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National Bankshares

NAQ:NKSH · US6348651091
BanksX-Small

360

93
Profit price32
Cash yield95
Price/Sales35
EV / Gross Profit38
Price/Book34
Returns on capital61
Profit margins—
Cash Conversion27
Accruals52
Owner Earnings Margin67
Sales growth81
Profit Growth18
Owner Earnings Growth94
Reinvestment54
Price momentum70
Debt load68
Debt serviceability12
Liquidity54
Analyst ratings100
Opinion Changes50
Price Target Upside87
Market mood88
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

National Bankshares generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQCM
Founded1986
Websitenationalbankshares.com
ISINUS6348651091
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

National Bankshares, Inc. (NBI) operates as a financial holding company for the National Bank of Blacksburg (the bank or NBB), that provides a comprehensive range of retail and commercial banking services to individuals, businesses, non-profits, and…

Analysis

Middle-of-the-road

National Bankshares, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 13.4×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is sturdy. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
81
2023202420252026

All-time high

81

Jun 2026

All-time low

4

Mar 2026

Average rank

48

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
35
15
19
32
Price/Earnings
57
40
11
54
Price/Book
34
57
3
60
Dividend Yield
95
94
80
85
Value (overall)
54
40
16
57

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →