Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
NKSH 
National Bankshares Inc (NKSH)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/15/2025: NKSH (1-star) is a SELL. SELL since 4 days. Simulated Profits (2.41%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $34.5
1 Year Target Price $34.5
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.11% | Avg. Invested days 34 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 191.37M USD | Price to earnings Ratio 16.68 | 1Y Target Price 34.5 |
Price to earnings Ratio 16.68 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 1 | Beta 0.68 | 52 Weeks Range 23.08 - 31.80 | Updated Date 10/15/2025 |
52 Weeks Range 23.08 - 31.80 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 5.04% | Basic EPS (TTM) 1.79 |
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.66 | Actual - |
Profitability
Profit Margin 22.65% | Operating Margin (TTM) 22.34% |
Management Effectiveness
Return on Assets (TTM) 0.62% | Return on Equity (TTM) 7.1% |
Valuation
Trailing PE 16.68 | Forward PE 11.63 | Enterprise Value 98765656 | Price to Sales(TTM) 3.84 |
Enterprise Value 98765656 | Price to Sales(TTM) 3.84 | ||
Enterprise Value to Revenue 3.69 | Enterprise Value to EBITDA - | Shares Outstanding 6366001 | Shares Floating 6094766 |
Shares Outstanding 6366001 | Shares Floating 6094766 | ||
Percent Insiders 3.44 | Percent Institutions 33.43 |
Upturn AI SWOT
National Bankshares Inc
Company Overview
History and Background
National Bankshares, Inc. is a bank holding company headquartered in Blacksburg, Virginia. Founded in 1893 as The First National Bank of Blacksburg, it evolved through mergers and acquisitions to become National Bankshares, Inc., expanding its services and geographic reach in Southwest Virginia.
Core Business Areas
- Community Banking: Offers traditional banking services to individuals and businesses, including deposit accounts, loans, and wealth management.
- Trust and Investment Services: Provides trust administration, investment management, and financial planning services.
Leadership and Structure
The company is led by a board of directors and executive management team. A hierarchical structure exists, with different departments managing various banking functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes. Data on market share is not widely available, competition includes Truist Financial (TFC) and Bank of America (BAC).
- Mortgage Loans: Loans to individuals for home purchases. Competitors include Wells Fargo (WFC) and JPMorgan Chase (JPM).
- Deposit Accounts: Checking and savings accounts for individuals and businesses. Competition includes regional and national banks.
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate fluctuations, regulatory changes, and technological advancements, particularly in digital banking. Consolidation is ongoing.
Positioning
National Bankshares Inc. positions itself as a community bank providing personalized service. It aims to be a relationship-focused bank.
Total Addressable Market (TAM)
The TAM consists of all banking services within its geographic footprint. National Bankshares Inc. aims to capture a larger share of local deposits and loans. Hard to say what the exact market size is but could be several billions within their locations
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on traditional banking model
- Lower brand recognition outside Virginia
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from larger banks
- Economic downturns
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TFC
- BAC
- WFC
- JPM
Competitive Landscape
National Bankshares Inc. competes primarily on customer service and local market knowledge. Its disadvantage is smaller scale.
Growth Trajectory and Initiatives
Historical Growth: Analyze historical growth in loans, deposits, and assets.
Future Projections: Future projections are based on analyst forecasts and management guidance. Look for growth in key segments.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, or new product launches.
Summary
National Bankshares Inc. is a community bank with a solid regional presence and customer-focused approach. While smaller in scale, it benefits from strong local relationships. Future success hinges on adapting to digital banking trends and navigating increasing competition and economic uncertainty. It could benefit from strategic expansions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Financial News Outlets
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data is subject to change. Consult a financial professional before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About National Bankshares Inc
Exchange NASDAQ | Headquaters Blacksburg, VA, United States | ||
IPO Launch date 1999-12-01 | CEO, President, Company Secretary & Director Ms. Lara E. Ramsey | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 245 | |
Full time employees 245 | |||
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. The company accepts interest-bearing and non-interest-bearing demand deposit accounts, money market deposit accounts, savings accounts, certificates of deposit, health savings accounts, and individual retirement accounts. Its loan products include commercial non-real estate loans, including commercial and agricultural loans; commercial and consumer real estate loans; residential real estate loans; home equity loans; various consumer loans, such as credit cards, automobile, and other consumer loans; and public sector and IDA loans, as well as loans for the construction of commercial and residential properties. The company also provides business and consumer debit and credit cards; letters of credit, night depository services, safe deposit boxes, utility payment services, and automatic funds transfer; wealth management, trust, and estate services; non-deposit investment and insurance products; and telephone, mobile, and Internet banking services, as well as operates automated teller machines. The company was founded in 1891 and is headquartered in Blacksburg, Virginia.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.