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Upturn AI SWOT - About
NKSH 
National Bankshares Inc (NKSH)
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Upturn Advisory Summary
04/22/2025: NKSH (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -5.86% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 164.87M USD | Price to earnings Ratio 18.78 | 1Y Target Price 34.5 |
Price to earnings Ratio 18.78 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 11899 | Beta 0.58 | 52 Weeks Range 23.08 - 31.64 | Updated Date 06/19/2025 |
52 Weeks Range 23.08 - 31.64 | Updated Date 06/19/2025 | ||
Dividends yield (FY) 5.63% | Basic EPS (TTM) 1.38 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.79% | Operating Margin (TTM) 33.55% |
Management Effectiveness
Return on Assets (TTM) 0.49% | Return on Equity (TTM) 5.66% |
Valuation
Trailing PE 18.78 | Forward PE 11.63 | Enterprise Value 43633404 | Price to Sales(TTM) 3.57 |
Enterprise Value 43633404 | Price to Sales(TTM) 3.57 | ||
Enterprise Value to Revenue 3.45 | Enterprise Value to EBITDA - | Shares Outstanding 6363370 | Shares Floating 6093201 |
Shares Outstanding 6363370 | Shares Floating 6093201 | ||
Percent Insiders 3.44 | Percent Institutions 33.27 |
Analyst Ratings
Rating 5 | Target Price 34.5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
National Bankshares Inc
Company Overview
History and Background
National Bankshares, Inc. (NKSH) is a bank holding company headquartered in Blacksburg, Virginia. Founded in 1893 as The Bank of Blacksburg, it has grown through acquisitions and organic expansion to serve Southwest Virginia and Northwest North Carolina. Over the years, it has evolved from a local community bank to a regional financial institution.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and small businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers investment management, trust services, and financial planning to individuals and institutions.
- Mortgage Services: Provides residential mortgage lending services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments responsible for different aspects of the business, such as lending, operations, and marketing. The Board of Directors provides oversight and strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, such as expansion, working capital, and equipment purchases. The market is competitive with numerous national and regional banks and credit unions. NKSH competes with Truist (TFC), Wells Fargo (WFC), and Bank of America (BAC).
- Residential Mortgages: Loans to individuals for the purchase of homes. Competitors include national mortgage lenders and other regional banks. NKSH competes with Rocket Companies (RKT), UWM Holdings (UWMC), and PennyMac Financial Services (PFSI).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include other banks and credit unions. NKSH competes with Capital One Financial Corporation (COF), Ally Financial (ALLY), and Discover Financial Services (DFS).
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes. The industry is currently facing challenges related to rising interest rates and potential economic slowdown, and increasing regulatory scrutiny.
Positioning
National Bankshares Inc. is a regional bank focusing on community banking and wealth management. Its competitive advantage lies in its local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for community banking in Southwest Virginia and Northwest North Carolina is estimated to be several billion dollars. National Bankshares Inc. is positioned to capture a portion of this market through its branch network and service offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Diversified revenue streams
- Experienced management team
- Healthy capital levels
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on local economy
- Higher cost structure
Opportunities
- Expanding into new markets within the region
- Increasing wealth management services
- Acquiring smaller banks or credit unions
- Leveraging technology to improve efficiency
Threats
- Competition from larger banks and credit unions
- Economic downturn
- Rising interest rates
- Increasing regulatory burden
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Wells Fargo & Company (WFC)
- Bank of America Corporation (BAC)
Competitive Landscape
National Bankshares Inc. competes with larger national and regional banks. Its advantage lies in its local presence and customer relationships, while its disadvantage is its limited geographic reach and scale.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: National Bankshares Inc. has experienced moderate growth in recent years, driven by organic expansion and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased wealth management services.
Recent Initiatives: Recent strategic initiatives include expanding the branch network, investing in technology, and enhancing wealth management services.
Summary
National Bankshares, Inc. demonstrates a stable financial position with consistent profitability and a moderate growth trajectory. It benefits from strong local relationships and a healthy capital base. The company should focus on increasing its market share and technology adoption amidst competition and regulatory pressures to sustain its growth in the long term.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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 & Chairman Mr. F. Brad Denardo | ||
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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