17. 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 lower news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for National Bankshares this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, National Bankshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $6,591.00 in company stock and sold $0.00 in 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 beginning of 2025. Since then, NKSH shares have increased by 3.1% and is now trading at $29.61.

How were National Bankshares' earnings last quarter?

National Bankshares, Inc. (NASDAQ:NKSH) announced its quarterly earnings results on Thursday, January, 23rd. The bank reported $0.48 earnings per share for the quarter, meeting the consensus estimate of $0.48. National Bankshares had a net margin of 10.64% and a trailing twelve-month return on equity of 5.31%.

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: 1/23/2025
• Record date for 6/2 Dividend: 5/27/2025
• Ex-Dividend for 6/2 Dividend: 5/27/2025
• Dividend Payable: 6/02/2025
• Today: 7/08/2025
• Next Earnings (Estimated): 7/23/2025
• 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: +28.3%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.36
• Trailing P/E Ratio: 21.77
• Forward P/E Ratio: 12.60
• P/E Growth: N/A
• Net Income: $7.62 million
• Net Margins: 10.64%
• Pretax Margin: 12.66%
• Return on Equity: 5.31%
• Return on Assets: 0.47%

Debt

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

Sales & Book Value

• Annual Sales: $47.72 million
• Price / Sales: 3.95
• Cash Flow: $2.16 per share
• Price / Cash Flow: 13.74
• Book Value: $24.59 per share
• Price / Book: 1.20

Miscellaneous

• Outstanding Shares: 6,363,000
• Free Float: 6,161,000
• Market Cap: $188.41 million
• Optionable: Not Optionable
• Beta: 0.66