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NKSH 
National Bankshares Inc (NKSH)
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Upturn Advisory Summary
01/08/2026: NKSH (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -13.43% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/08/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 216.44M USD | Price to earnings Ratio 16.59 | 1Y Target Price 34.5 |
Price to earnings Ratio 16.59 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 1 | Beta 0.65 | 52 Weeks Range 22.49 - 35.00 | Updated Date 01/8/2026 |
52 Weeks Range 22.49 - 35.00 | Updated Date 01/8/2026 | ||
Dividends yield (FY) 4.63% | Basic EPS (TTM) 2.05 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.06% | Operating Margin (TTM) 40.87% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 7.51% |
Valuation
Trailing PE 16.59 | Forward PE 11.63 | Enterprise Value 225630080 | Price to Sales(TTM) 4.16 |
Enterprise Value 225630080 | Price to Sales(TTM) 4.16 | ||
Enterprise Value to Revenue 3.96 | Enterprise Value to EBITDA - | Shares Outstanding 6366001 | Shares Floating 6099537 |
Shares Outstanding 6366001 | Shares Floating 6099537 | ||
Percent Insiders 3.49 | Percent Institutions 36.33 |
Upturn AI SWOT
National Bankshares Inc
Company Overview
History and Background
National Bankshares Inc. is a bank holding company founded in 1997, headquartered in Vienna, West Virginia. It operates through its wholly-owned subsidiary, The First Banking Company (FBCO), which was established in 1996. The company has grown organically and through strategic acquisitions within its geographic footprint. Its primary focus is on serving individuals and businesses in the Mid-Ohio Valley region.
Core Business Areas
- Community Banking: The primary business segment involves providing a full range of banking products and services, including checking and savings accounts, commercial and consumer loans, mortgages, and wealth management services to individuals and businesses.
- Investment Services: Offers investment and brokerage services through its subsidiary, National Bankshares Securities, Inc.
Leadership and Structure
National Bankshares Inc. operates as a bank holding company. Its leadership team includes key executives responsible for overseeing its banking and investment operations. The organizational structure is centered around its subsidiary, The First Banking Company, which handles the day-to-day banking operations.
Top Products and Market Share
Key Offerings
- Consumer Deposit Accounts: Includes checking, savings, money market, and certificate of deposit accounts. Competitors include other regional and national banks, as well as credit unions. Specific market share data for this product line is not publicly detailed, but it forms a core part of customer relationships.
- Commercial and Industrial Loans: Provides loans to small and medium-sized businesses for working capital, equipment financing, and expansion. Competitors include other community banks, regional banks, and SBA loan providers. This segment is crucial for revenue generation.
- Mortgage Lending: Offers residential mortgage loans. Competitors include national mortgage lenders, other banks, and mortgage brokers. This product helps attract and retain customers.
- Wealth Management Services: Includes investment advice, brokerage services, and trust services. Competitors include independent financial advisors, large brokerage firms, and trust departments of larger banks.
Market Dynamics
Industry Overview
The U.S. banking industry is highly competitive and regulated. It is characterized by a mix of large national banks, regional banks, and community banks. Key trends include digital transformation, evolving customer expectations for convenience, interest rate sensitivity, and ongoing regulatory compliance. The economic health of local communities significantly impacts performance.
Positioning
National Bankshares Inc. positions itself as a community-focused bank offering personalized service and deep local market knowledge. Its competitive advantages lie in its established customer relationships, local decision-making, and commitment to the Mid-Ohio Valley region. It competes by offering a blend of traditional banking services with some modern conveniences.
Total Addressable Market (TAM)
The TAM for community banking services in the Mid-Ohio Valley and similar regions is substantial, encompassing deposits and loan origination for individuals and businesses. National Bankshares Inc. aims to capture a significant portion of this local TAM through its targeted services and customer-centric approach. Specific TAM figures are not readily available, but it is a localized market.
Upturn SWOT Analysis
Strengths
- Strong local market presence and customer loyalty in the Mid-Ohio Valley.
- Experienced management team with deep understanding of the local economy.
- Personalized customer service approach differentiates from larger institutions.
- Solid capital base allowing for continued lending and investment.
Weaknesses
- Limited geographic diversification, making it susceptible to regional economic downturns.
- Smaller scale compared to national and larger regional banks, potentially limiting technological investment or product breadth.
- Reliance on traditional banking channels might hinder adoption of fully digital banking experiences.
- Brand recognition outside its core market is minimal.
Opportunities
- Expansion into adjacent geographic areas or new service lines.
- Leveraging technology to enhance digital banking offerings and operational efficiency.
- Strategic acquisitions to increase market share or expand service capabilities.
- Capitalizing on potential consolidation in the community banking sector.
Threats
- Intensifying competition from larger banks, fintech companies, and credit unions.
- Changes in interest rate environment impacting net interest margins.
- Increasing regulatory burden and compliance costs.
- Economic recessions or significant downturns in the regional economy.
- Cybersecurity risks and data breaches.
Competitors and Market Share
Key Competitors
- WesBanco Inc. (WSBC)
- United Bancorp Inc. (UBCP)
- Premier Financial Corp. (PFC)
Competitive Landscape
National Bankshares Inc. competes in a fragmented market. Its advantages are its deep local roots and customer service. Disadvantages include its smaller scale, which can limit its ability to invest in cutting-edge technology or compete on price with larger institutions. Competitors like WesBanco have a larger geographic footprint and broader product offerings.
Growth Trajectory and Initiatives
Historical Growth: National Bankshares Inc.'s historical growth has likely been characterized by consistent, albeit modest, expansion of its loan portfolio and deposit base, primarily driven by organic growth and its strategy of serving the Mid-Ohio Valley. Acquisitions, if any, would also contribute to this growth.
Future Projections: Future growth projections would depend on macroeconomic forecasts for its operating region, interest rate expectations, and the company's strategic initiatives. Analyst estimates, if available, would provide insights into expected revenue and earnings growth. Community banks typically project modest, sustainable growth.
Recent Initiatives: Recent initiatives might include investments in digital banking platforms, new product development, enhanced cybersecurity measures, or targeted marketing campaigns to attract new customers and retain existing ones. The company may also be evaluating strategic partnerships or potential small-scale acquisitions.
Summary
National Bankshares Inc. is a stable community bank with a strong local presence, leveraging personalized service to compete effectively. Its core banking services are well-established, and it has opportunities for growth through digital enhancement and potential expansion. However, it faces threats from larger competitors and economic downturns, requiring careful management of its niche market position.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Websites (e.g., National Bankshares Inc. SEC Filings)
- Financial Data Providers (e.g., Yahoo Finance, MarketWatch)
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Users should conduct their own due diligence before making any investment decisions. Market share data and competitor information are estimates based on general industry knowledge and may not be exact.
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.
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