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National Bankshares(NASDAQ) NKSH

Market Cap$268.17MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1993)+903%
5 Year+46%
1 Year+59%
1 Month+18%
$41.93
+0.55%
+0.23Today
After hours$42.03+$0.10 (+0.24%)
National Bankshares last closing stock price
MetricPriceDate
Last closeUSD 42.112026-08-07
National Bankshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.72%USD 40.602026-07-31
1 month+18.45%USD 35.552026-07-08
3 month+14.83%USD 36.672026-05-08
Year to date+28.29%USD 32.822025-12-31
1 year+58.53%USD 26.562025-08-07
3 year+65.27%USD 25.482023-08-08
5 year+45.76%USD 28.892021-08-06
Since inception+903.28%USD 4.201993-04-15

National Bankshares Financials at a Glance

Market Cap

$268.17MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$72.18M

Net Income (TTM)

$20.31M

EPS (TTM)

$3.19

P/E Ratio

13.20

Dividend

$1.53

Beta (Volatility)

0.46 (Low)

Price

$41.93

Volume

38,164

Open

$41.68

Previous Close

$42.11

Daily Range

$39.24 - $42.33

52-Week Range

$27.00 - $42.49

Estimated Earnings Date

Oct 22, 2026

NKSH News

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About National Bankshares

National Bankshares helps families and small businesses in Southwest Virginia manage their money. The company offers everyday tools like checking accounts, savings plans, and home loans. It also provides specialized services for local governments and non-profit groups.

The Banking Toolkit

  • Personal and Business Banking: Interest-bearing and non-interest accounts, including savings, health savings accounts, and certificates of deposit for local clients.
  • Real Estate Financing: Loans for home purchases, residential construction projects, and commercial buildings.
  • Consumer and Business Credit: Lending options ranging from auto loans and credit cards to commercial and agricultural lines of credit.
  • Wealth and Trust Services: Management of estates and trusts alongside non-deposit investment and insurance products for long-term financial planning.

Recent Moves and Tech Shifts

  • Completed a core system conversion during the second quarter of 2025 to modernize internal bank operations.
  • Announced the sale of its membership interest in Bearing Insurance Group, LLC on May 1, 2026.
  • Expects to record a pre-tax gain of approximately $6.6 million from the insurance unit sale in the second quarter of 2026.
  • Refocused business strategy on core regional banking activities through the divestiture of non-core insurance assets.

Local Presence and Modern Tech

National Bankshares operates 28 office locations and a loan production office to serve the Southwest Virginia region. The bank recently completed a major technology transition to modernize its core operations and improve digital efficiency.

Performance by the Numbers

  • Net income hit $5.0 million in Q1 2026, up 53.9% from $3.2 million in Q1 2025.
  • Operating income reached $6.0 million in Q1 2026, up 55.0% from $3.9 million in Q1 2025.
  • Total revenue grew to $21.6 million in Q1 2026, up 4.2% from $20.8 million in Q1 2025.
  • Net interest margin, which measures the profitability of interest-generating activities as a percentage of assets, rose to 2.98% in Q1 2026 from 2.40% in Q1 2025.

Steady Hands in Local Banking

National Bankshares has successfully moved through a major technology transition while improving its core lending profitability. The bank is currently streamlining its business by exiting its insurance unit to focus on regional banking operations.

AI Generated • May 19, 2026

Industry

Banks

Sector

Financials

Employees

254

CEO

Lara E. Ramsey

Website

www.nationalbankshares.com

Headquarters

Blacksburg, VA 24062-9002, US

NKSH Financials

Key Financial Metrics (TTM)

Gross Margin

63.39%

Operating Margin

17.47%

Net Income Margin

28.14%

Return on Equity

10.92%

Return on Capital

10.37%

Return on Assets

1.11%

Earnings Yield

7.58%

Dividend Yield

3.63%

Payout Ratio

24.45%

Stock Overview

Market Cap

$268.17MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

6.37M

Volume

38.16K

Avg. Volume

32.02K

Financials (TTM)

Gross Profit

$45.76M

Operating Income

$12.61M

EBITDA

$13.38M

Operating Cash Flow

$16.56M

Capital Expenditure

$845.00K

Free Cash Flow

$17.40M

Cash & ST Invst.

$661.51M

Total Debt

$0.00

National Bankshares Performance Analysis

National Bankshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 62,480,00017.0%
20232023-12-31USD 68,192,0009.1%
20242024-12-31USD 79,081,00016.0%
20252025-12-31USD 85,315,0007.9%
National Bankshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-303.0%
Q42025-12-313.5%
Q12026-03-31-2.6%
Q22026-06-30-68.0%
National Bankshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.3331.9%
20232023-12-31USD 2.66-38.5%
20242024-12-31USD 1.24-53.6%
20252025-12-31USD 2.49101.1%
National Bankshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3091.7%
Q42025-12-3133.3%
Q12026-03-31-15.2%
Q22026-06-301.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$6.92M

-66.8%

Gross Profit

$671.00K

-94.9%

Gross Margin

9.70%

N/A

Market Cap

$268.17MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.06M

N/A

Employees

254

N/A

Net Income

$5.03M

+119.7%

EBITDA

-$6.45M

-314.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$661.51M

-3.1%

Total Debt

$0.00

N/A

Accounts Receivable

$7.03M

+9.6%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

1.11%

N/A

Return on Invested Capital

6.21%

N/A

Free Cash Flow

$0.00

-100.0%

Operating Cash Flow

$0.00

-100.0%

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Questions About NKSH

What is the current price of National Bankshares?

National Bankshares is trading at $42.11 per share.

What is the 52-week range for National Bankshares?

Over the past 52 weeks, National Bankshares has traded between $27.00 and $42.49.

How much debt does National Bankshares have?

As of the most recent reporting period, National Bankshares reported total debt of $1.91M.

How much cash does National Bankshares have on hand?

National Bankshares does not have cash on hand data available.

What is National Bankshares’s dividend yield?

National Bankshares currently has a dividend yield of 3.63%.

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