National Bankshares Financials

NKSH Stock  USD 28.57  0.28  0.97%   
Based on the key indicators related to National Bankshares' liquidity, profitability, solvency, and operating efficiency, National Bankshares is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March. As of now, National Bankshares' Common Stock Shares Outstanding is decreasing as compared to previous years. The National Bankshares' current Total Liabilities is estimated to increase to about 1.8 B, while Total Assets are projected to decrease to under 1.1 B. Key indicators impacting National Bankshares' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.550.38
Way Up
Slightly volatile
Return On Assets0.01550.0109
Significantly Up
Slightly volatile
Return On Equity0.130.1117
Fairly Up
Pretty Stable
Debt Equity Ratio0.01760.0092
Way Up
Slightly volatile
Operating Income30 M21.5 M
Significantly Up
Very volatile
Current Ratio52.2955.04
Notably Down
Pretty Stable
The essential information of the day-to-day investment outlook for National Bankshares includes many different criteria found on its balance sheet. An individual investor should monitor National Bankshares' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in National Bankshares.

Net Income

14.64 Million

  

National Bankshares Stock Summary

National Bankshares competes with Finward Bancorp, Community West, First Financial, Oak Valley, and Home Federal. National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg that provides retail and commercial banking products and services to individuals, businesses, non-profits, and local governments. National Bankshares, Inc. was founded in 1891 and is headquartered in Blacksburg, Virginia. Natl Bankshares operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 221 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS6348651091
CUSIP634865109
LocationVirginia; U.S.A
Business Address101 Hubbard Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.nationalbankshares.com/overview/defaul
Phone540 951 6300
CurrencyUSD - US Dollar

National Bankshares Key Financial Ratios

National Bankshares Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.5B1.7B1.7B1.7B1.9B1.1B
Net Debt(131.9M)(137.2M)(70.0M)(86.6M)(77.9M)(81.8M)
Retained Earnings189.5M188.2M199.1M198.0M227.7M129.7M
Cash133.9M138.8M71.4M86.6M99.6M70.2M
Other Assets271.4M170.6M270.2M9.8M11.2M10.7M
Net Receivables5.0M5.1M6.0M6.3M7.3M5.6M
Total Current Assets685.6M830.0M734.3M86.6M99.6M94.6M
Common Stock8.0M7.6M7.4M7.4M6.7M6.8M
Other Current Liab251K197K148K(1.8M)(2.0M)(1.9M)
Short Term Debt354K363K293K360K311.4K295.8K
Other Liab15.9M19.9M15.8M10.6M12.2M9.2M
Inventory(148.7M)(152.5M)(85.7M)(637.9M)(574.1M)(545.4M)
Other Current Assets148.7M152.5M85.7M100.6M90.5M86.0M
Net Tangible Assets177.9M194.8M185.9M116.8M134.4M179.3M
Capital Stock8.0M7.6M7.4M7.4M6.7M6.3M

National Bankshares Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense5.8M3.1M3.1M21.6M19.4M20.4M
Total Revenue46.1M50.3M59.4M47.9M55.1M40.7M
Gross Profit42.3M46.8M56.4M43.0M49.4M38.3M
Operating Income19.2M24.6M34.8M18.7M21.5M30.0M
Ebit19.2M24.6M31.8M18.7M21.5M29.9M
Ebitda19.9M25.3M32.4M19.4M17.5M22.7M
Income Before Tax19.2M24.6M31.8M18.7M21.5M18.7M
Net Income16.1M20.4M25.9M15.7M18.0M14.6M
Income Tax Expense3.1M4.3M5.8M3.0M3.4M4.1M
Cost Of Revenue3.8M3.6M3.0M4.9M4.4M6.2M
Tax Provision3.1M4.3M5.8M4.3M4.9M4.7M
Net Interest Income38.2M41.9M47.0M41.8M48.0M43.7M
Interest Income44.0M45.0M50.1M57.3M65.9M50.1M

National Bankshares Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash2.9M(4.4M)(67.4M)15.2M13.7M14.3M
Free Cash Flow12.0M22.6M28.2M14.0M16.1M16.2M
Depreciation708K636K609K754K678.6K1.2M
Other Non Cash Items(5.2M)(270K)1.9M1.8M1.6M1.7M
Dividends Paid9M8.8M9.0M14.8M17.0M17.9M
Capital Expenditures1.8M323K1.3M1.5M1.3M861.4K
Net Income16.1M20.4M25.9M15.7M18.0M14.6M
End Period Cash Flow13.1M8.8M71.4M86.6M99.6M104.6M
Investments(177.6M)(217.4M)(108.9M)61.5M55.4M58.2M
Change Receivables137K875K(76K)(897K)(807.3K)(766.9K)
Change To Netincome(1.6M)(2.2M)(911K)245K220.5K280.1K

National Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining National Bankshares's current stock value. Our valuation model uses many indicators to compare National Bankshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across National Bankshares competition to find correlations between indicators driving National Bankshares's intrinsic value. More Info.
National Bankshares is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for National Bankshares is roughly  11.83 . As of now, National Bankshares' Return On Equity is increasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the National Bankshares' earnings, one of the primary drivers of an investment's value.

National Bankshares Systematic Risk

National Bankshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. National Bankshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-one with a total number of output elements of fourty. The Beta measures systematic risk based on how returns on National Bankshares correlated with the market. If Beta is less than 0 National Bankshares generally moves in the opposite direction as compared to the market. If National Bankshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one National Bankshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of National Bankshares is generally in the same direction as the market. If Beta > 1 National Bankshares moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in National Bankshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various National Bankshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of National Bankshares growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.34)

As of now, National Bankshares' Price Earnings To Growth Ratio is decreasing as compared to previous years.

National Bankshares February 16, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of National Bankshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of National Bankshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of National Bankshares based on widely used predictive technical indicators. In general, we focus on analyzing National Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build National Bankshares's daily price indicators and compare them against related drivers.

Complementary Tools for National Stock analysis

When running National Bankshares' price analysis, check to measure National Bankshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy National Bankshares is operating at the current time. Most of National Bankshares' value examination focuses on studying past and present price action to predict the probability of National Bankshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move National Bankshares' price. Additionally, you may evaluate how the addition of National Bankshares to your portfolios can decrease your overall portfolio volatility.
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