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Upturn AI Summary - About
National Bankshares Inc(NKSH)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NKSH
11/12/2026: NKSH (2-star) is currently NOT-A-BUY. Pass it for now.
National Bankshares Inc is a regional bank holding company based in Virginia, known for its conservative lending practices and established local market presence. The stock is best suited for income-focused, long-term investors attracted by its history of consistent dividend payments. While the company benefits from strong community loyalty, its primary growth challenges include geographic concentration and intense competition from large national banks with superior digital resources. Investors should monitor the company's progress on digital modernization and its sensitivity to local economic fluctuations. Overall, it serves as a stable, dividend-paying play within the regional banking sector, though it lacks the high-growth profile of larger institutions.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company focuses on steady, conservative growth rather than rapid capital appreciation. |
| Momentum investor | Weak fit | The stock typically exhibits low volatility and lacks the high trading volume characteristic of momentum plays. |
| Value investor | Mixed fit | The stock may offer value if trading at a discount to book value, though liquidity is limited. |
| Dividend investor | Strong fit | The company's history of consistent dividend payments makes it attractive for income-focused portfolios. |
| Low-risk investor | Strong fit | The conservative business model and community-based banking focus align with lower-risk preferences. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock is generally less volatile than the broader market. |
| Valuation risk | Medium | Valuation is often tied to book value, which can be affected by the interest rate environment. |
| Competition risk (regional banking competition) | High | Significant pressure from larger banks with more resources limits growth potential. |
| Business quality | Medium | The business model is solid but restricted by geographic concentration. |
| Dividend income | Medium | Dividend sustainability depends on consistent net interest margins. |
| Execution risk | Medium | Management must navigate interest rate risks and maintain local market dominance. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 13.21% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/12/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Sector & Industry Intelligence
Sector snapshot as of 2026-11-10
Sector
Financial Services
- Signal
- Constructive
- Sentiment
- Bullish
- Market state
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 47.5%
- Active BUY / eligible
- 56 / 118
- 22-session BUY-count change
- +41
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 47.4%
- Active BUY / eligible
- 18 / 38
- 22-session BUY-count change
- +17
The sector signal does not change this stock’s BUY, SELL, or PASS advisory.
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 252.34M USD | Price to earnings Ratio 11.79 | 1Y Target Price 46.75 |
Price to earnings Ratio 11.79 | 1Y Target Price 46.75 | ||
Volume (30-day avg) 25.6K shares | Beta 0.54 | 52 Weeks Range 27.04 - 45.99 | Updated Date 11/11/2026 |
52 Weeks Range 27.04 - 45.99 | Updated Date 11/11/2026 | ||
Dividends yield (FY) 3.83% | Basic EPS (TTM) 3.36 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank earns the difference between the interest it collects from borrowers and the interest it pays to savers. |
| Non-Interest Income | Fees from wealth management, trust services, and banking transactions. | Additional revenue generated from service fees helps diversify the bank's income stream. |
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.98 | Actual 0.86 |
Profitability
Profit Margin 34.07% | Operating Margin (TTM) 43.51% |
Management Effectiveness
Return on Assets (TTM) 1.19% | Return on Equity (TTM) 12.03% |
Valuation
Trailing PE 11.79 | Forward PE 11.63 | Enterprise Value 239.95M | Price to Sales(TTM) 4.02 |
Enterprise Value 239.95M | Price to Sales(TTM) 4.02 | ||
Enterprise Value to Revenue 4.34 | Enterprise Value to EBITDA - | Shares Outstanding 6.37M | Shares Floating 6.16M |
Shares Outstanding 6.37M | Shares Floating 6.16M | ||
Percent Insiders 3.34 | Percent Institutions 39.23 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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