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NKSH logo NKSH
Upturn stock ratingUpturn stock rating
NKSH logo

National Bankshares Inc (NKSH)

Upturn stock ratingUpturn stock rating
$27.2
Last Close (24-hour delay)
Profit since last BUY0.7%
upturn advisory
Consider higher Upturn Star rating
BUY since 15 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Upturn Advisory Summary

06/30/2025: NKSH (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$34.5Target price
Low$23.08
Current$27.2
high$31.64

Analysis of Past Performance

Type Stock
Historic Profit -23.41%
Avg. Invested days 22
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 173.79M USD
Price to earnings Ratio 19.71
1Y Target Price 34.5
Price to earnings Ratio 19.71
1Y Target Price 34.5
Volume (30-day avg) 1
Beta 0.58
52 Weeks Range 23.08 - 31.64
Updated Date 06/30/2025
52 Weeks Range 23.08 - 31.64
Updated Date 06/30/2025
Dividends yield (FY) 5.37%
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 19.71
Forward PE 11.63
Enterprise Value 51835752
Price to Sales(TTM) 3.76
Enterprise Value 51835752
Price to Sales(TTM) 3.76
Enterprise Value to Revenue 3.63
Enterprise Value to EBITDA -
Shares Outstanding 6363370
Shares Floating 6092247
Shares Outstanding 6363370
Shares Floating 6092247
Percent Insiders 3.44
Percent Institutions 33.27

Analyst Ratings

Rating 1
Target Price 34.5
Buy -
Strong Buy 1
Buy -
Strong Buy 1
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

National Bankshares Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.