National Bankshares, Inc. (NKSH) is a Financials stock trading at $41.15 (as of 2026-08-21), with a market capitalization of $262.15M and a trailing P/E of 12.9. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
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.
National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg, offering retail and commercial banking by taking customer deposit accounts and providing loan products to individuals, businesses, non-profits, and local governments.
Its profit model is driven by how effectively it funds a portfolio of loan products (commercial and consumer categories) using its customer deposit accounts (demand, money market, savings, CDs, and retirement accounts).
Business quality (Strong): Clear core business model (deposits funding loans) and a small local footprint (28 branches/full-service offices), but reported scale and operating results need careful interpretation for retail investors.
Valuation: At 14× earnings, NKSH trades 8% above the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $41.15 |
| Market Cap | $262.15M |
| P/E Ratio | 12.9 |
| EV / EBITDA | 8.0 |
| Price / Book | 1.36 |
| Price / Sales | 30.87 |
| FCF Yield | 7.0% |
| DCF Value (model) | $46.10 |
| DCF Upside vs Price | 12.0% |
| Revenue (TTM) | $8.18M |
| Net Margin | 193.6% |
| Revenue Growth (YoY) | 13.4% |
| EPS Growth (YoY) | 119.4% |
| FCF Growth (YoY) | 118.0% |
| Stock P/E | 12.9 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 13.0 |
| vs Sector | -14.5% |
| vs Industry | -0.5% |
| Top Institutional Holder | BlackRock, Inc. ($16.06M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Lara E. Ramsey |
| Employees | 245 |
| Country | US |
| IPO Date | 1999-12-01 |
Data as of 2026-08-21.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.