YOLFTbeta
National Bankshares Inc

National Bankshares Inc

NKSH · NASDAQ · Financial Services / Banks - Regional

39.25USD-0.34 (-0.86%)

Price History

Full chart

Market Stats

Previous Close39.59
Open39.34
Day Range38.68 – 39.75
52-Week Range25.74 – 43.31
Volume24.00K
Market Cap271.04M
P/E (TTM)13.34
Forward P/E11.63
EPS3.19
Dividend Yield3.54%
Beta0.53
50-Day Avg41.10
200-Day Avg37.29

About

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, 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Lara E. Ramsey
  • Employees245
  • Headquarters101 Hubbard Street, Blacksburg, VA, United States, 24062-9002, USA
  • Websitehttps://www.nationalbankshares.com

Leadership

  • Ms. Lara E. RamseyCEO, President & Director · b. 1969
  • Ms. Lora M. Jones CPAExecutive VP, CFO & Treasurer · b. 1978
  • Mr. David K. SkeensExecutive VP & COO · b. 1967
  • Mr. F. Brad DenardoConsultant · b. 1953
  • Ms. Shelby M. EvansVice President of Compliance
  • Mr. Patrick LammSenior Vice President of Credit Administration
  • Mr. Joseph W. BeurySenior VP & Trust Officer
  • Mr. Bobby D. Sanders IISVP & Chief Credit Officer · b. 1980
  • Mr. Jason PospichalExecutive VP & Chief Lending Officer
  • Lori Baker-LloydCorporate Secretary

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue8.75M16.06M16.38M35.00M37.10M42.44M50.73M48.46M47.27M48.63M52.99M56.70M59.53M59.20M59.29M55.19M55.95M55.05M52.35M50.47M49.71M48.05M48.90M50.95M53.94M51.95M53.41M62.51M68.19M79.08M85.31M
Growth (%)-+83.58%+1.96%+113.74%+6.00%+14.39%+19.54%-4.48%-2.46%+2.89%+8.96%+7.00%+4.98%-0.56%+0.16%-6.92%+1.38%-1.62%-4.90%-3.58%-1.51%-3.35%+1.77%+4.21%+5.86%-3.68%+2.81%+17.03%+9.09%+15.97%+7.88%
Cost of Revenue6.97M13.37M13.54M14.50M15.60M19.49M24.18M18.02M13.94M12.31M14.75M18.61M22.17M19.94M17.46M14.57M12.13M11.02M7.49M6.54M6.19M5.82M4.28M4.97M7.51M7.83M2.70M3.79M20.29M34.95M29.74M
Gross Profit1.78M2.69M2.83M20.50M21.50M22.95M26.55M30.44M33.32M36.32M38.25M38.14M37.36M39.26M41.83M40.62M43.82M43.98M44.86M43.93M43.52M42.23M44.61M45.99M46.43M44.12M50.71M58.72M47.90M44.13M55.58M
Gross Margin20.31%16.77%17.31%58.57%57.95%54.07%52.34%62.82%70.50%74.68%72.17%67.26%62.76%66.32%70.55%73.60%78.31%79.90%85.70%87.04%87.54%87.89%91.24%90.25%86.08%84.93%94.95%93.94%70.25%55.80%65.15%
Operating Expense-2.51M-5.76M-6.22M11.10M11.80M12.88M16.95M17.43M18.65M20.34M21.90M21.72M20.96M22.02M23.85M20.83M20.93M20.99M21.75M21.84M22.94M23.34M24.23M27.28M25.75M24.97M26.08M26.96M29.23M35.01M36.41M
Operating Income4.29M8.46M9.06M9.40M9.70M10.07M9.60M13.02M14.68M15.98M16.35M16.42M16.41M17.24M17.98M19.79M22.89M22.99M23.11M22.09M20.57M18.89M20.39M18.71M20.68M19.15M24.63M31.76M18.68M9.12M19.17M
Operating Margin49.04%52.67%55.32%26.86%26.15%23.73%18.92%26.86%31.05%32.87%30.85%28.96%27.56%29.12%30.32%35.86%40.90%41.77%44.14%43.77%41.39%39.33%41.69%36.72%38.34%36.87%46.12%50.81%27.39%11.53%22.46%
EBITDA4.80M9.10M9.77M10.40M11.10M11.45M11.99M15.34M16.91M18.24M18.88M18.80M18.79M19.32M19.98M21.76M24.77M24.84M24.91M23.90M22.32M19.95M21.26M19.53M21.42M19.86M25.27M32.37M19.43M10.26M20.64M
EBITDA Margin54.82%56.64%59.64%29.71%29.92%26.97%23.63%31.66%35.79%37.50%35.62%33.16%31.57%32.64%33.69%39.43%44.27%45.12%47.59%47.35%44.90%41.53%43.48%38.32%39.71%38.23%47.31%51.79%28.49%12.97%24.19%
Net Income3.26M6.12M6.56M6.80M7.10M7.31M7.31M10.01M11.44M12.23M12.42M12.63M12.68M13.59M14.32M15.57M17.64M17.75M17.79M16.91M15.83M14.94M14.09M16.15M17.47M16.08M20.38M25.93M15.69M7.62M15.83M
Net Income Margin37.22%38.09%40.06%19.43%19.14%17.22%14.42%20.66%24.21%25.15%23.44%22.28%21.29%22.96%24.15%28.21%31.52%32.24%33.99%33.51%31.85%31.10%28.82%31.70%32.38%30.95%38.16%41.48%23.01%9.64%18.55%
R&D----------------00000000-------
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense6.70M13.04M13.11M13.90M14.20M18.16M22.77M15.76M12.25M11.13M14.18M18.56M21.75M18.82M15.82M11.16M9.18M7.89M5.96M4.90M4.18M4.17M4.13M5.05M7.38M5.84M3.10M3.08M21.55M33.73M29.75M
Interest Expense % of Total Revenue76.54%81.17%80.04%39.71%38.27%42.80%44.89%32.53%25.92%22.87%26.76%32.74%36.53%31.79%26.69%20.22%16.41%14.33%11.38%9.71%8.42%8.67%8.44%9.91%13.68%11.24%5.80%4.93%31.60%42.65%34.87%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets203.39M388.85M402.91M445.20M472.10M593.50M644.62M684.93M708.56M796.15M841.50M868.20M887.65M935.37M982.37M1.02B1.07B1.10B1.11B1.15B1.20B1.23B1.26B1.26B1.32B1.52B1.70B1.68B1.66B1.81B1.82B
Total Liabilities180.84M339.05M348.88M386.70M419.43M533.66M579.36M611.83M627.92M709.07M749.56M771.45M782.85M825.27M860.29M893.05M925.80M954.25M964.74M988.43M1.03B1.06B1.07B1.07B1.14B1.32B1.51B1.55B1.51B1.66B1.64B
Total Equity22.55M49.80M54.03M58.50M52.70M59.83M65.26M73.10M80.64M87.09M91.94M96.75M104.80M110.11M122.08M129.19M141.30M150.11M145.89M166.30M172.11M178.26M184.90M190.24M183.73M200.61M191.75M122.69M140.52M156.41M184.91M
Cash5.41M11.99M16.73M21.40M22.50M24.71M27.80M31.13M47.95M34.96M30.39M34.90M46.01M45.97M45.62M79.26M110.25M111.38M111.35M115.44M142.96M94.24M64.16M56.37M87.17M133.87M138.79M71.43M86.60M107.82M59.25M
Total Debt200.00K627.00K485.00K200.00K10.50M270.00K203.00K748.00K135.00K297.00K357.00K73.00K64.00K54.00K-------1.07M-1.94M2.29M2.02M1.56M1.44M1.13M1.52M2.04M
Net Debt-5.41M-11.36M-16.25M-21.20M-12.03M-24.44M-27.60M-30.39M-47.82M-34.66M-30.04M-34.83M-45.95M-45.92M-45.62M-79.26M-110.25M-111.38M-111.35M-115.44M-142.96M-94.24M-64.16M-56.37M-87.17M-133.87M-138.79M-71.43M-86.60M-107.82M-59.25M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.96M7.97M7.57M5.20M11.40M9.69M10.02M14.24M14.79M23.33M15.46M14.12M15.53M15.86M14.87M18.57M19.46M22.71M24.45M20.34M20.53M17.53M10.99M19.77M18.83M13.79M22.88M29.50M15.52M9.44M17.89M
Investing Cash Flow-5.16M-9.87M-12.69M-38.00M-36.70M-113.77M-47.99M-43.01M-27.98M-38.76M-20.04M-31.54M-20.10M-51.34M-46.74M-47.76M-45.32M-39.74M-31.44M-35.32M-49.95M-32.22M-20.19M-3.63M-61.68M-177.60M-202.54M-129.71M53.19M15.79M-39.18M
Financing Cash Flow-43.00K1.93M7.56M34.80M24.20M101.90M39.13M28.79M12.60M16.19M12.20M12.59M5.62M35.47M28.44M26.16M27.90M19.91M5.49M14.60M28.67M16.51M8.15M-16.21M40.25M166.67M175.28M32.85M-53.54M-3.71M-27.58M
Capital Expenditure284.00K882.00K1.30M1.80M2.80M2.84M921.00K805.00K1.53M1.93M1.18M881.00K321.00K351.00K330.00K728.00K725.00K769.00K276.00K459.00K663.00K634.00K261.00K1.19M1.03M1.82M323.00K1.26M1.49M3.26M2.74M
Free Cash Flow3.68M7.09M6.27M3.40M8.60M6.85M9.10M13.44M13.27M21.40M14.28M13.24M15.21M15.51M14.54M17.84M18.73M21.94M24.17M19.88M19.87M16.90M10.73M18.58M17.80M11.97M22.56M28.24M14.03M6.18M15.15M
Dividends Paid1.08M2.81M2.58M2.80M2.80M2.99M3.02M3.41M3.97M4.50M4.99M5.11M5.30M5.54M5.82M6.31M6.94M7.64M7.78M7.85M7.93M8.07M8.14M8.42M9.03M9.00M8.81M8.95M14.78M9.26M9.61M
FCF to OCF92.84%88.93%82.78%65.38%75.44%70.70%90.81%94.35%89.68%91.72%92.36%93.76%97.93%97.79%97.78%96.08%96.27%96.61%98.87%97.74%96.77%96.38%97.63%93.98%94.52%86.78%98.59%95.74%90.39%65.50%84.70%
Dividend Paid to FCF29.35%39.61%41.14%82.35%32.56%43.59%33.20%25.34%29.93%21.04%34.95%38.58%34.84%35.73%40.04%35.37%37.04%34.81%32.19%39.50%39.92%47.76%75.85%45.30%50.74%75.19%39.04%31.69%105.37%149.85%63.43%

Earnings

Report DateMar 31, 1999Sep 30, 1999May 12, 2000Aug 14, 2000Nov 13, 2000Mar 30, 2001May 30, 2001Jul 1, 2001Sep 30, 2001Feb 1, 2002Apr 17, 2002Jul 16, 2002Oct 16, 2002Jan 23, 2003Apr 16, 2003Jul 11, 2003Oct 22, 2003Jan 23, 2004Apr 16, 2004Jul 20, 2004Oct 15, 2004Jan 21, 2005Apr 15, 2005Jul 15, 2005Oct 14, 2005Jan 30, 2006Apr 20, 2006Jul 21, 2006Oct 13, 2006Feb 2, 2007Apr 19, 2007Jul 19, 2007Oct 18, 2007Feb 7, 2008Apr 17, 2008Jul 18, 2008Oct 15, 2008Feb 5, 2009Apr 15, 2009Jul 15, 2009Oct 15, 2009Feb 4, 2010Apr 15, 2010Jul 15, 2010Oct 14, 2010Feb 10, 2011Apr 14, 2011Jul 14, 2011Oct 13, 2011Feb 9, 2012Apr 12, 2012Jul 19, 2012Oct 18, 2012Feb 14, 2013Apr 18, 2013Jul 18, 2013Oct 17, 2013Feb 17, 2014Apr 24, 2014Jul 24, 2014Oct 23, 2014Feb 19, 2015Apr 23, 2015Jul 23, 2015Oct 29, 2015Feb 25, 2016Apr 28, 2016Jul 28, 2016Oct 27, 2016Feb 23, 2017Apr 27, 2017Jul 27, 2017Oct 26, 2017Feb 22, 2018Apr 26, 2018Jul 26, 2018Oct 18, 2018Jan 31, 2019Apr 18, 2019Jul 18, 2019Oct 17, 2019Jan 30, 2020Apr 23, 2020Jul 16, 2020Nov 6, 2020Feb 4, 2021Apr 22, 2021Jul 15, 2021Oct 21, 2021Feb 3, 2022Apr 21, 2022Jul 19, 2022Oct 20, 2022Feb 2, 2023Apr 20, 2023Jul 20, 2023Oct 26, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 23, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Jan 22, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate--0.260.270.270.280.270.28-0.250.270.310.340.380.370.380.390.410.440.420.420.440.450.440.450.430.440.430.450.440.450.450.450.460.470.470.490.500.480.500.510.510.540.540.560.560.560.470.610.640.630.630.630.610.650.61-------0.59-0.60-0.540.560.530.490.490.550.560.630.660.690.650.590.640.610.650.590.470.440.550.620.700.720.780.730.810.951.081.030.750.550.480.430.120.380.480.520.640.660.680.650.800.98
EPS Actual0.220.260.270.260.260.260.260.240.270.300.300.360.370.380.380.400.420.440.420.420.460.450.430.450.440.460.430.460.460.460.450.450.460.460.460.500.520.520.490.480.540.550.540.580.580.550.580.610.650.700.640.620.620.670.600.640.650.660.630.590.610.590.570.590.600.510.540.550.550.500.520.510.540.440.470.580.610.660.650.610.630.740.610.460.640.770.750.750.940.860.810.931.031.060.800.580.470.560.43-0.050.440.480.480.610.700.840.780.79-
Surprise--3.85%-3.70%-3.70%-7.14%-3.70%-14.29%-20.00%11.11%16.13%8.82%0.00%2.70%5.26%7.69%7.32%-4.55%0.00%9.52%2.27%-4.44%2.27%-2.22%6.98%-2.27%6.98%2.22%4.55%0.00%0.00%2.22%0.00%-2.13%6.38%6.12%4.00%2.08%-4.00%5.88%7.84%0.00%7.41%3.57%-1.79%3.57%29.79%6.56%9.38%1.59%-1.59%-1.59%9.84%-7.69%4.92%-------0.15%--15.00%-1.85%-1.79%-5.66%6.12%4.08%-1.82%-21.43%-25.40%-12.12%-11.59%1.54%10.17%-4.69%3.28%13.85%3.39%-2.13%45.45%40.00%20.97%7.14%30.56%10.26%10.96%14.81%8.42%-1.85%-22.33%-22.67%-14.55%16.67%0.00%-141.67%15.79%0.00%-7.69%-4.69%6.06%23.53%20.00%-1.25%-
Timing----------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hours----After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap271.04M
Enterprise Value218.16M
Trailing P/E13.34
Forward P/E11.63
PEG Ratio0.00
Price / Sales4.48
Price / Book1.38
EPS3.19
Book Value30.20
Revenue (TTM)60.56M
Gross Profit (TTM)60.56M
Profit Margin33.54%
Operating Margin41.41%
Return on Equity11.25%
Return on Assets1.12%
Shares Outstanding6.37M
Shares Float6.16M
Beta0.53
Dividend Yield3.54%
Dividend Rate1.50
Payout Ratio49.20%

Analyst Ratings

Strong Buy
Based on 1 analystsTarget 46.75
  • Strong Buy
    1

Ownership Breakdown

Institutions
37.23%
Insiders
3.34%
Retail / Other
59.43%

Top Institutional Holders

  • BlackRock Inc
    441.20K6.93%
  • Vanguard Capital Management, LLC
    269.65K4.23%
  • Geode Capital Management, LLC
    150.81K2.37%
  • Dimensional Fund Advisors, Inc.
    147.23K2.31%
  • State Street Corp
    86.08K1.35%
  • Rhino Investment Partners, Inc.
    70.35K1.10%
  • LPL Financial Corp
    52.03K0.82%
  • RBF LLC
    50.00K0.78%
  • Northern Trust Corp
    47.64K0.75%
  • Citadel Advisors Llc
    43.04K0.68%
  • Acadian Asset Management LLC
    40.95K0.64%
  • Vanguard Fiduciary Trust Co
    39.86K0.63%
  • Vanguard Portfolio Management, LLC
    35.96K0.56%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    187.91K2.95%
  • iShares Russell 2000 ETF
    174.32K2.74%
  • Brandes Small Cap Value R6
    83.58K1.31%
  • Fidelity Small Cap Index
    70.64K1.11%
  • iShares Russell 2000 Value ETF
    67.56K1.06%
  • Vanguard Russell 2000 ETF
    36.36K0.57%
  • Fidelity Extended Market Index
    33.77K0.53%

Dividends

20261×
0.75May 26, 2026
20252×
0.78Nov 24, 20250.73May 27, 2025
20242×
0.78Nov 25, 20240.73May 24, 2024
20233×
0.78Nov 17, 20230.73May 19, 20231.00Jan 20, 2023
20222×
0.78Nov 18, 20220.72May 20, 2022
20212×
0.74Nov 19, 20210.70May 21, 2021
20202×
0.72Nov 20, 20200.67May 21, 2020
20192×
0.72Nov 22, 20190.67May 24, 2019
20182×
0.63Nov 23, 20180.58May 18, 2018
20172×
0.61Nov 17, 20170.56May 18, 2017
20162×
0.61Nov 17, 20160.55May 19, 2016
20152×
0.61Nov 13, 20150.53May 21, 2015

Stock Splits

  • Apr 3, 20062:1
  • Jun 6, 199610:9