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Upturn AI SWOT - About
NKSH 
National Bankshares Inc (NKSH)
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Upturn Advisory Summary
09/12/2025: 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 -15.1% | Avg. Invested days 31 | 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 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 191.93M USD | Price to earnings Ratio 16.75 | 1Y Target Price 34.5 |
Price to earnings Ratio 16.75 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 1 | Beta 0.67 | 52 Weeks Range 23.08 - 31.80 | Updated Date 09/14/2025 |
52 Weeks Range 23.08 - 31.80 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 5.05% | 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 16.75 | Forward PE 11.63 | Enterprise Value 100610336 | Price to Sales(TTM) 3.85 |
Enterprise Value 100610336 | Price to Sales(TTM) 3.85 | ||
Enterprise Value to Revenue 3.83 | 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 headquartered in Blacksburg, Virginia. Founded in 1893 as The Bank of Blacksburg, it has grown through organic expansion and acquisitions to serve Southwest Virginia and other areas. The company has maintained a community banking focus throughout its history.
Core Business Areas
- Community Banking: Provides a range of banking services including deposit accounts, loans, and other financial products to individuals and small businesses.
- Wealth Management: Offers wealth management and trust services to individuals and families.
- Mortgage Services: Provides mortgage lending services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a bank holding company, with regional bank divisions reporting to the corporate headquarters.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is not readily available at the national level for specific loan types from National Bankshares Inc, but competition includes larger national banks and regional banks.
- Residential Mortgages: Mortgages for residential properties. Again, specific market share data is difficult to obtain, but competitors include Wells Fargo, Bank of America, and other mortgage lenders.
- Deposit Accounts: Checking, savings, and money market accounts. Market share depends on geographic footprint and competes with all banking institutions.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, competition from fintech companies, and fluctuating interest rates. Consolidation is also a continuing trend.
Positioning
National Bankshares Inc. is positioned as a community bank focused on serving the needs of its local market. Its competitive advantages include strong customer relationships and local market expertise.
Total Addressable Market (TAM)
The TAM for banking services in the regions National Bankshares Inc. serves is substantial, but highly fragmented. National Bankshares Inc. holds a fraction of this TAM focused on strong ties to the locality of its current branch presence.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Strong capital base
Weaknesses
- Limited geographic reach
- Smaller size compared to national banks
- Dependence on local economy
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growing wealth management business
Threats
- Increased competition from larger banks
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BANC
- PBCT
- CASH
Competitive Landscape
National Bankshares Inc. competes primarily with other community and regional banks. Its advantages include local expertise and customer service. Disadvantages include limited scale and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is based on past financial performance.
Future Projections: Future projections are based on analyst estimates.
Recent Initiatives: Recent strategic initiatives are based on press releases and investor presentations.
Summary
National Bankshares Inc. is a community-focused bank that benefits from strong customer relationships and local market expertise. Its smaller size and limited geographic reach could hinder growth compared to its larger competitors. Opportunities exist in digital banking and wealth management. It is vulnerable to the competitive banking environment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary.
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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