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Upturn AI SWOT - About
NKSH 
National Bankshares Inc (NKSH)
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Upturn Advisory Summary
07/11/2025: 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 -17.16% | Avg. Invested days 24 | 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 07/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 188.86M USD | Price to earnings Ratio 21.32 | 1Y Target Price 34.5 |
Price to earnings Ratio 21.32 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 1 | Beta 0.58 | 52 Weeks Range 23.08 - 31.64 | Updated Date 07/11/2025 |
52 Weeks Range 23.08 - 31.64 | Updated Date 07/11/2025 | ||
Dividends yield (FY) 5.39% | 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 21.32 | Forward PE 11.63 | Enterprise Value 51835752 | Price to Sales(TTM) 4.09 |
Enterprise Value 51835752 | Price to Sales(TTM) 4.09 | ||
Enterprise Value to Revenue 3.96 | Enterprise Value to EBITDA - | Shares Outstanding 6363370 | Shares Floating 6092247 |
Shares Outstanding 6363370 | Shares Floating 6092247 | ||
Percent Insiders 3.44 | Percent Institutions 33.27 |
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 Farmers National Bank of Blacksburg, it evolved through mergers and acquisitions to become National Bankshares, Inc., expanding its footprint across Southwest Virginia.
Core Business Areas
- Community Banking: Provides traditional banking services including checking and savings accounts, loans, and other financial products to individuals, small businesses, and commercial clients.
- Wealth Management: Offers investment management, trust services, and financial planning to individuals and businesses.
- Insurance Services: Provides insurance products to individuals and businesses.
Leadership and Structure
The company is led by a Board of Directors and an executive management team. The organizational structure includes various departments responsible for banking operations, lending, wealth management, and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for working capital, expansion, and equipment financing. Market share information is difficult to pinpoint specifically for National Bankshares, but it competes with larger regional and national banks. Competitors include Truist, Wells Fargo, and Bank of America.
- Residential Mortgages: Offers mortgage loans for home purchases and refinancing. Competition in this space is fierce, with numerous local and national lenders. Competitors include regional banks, credit unions, and online mortgage lenders.
- Wealth Management Services: Provides financial planning and investment management services. Competitors include large brokerage firms like Edward Jones and Raymond James, as well as other local wealth management companies.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex landscape, including rising interest rates, increased regulatory scrutiny, and evolving customer expectations. Digital banking and fintech innovations are rapidly transforming the industry.
Positioning
National Bankshares Inc. positions itself as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantages lie in its established relationships within Southwest Virginia and its ability to provide customized financial solutions.
Total Addressable Market (TAM)
The TAM for banking services in Southwest Virginia, where National Bankshares is primarily concentrated, can be estimated in the billions of dollars annually. The bank is positioned to capture a share of this market through its community focus and local market knowledge.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Community-focused approach
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Potential for higher operating costs
- Dependence on regional economy
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking services
- Growth in wealth management business
- Strategic acquisitions of smaller institutions
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in Southwest Virginia
- Rising interest rates impacting loan demand
- Increased regulatory burdens
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Bank of America (BAC)
- Wells Fargo & Company (WFC)
Competitive Landscape
National Bankshares Inc. faces competition from larger national banks and smaller regional institutions. Its competitive advantage lies in its local market knowledge and personalized service. Disadvantages stem from limited resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: National Bankshares Inc.'s historical growth has been steady, driven by organic growth and strategic acquisitions. Performance is correlated to the local economy.
Future Projections: Future growth is projected to be moderate, driven by expansion into new markets and increased adoption of digital banking services. Growth is also expected in wealth management division.
Recent Initiatives: Recent initiatives may include investments in technology, branch expansions, or new product launches. Need current data to know latest initiatives.
Summary
National Bankshares Inc is a community-focused bank with a strong presence in Southwest Virginia. Its personalized service and local expertise are key strengths. The bank faces competition from larger national players and potential economic headwinds but has opportunities to expand into new markets and adopt digital technologies. Future growth is projected to be moderate but steady.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data is based on publicly available information and may not be current.
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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