National Bankshares, Inc.

National Bankshares, Inc.

NKSHยทNASDAQ

$34.00

-2.2%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$216.53M
EPS2.4900
P/E Ratio13.65
Earnings Date07/22/2026
3Y+9.0%
5Y+20.0%
10Y+48.0%
3Y+5.0%
5Y+24.0%
10Y+55.0%
3Y+51.0%
5Y-8.0%
10Y+4.0%
nksh

National Bankshares, Inc. Funding & Solvency Profile

NKSH ยท NASDAQ
Cash & Cash Equivalents59.25M
Net Receivables6.54M
Inventory0.00
Other Current Assets0.00
Total Current Assets89 M
Property, Plant & Equipment20.32M
Goodwill & Intangible Assets12.21M
Long-Term Investments1.62B
Other Non-Current Assets84.24M
Total Non-Current Assets2 B
Total Assets
1.82B

Financial Health Analysis

Current Ratio

0.05x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.87x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1539242000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

5% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

National Bankshares, Inc. Balance Sheet

NKSH โ€ข NASDAQ

National Bankshares, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
59.3M
107.8M
86.6M
71.4M
138.8M
133.9M
87.2M
56.4M
64.2M
94.2M
143M
115.4M
110.7M
111.4M
110.3M
79.3M
45.6M
46M
46M
34.9M
23.5M
33.7M
618.6M
656.9M
686.1M
546.7M
435.3M
425M
331.4M
304.3M
236.1M
222.8M
181.7M
191.5M
174.9M
0.0
0.0
0.0
0.0
0.0
82.7M
141.5M
705.2M
728.3M
824.9M
680.6M
522.4M
481.4M
395.5M
398.5M
379.1M
338.3M
294.3M
302.9M
285.2M
79.3M
45.6M
46M
46M
34.9M
6.5M
6.5M
6.3M
6M
5.1M
5M
4.3M
5.2M
5.3M
5.3M
5.8M
5.7M
5.9M
6.2M
6.3M
6M
6.3M
5.8M
5.7M
5.7M
6.5M
6.5M
6.3M
6M
5.1M
5M
4.3M
5.2M
5.3M
5.3M
5.8M
5.7M
5.9M
6.2M
6.3M
6M
6.3M
5.8M
5.7M
5.7M
89.3M
148M
711.5M
734.3M
830M
685.6M
526.7M
486.5M
400.8M
403.8M
384.9M
344M
300.3M
309.1M
291.5M
85.3M
51.9M
51.7M
51.7M
40.6M
NON-CURRENT ASSETS
20.3M
16.9M
11.1M
10.4M
9.7M
10M
8.9M
8.6M
8.2M
8.9M
9M
9.1M
10M
10.4M
10.4M
10.5M
10.6M
11.2M
12M
12.7M
10.7M
10.7M
5.8M
5.8M
5.8M
5.8M
5.8M
5.8M
5.8M
5.8M
5.8M
5.8M
5.8M
5.8M
5.8M
0.0
0.0
0.0
0.0
0.0
1.5M
1.9M
0.0
0.0
0.0
0.0
0.0
0.0
50K
118K
376K
1.4M
2.5M
3.5M
4.6M
6M
6.3M
5.8M
5.7M
5.7M
12.2M
12.6M
5.8M
5.8M
5.8M
5.8M
5.8M
5.8M
5.9M
6M
6.2M
7.2M
8.3M
9.4M
10.5M
11.5M
12.6M
13.7M
14.8M
16M
1.6B
1.5B
848M
844.5M
796.2M
761.2M
727.5M
702.5M
787.6M
774.9M
763.4M
758.9M
752.7M
747.1M
727M
887.1M
880.6M
835M
792M
781.8M
84.2M
87.7M
78.9M
82.5M
60.4M
57M
52.9M
52.5M
54.2M
40.5M
40M
35.4M
40.6M
30M
27.8M
27.8M
26.7M
23.7M
17.1M
17.2M
1.7B
1.7B
943.9M
943.3M
872.2M
834M
795.1M
769.5M
855.9M
830.2M
818.7M
810.7M
811.6M
796.9M
775.6M
937M
930.5M
883.6M
835.9M
827.6M
1.8B
1.8B
1.7B
1.7B
1.7B
1.5B
1.3B
1.3B
1.3B
1.2B
1.2B
1.2B
1.1B
1.1B
1.1B
1B
982.4M
935.4M
887.6M
868.2M
LIABILITIES
CURRENT LIABILITIES
1.6M
1.5M
1.4M
106K
48K
56K
144K
89K
62K
55K
56K
68K
92K
139K
206K
257K
336K
655K
792K
863K
1.6M
1.5M
1.4M
106K
48K
56K
144K
89K
62K
55K
56K
68K
92K
139K
206K
257K
336K
655K
792K
863K
1.6B
1.6B
1.5B
1.5B
1.5B
1.3B
1.1B
1.1B
1.1B
1B
1B
982.4M
960M
946.8M
919.3M
884.6M
852.1M
817.8M
776.3M
764.7M
1.6B
1.6B
1.5B
1.5B
1.5B
1.3B
1.1B
1.1B
1.1B
1B
1B
982.5M
960.1M
946.9M
919.5M
884.8M
852.4M
818.5M
777.1M
765.6M
NON-CURRENT LIABILITIES
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
54K
64K
73K
0.0
0.0
0.0
0.0
0.0
0.0
-751K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
11.1M
9M
9.5M
12M
15.8M
21.9M
18.2M
13.8M
12.1M
12.2M
12.5M
5.9M
4.6M
7.3M
6.3M
8.2M
7.8M
6.7M
5.7M
5.8M
11.1M
9M
9.5M
12M
15.8M
21.9M
18.2M
13.8M
12.1M
12.2M
12.5M
5.9M
4.6M
7.3M
6.3M
8.2M
7.8M
6.8M
5.7M
5.9M
0.0
0.0
0.0
0.0
0.0
0.0
2.3M
1.6M
0.0
779K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6B
1.7B
1.5B
1.6B
1.5B
1.3B
1.1B
1.1B
1.1B
1.1B
1B
988.4M
964.7M
954.3M
925.8M
893.1M
860.3M
825.3M
782.8M
771.4M
SHAREHOLDERS' EQUITY
22M
21.8M
7.4M
7.4M
7.6M
8M
8.1M
8.7M
8.7M
8.7M
8.7M
8.7M
8.7M
8.7M
8.7M
8.7M
8.7M
8.7M
8.7M
8.7M
202.6M
196.3M
198M
199.1M
188.2M
189.5M
184.1M
193.6M
185.9M
178.2M
171.4M
163.3M
154.2M
144.2M
133.9M
123.2M
113.9M
105.4M
97.8M
91.1M
-39.7M
-61.8M
-64.9M
-83.8M
-4.1M
3M
-8.5M
-12.1M
-9.7M
-8.7M
-7.9M
-5.7M
-17M
-2.7M
-1.3M
-2.6M
-492K
-3.9M
-1.7M
-3.1M
184.9M
156.4M
140.5M
122.7M
191.8M
200.6M
183.7M
190.2M
184.9M
178.3M
172.1M
166.3M
145.9M
150.1M
141.3M
129.2M
122.1M
110.1M
104.8M
96.8M
184.9M
156.4M
140.5M
122.7M
191.8M
200.6M
183.7M
190.2M
184.9M
178.3M
172.1M
166.3M
145.9M
150.1M
141.3M
129.2M
122.1M
110.1M
104.8M
96.8M
SUMMARY
1.8B
1.8B
1.7B
1.7B
1.7B
1.5B
1.3B
1.3B
1.3B
1.2B
1.2B
1.2B
1.1B
1.1B
1.1B
1B
982.4M
935.4M
887.6M
868.2M
1.6B
1.6B
1.5B
1.5B
1.5B
1.3B
1.2B
1.1B
1.1B
1.1B
999.5M
981.8M
934.4M
937M
901.9M
887.1M
880.6M
835M
792M
781.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
54K
64K
73K
-59.3M
-107.8M
-86.6M
-71.4M
-138.8M
-133.9M
-87.2M
-56.4M
-64.2M
-94.2M
-143M
-115.4M
-111.3M
-111.4M
-110.3M
-79.3M
-45.6M
-45.9M
-45.9M
-34.8M
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697
6,360,697

SEC Filings

NKSH - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 18, 2026
May 18, 2026
2026
8-K

8-K 2026

N/A

May 13, 2026
May 13, 2026
2026
8-K

8-K 2026

N/A

May 13, 2026
May 13, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 13, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 01, 2026
May 01, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 14, 2026
April 14, 2026
2026
8-K

8-K 2026

N/A

April 09, 2026
April 09, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 31, 2026
March 31, 2026
2026
10-K

10-K 2025 FY

FY

March 27, 2026
December 31, 2025
2025
Showing 1 to 10 of 408 filings