Is National Bankshares, Inc. (NKSH) Overvalued?
We dive into why National Bankshares, Inc. (NKSH) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
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.
Commentary & Analysis
Why National Bankshares, Inc.’s (NKSH) Stock Is Up 5.31%
As of Monday, July 27, National Bankshares, Inc.’s NKSH share price has surged by 5.31%, which has investors questioning if this is right time to sell.Michael Rose
What You Need to Know About National Bankshares, Inc.'s Q3 Earnings
National Bankshares, Inc.'s fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (NKSH) missed or beat analyst's expectations.Michael Rose
Why National Bankshares, Inc.’s (NKSH) Stock Is Up 6.85%
As of Wednesday, May 13, National Bankshares, Inc.’s NKSH share price has surged by 6.85%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why National Bankshares, Inc.’s (NKSH) Stock Is Down 5.63%
As of Monday, May 11, National Bankshares, Inc.’s NKSH share price has dipped by 5.63%, which has investors questioning if this is right time to buy.Rosalio Madrigal
Financial Summary
| Share Statistics | NKSH | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $270.9 | $673.5 | 31% |
|
| Shares Out (Mil) | 6.4 | 15.4 | 16% |
|
| Institutional Ownership | 92.0% | 84.1% | 61% |
|
| Float (Mil) | 6.2 | 21.6 | 14% |
|
| Beta | 0.53 | 0.45 | 30% |
|
| Avg Daily Volume (000s) | 33 | 44 | 25% |
|
| Price Change (52-week) |
48.7% | 90.3% | 84% |
|
| Growth | NKSH | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | 4.7% | 7.7% | 35% |
|
| Net Income (5yr) | (0.4%) | 11.1% | 39% |
|
| EPS (5yr) | 0.1% | 10.0% | 31 |
|
| Dividends (5yr) | 1.7% | 3.6% | 86% |
|
| Cash Flow (5yr) | (81.1%) | (17.1%) | 1% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | 1 | 1 | 1 | |
| Current EPS | $0.980 | $3.500 | $3.860 | |
| Month Ago EPS | $0.980 | $3.500 | $3.860 | |
| # Rev Up | 0 | 1 | 1 | |
| # Rev Down | 1 | 0 | 0 | |
| Three Months Ago EPS | $0.830 | $3.220 | $3.350 | |
| Year/Year Chg | 24.1% | 40.7% | na | |
| Financials | NKSH | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $61 | $187 | 22% |
|
| Net Income (TTM) (Mil) | $20 | $53 | 49% |
|
| EPS (TTM) | $3.192 | $2.600 | 79% |
|
| Operating Cash Flow (TTM) (Mil) | $20 | $34 | 41% |
|
| Net Cash Flow (TTM) (Mil) | ($38) | $2 | 22% |
|
| Long-Term Debt (Q1) (Mil) | $1 | $94 | 18% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | NKSH | Industry Median |
Percentile (All Stocks) |
|
| P/B | 1.41 | 1.23 | 39% |
|
| P/E | 13.3 | 12.0 | 34% |
|
| Dividend Yield | 3.5% | 2.3% | 87% |
|
| PEG (5yr hist) | 133.4 | 1.1 | 100% |
|
| Ratios | NKSH | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 63.7% | na |
|
| Net Margin | 33.5% | 29.2% | 91% |
|
| ROA | 1.1% | 1.1% | 47% |
|
| ROE | 11.3% | 11.3% | 61% |
|
| Liabilities to Assets | 89.5% | 89.7% | 85% |
|
| F-Score | 3 | 4 | 18% |
|
Passing Stock Screens
As of 10/9/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Stock Market Winners Screen
Factors: Value, Momentum, Growth
A screen that tries to interpret and apply successful trading rules in the real market environment.
| Performance Since Inception: | 14.8% |
| +/- S&P 500: | +7.3 |
