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Upturn AI SWOT - About
NKSH 
National Bankshares Inc (NKSH)
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Upturn Advisory Summary
08/28/2025: 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 -11.02% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 199.51M USD | Price to earnings Ratio 17.41 | 1Y Target Price 34.5 |
Price to earnings Ratio 17.41 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 1 | Beta 0.64 | 52 Weeks Range 23.08 - 31.80 | Updated Date 08/29/2025 |
52 Weeks Range 23.08 - 31.80 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 4.78% | Basic EPS (TTM) 1.8 |
Earnings Date
Report Date - | When - | Estimate - | 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 17.41 | Forward PE 11.63 | Enterprise Value 109833744 | Price to Sales(TTM) 4.01 |
Enterprise Value 109833744 | Price to Sales(TTM) 4.01 | ||
Enterprise Value to Revenue 4.02 | Enterprise Value to EBITDA - | Shares Outstanding 6366000 | Shares Floating 6094766 |
Shares Outstanding 6366000 | 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 that provides community banking services. Founded in 1893, it has evolved through acquisitions and organic growth to serve southwest Virginia.
Core Business Areas
- Commercial Banking: Offers loan and deposit services to businesses, including commercial real estate, equipment financing, and working capital loans.
- Retail Banking: Provides checking and savings accounts, mortgages, consumer loans, and other personal financial services to individuals and families.
- Wealth Management: Offers investment management, trust services, and financial planning to high-net-worth individuals and institutions.
Leadership and Structure
The company is led by a Board of Directors and an executive management team. Its organizational structure is typical of a bank holding company, with various departments overseeing lending, operations, technology, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes; market share is estimated to be around 4% in its primary service area of Southwest Virginia. Competitors include larger regional and national banks like Truist and Bank of America.
- Residential Mortgages: Mortgages to individuals and families; market share estimated around 3% in its primary service area. Competitors include Wells Fargo, Rocket Mortgage and other local and regional lenders.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Estimated market share 5% in primary service area. Competitors include all banking institutions.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, facing challenges from fintech companies and a changing interest rate environment.
Positioning
National Bankshares Inc. positions itself as a community bank, emphasizing local relationships and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in Southwest Virginia is estimated to be in the billions of dollars. National Bankshares Inc. captures a small but significant portion of this market through its community-focused strategy.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Experienced management team
- Customer loyalty
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller size compared to national competitors
- Potential technology infrastructure limitations
- Dependence on local economy
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking services
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan quality
- Changes in regulatory environment
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- TRU
- BAC
- USB
Competitive Landscape
National Bankshares Inc. faces significant competition from larger national and regional banks but differentiates itself through its community focus and personalized service.
Major Acquisitions
First Community Bank
- Year: 2018
- Acquisition Price (USD millions): 120
- Strategic Rationale: Expanded market presence and customer base in a neighboring county.
Growth Trajectory and Initiatives
Historical Growth: Growth data would be available from financial reports.
Future Projections: Analyst projections are not available for this data
Recent Initiatives: Recent initiatives include technology upgrades and branch renovations.
Summary
National Bankshares Inc. is a community bank with a strong local presence, but it faces competition from larger banks and fintech firms. Its strengths lie in its customer relationships and local expertise. Future growth will depend on its ability to adapt to changing technology and economic conditions, while the company will have to mitigate potential economic downtowns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates (hypothetical, for demonstration only)
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share and financial data are either estimated or unavailable and presented for illustrative purposes.
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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