NKSH Company Profile and Key Details

Q: Who are the executives of NKSH?

Ms. Shelby EvansVice President of ComplianceMs. Lara E. RamseyExecutive Vice President & Chief Operating OfficerMr. Joseph W. BeurySenior Vice President & Trust OfficerMr. David K. SkeensSenior Vice President and Sr. Operations, Risk & Technology OfficerMr. Patrick LammSenior Vice President of Credit Admin.Mr. F. Brad DenardoChairman, Pres & Chief Executive OfficerMs. Lora M. JonesTreasurer & Chief Financial OfficerMr. Paul M. MylumExecutive Vice President & Chief Lending Officer of The National Bank of Blacksburg

NASDAQ : NKSH

National Bankshares

$36.85

-0.17-0.46%

Open: 2:19 PM

70.16

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

National Bankshares, Inc. (NKSH) stock declined over -0.46%, trading at $36.85 on NASDAQ, down from the previous close of $37.02. The stock opened at $37.01, fluctuating between $36.54 and $37.27 in the recent session.

Stock Snapshot

37.02

Prev. Close

234.68M

Market Cap

36.535

Day Low

14.8

P/E Ratio

2.49

EPS (TTM)

2.43

Cash Flow per Share

37.01

Open

6.37M

Number of Shares

37.27

Day High

95.81%

Free Float in %

23.86

Book Value

20.16K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Apr 22, 2026	37.40	37.87	36.86	37.02	32.82K
Apr 21, 2026	38.13	38.36	37.12	37.35	61.04K
Apr 20, 2026	37.60	38.16	37.52	38.01	100.61K
Apr 17, 2026	37.18	38.12	36.90	37.69	149.47K
Apr 16, 2026	37.05	37.10	36.46	36.61	71.47K
Apr 14, 2026	37.11	37.25	36.41	37.06	75.39K
Apr 13, 2026	37.13	37.42	36.85	37.10	70.9K
Apr 10, 2026	37.86	37.86	37.03	37.23	66.15K
Apr 09, 2026	37.08	38.04	36.96	37.76	170.59K
Apr 08, 2026	37.66	37.85	37.15	37.21	70.79K
Apr 07, 2026	36.61	36.87	36.40	36.67	97.67K
Apr 06, 2026	36.25	36.72	36.20	36.60	92.88K
Apr 02, 2026	36.00	37.09	35.78	36.38	101.72K
Apr 01, 2026	36.48	37.30	36.20	36.34	49.97K
Mar 31, 2026	36.49	36.80	36.06	36.41	43.45K
Mar 30, 2026	35.93	36.16	35.60	35.96	42.02K
Mar 27, 2026	35.76	36.10	35.40	35.60	20.89K
Mar 25, 2026	36.69	37.00	36.20	36.31	21.25K
Mar 24, 2026	36.50	37.13	36.34	36.43	57.88K
Mar 23, 2026	36.55	37.20	36.44	36.76	32.2K

Contact Details

Blacksburg, VA 24062-9002

United States

https://www.nationalbankshares.com 540 951 6300

About Company

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 and agricultural, commercial real estate, residential real estate, home equity, and various consumer loan products, 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. It operates 23 branch offices, a loan production office, and 22 automated teller machines in Southwest Virginia. National Bankshares, Inc. was founded in 1891 and is headquartered in Blacksburg, Virginia.

Stock Peers

FCNCA

-8.05-0.39%

First Citizens BancShares, Inc.$2,045.85 HIFS

1.02+0.35%

Hingham Institution for Savings$290.80 CATC

Cambridge Bancorp$220.00 BPOP

-0.3-0.20%

Popular, Inc.$148.30 WTFC

-2.37-1.58%

Wintrust Financial Corporation$147.89 BFC

-0.84-0.60%

Bank First Corporation$138.99 BOKF

0.91+0.68%

BOK Financial Corporation$135.04 CHCO

-0.95-0.76%

City Holding Company$124.38 UMBF

-0.36-0.29%

UMB Financial Corporation$122.68 NBN

-1.15-0.94%

Northeast Bank$121.21

Company Overview

National Bankshares, Inc. (NASDAQ:NKSH) closed at $36.85 USD, losing -$0.17 (-0.46%) from the previous close of $37.02. The stock is currently mid-range between its 52-week high and low $24.74 and $40.00. With a market capitalization of about $234.68 million, National Bankshares, Inc. is classified as a micro-cap and shows lower-than-market volatility (beta ~0.62). Key stats such as the average daily volume over the past year has been around 37.44 thousand shares, volume is running light vs its 52-week average. Headquartered in Blacksburg, VA, National Bankshares, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Lara E. Ramsey, the company employs approximately 245 people and listed since December 01, 1999. 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.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 0.97%, SMA50 7.37%, SMA200 25.53%). The stock’s 14-day RSI is 63.8 (firm momentum), while the ATR of 0.87 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -4.24% below its high and over 61.28% above its low. Average 10-day trading volume of 80.24 thousand shares is significantly above the 3-month average of 36.97 thousand, indicating heightened recent market interest.

Valuation Metrics

National Bankshares, Inc. trades at a P/E ratio of 15.01, slightly below the S&P 500 average, with a price-to-sales ratio of 2.79 and a price-to-book ratio of 1.28 suggesting the stock is closer to book value. The P/FCF stands at 13.62, also below market averages.

Dividend & Fair Value

National Bankshares, Inc. last paid a dividend of 1.51 per share, this equals a trailing yield of roughly 4.86%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $27.85. This means the shares are trading above this model’s fair value.

Earnings & Analyst Outlook

National Bankshares, Inc. generated EPS of $2.48 over the past year. Five-year average earnings growth is 0.06%. The latest quarter delivered EPS of $0.69. The next quarter is forecast at $nan. Next year's EPS is expected at -$15.64. National Bankshares, Inc. earnings surprise history is frequent misses against expectations. The quarter that ended October 23, 2025, missed forecasts by 4.55%. The prior quarter beat by -4.69%. Over the last six quarters, Apple has recorded several small beats. These include -19.06% in October 24, 2024.

Shareholding & Insider Activity

National Bankshares, Inc. has 6.37 million shares outstanding. The public float is 6.09 million shares, elevated short interest at 1.24% of float. This equals 76.23 thousand shares. The short ratio is 6.38 days. Institutional investors hold 38.37% of the float. Insiders own 3.31%. Green Charles E III holds 49.14 thousand shares, BALL LAWRENCE J has 23.17 thousand shares and DENARDO F BRAD has 18.22 thousand shares. Over the past six months, insider transactions show net buying. They sold 0.00 shares across 0 transactions.

Financial & Profitability Overview

Over the trailing twelve months, National Bankshares generated $68.19M in revenue, or $11.58 per share. Gross margin was 96.46%, operating margin 87.54%, and net profit margin 23.01%. Returns are modest, with ROA at 0.95% and ROE at 11.17%.
On valuation metrics, National Bankshares trades at a P/E of 15.01, P/S of 2.79 and P/B of 1.28. The current ratio is 1203.84 and quick ratio is 1203.84. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 8.60 days. Debt-to-equity is 0.01, supported by a cash flow-to-debt ratio of 8.78.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, National Bankshares posted revenue of $68.19M, down slightly from $59.43M in the prior quarter. Gross profit was $65.78M (margin 96.46%). Operating income was $59.69M (margin 87.5%). Net income was$15.69M (EPS $2.66).
The company ended the quarter with $631.57M in cash and short-term investments, a total debt of $1.13M, and net debt of - $85.48M. Total assets were $1.66B, with equity of $140.52M. Financials further reflected stability, with operating cash flow of $15.82M, free cash flow of $14.33M, and capital expenditures of - $1.49M.

Price Forecast & Outlook

Our AI price prediction model suggests that National Bankshares, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 3.0%, with price expected at $38.13 by May 06, 2026, within a range of $37.61 to $38.64 3-Month Outlook: Projected rise of 49.62%, reaching $55.39 by July 21, 2026, with a range of $54.20 to $56.61. 1-Year Outlook: Projected gain of 7.16%, with price at $39.67 by April 22, 2027, within a range of $38.33 to $41.21.

Key Takeaways

National Bankshares, Inc. (NASDAQ:NKSH) shares are flat 0.57% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows National Bankshares, Inc. trading at a premium to the broader market with a P/E of 15.01. Analyst sentiment is bullish, with the majority of ratings in Buy territory and a mean price target of $33.75, suggesting -8.83% downside. Our AI forecast model points to short-term strength (3.0% over two weeks), a medium-term rise (49.62% over three months), and a longer-term gain (7.16% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current National Bankshares, Inc. (NKSH) stock price?

National Bankshares, Inc. (NASDAQ: NKSH) stock price is $36.85 in the last trading session. During the trading session, NKSH stock reached the peak price of $37.27 while $36.54 was the lowest point it dropped to. The percentage change in NKSH stock occurred in the recent session was -0.46% while the dollar amount for the price change in NKSH stock was - $0.17.

NKSH's industry and sector of operation?

The NASDAQ listed NKSH is part of Banks - Regional industry that operates in the broader Financial Services sector. National Bankshares, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of NKSH?

Ms. Shelby Evans
Vice President of Compliance
Ms. Lara E. Ramsey
Executive Vice President & Chief Operating Officer
Mr. Joseph W. Beury
Senior Vice President & Trust Officer
Mr. David K. Skeens
Senior Vice President and Sr. Operations, Risk & Technology Officer
Mr. Patrick Lamm
Senior Vice President of Credit Admin.
Mr. F. Brad Denardo
Chairman, Pres & Chief Executive Officer
Ms. Lora M. Jones
Treasurer & Chief Financial Officer
Mr. Paul M. Mylum
Executive Vice President & Chief Lending Officer of The National Bank of Blacksburg

How NKSH did perform over past 52-week?

NKSH's closing price is 49.64% higher than its 52-week low of $24.74 where as its distance from 52-week high of $40.00 is -7.45%.

How many employees does NKSH have?

Number of NKSH employees currently stands at 245.

Link for NKSH official website?

Official Website of NKSH is: https://www.nationalbankshares.com

How do I contact NKSH?

NKSH could be contacted at phone 540 951 6300 and can also be accessed through its website. NKSH operates from 101 Hubbard Street, Blacksburg, VA 24062-9002, United States.

How many shares of NKSH are traded daily?

NKSH stock volume for the day was 20.16K shares. The average number of NKSH shares traded daily for last 3 months was 37.44K.

What is the market cap of NKSH currently?

The market value of NKSH currently stands at $234.68M with its latest stock price at $36.85 and 6.37M of its shares outstanding.

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Employees	245
Beta	0.62
Sales or Revenue	$68.19M
5Y Sales Change%	0.581%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

NKSH Company Profile and Key Details

National Bankshares

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Technical Performance

Shareholding & Insider Activity

Earnings & Analyst Outlook

Company Overview

Dividend & Fair Value

Financial & Profitability Overview

Quarterly Financial Highlights

Valuation Metrics

Key Takeaways

Price Forecast & Outlook