NKSH - NASDAQ
National Bankshares, Inc.
$34.00
-2.2%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 SnapshotNational Bankshares, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
National Bankshares, Inc. Cash Flow Statement
NKSH • NASDAQ
| National Bankshares, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
15.8M | 7.6M | 15.7M | 25.9M | 20.4M | 16.1M | 17.5M | 16.2M | 14.1M | 14.9M | 15.8M | 16.9M | 17.8M | 17.7M | 17.6M | 15.6M | 14.3M | 13.6M | 12.7M | 12.6M | |
2.2M | 1.1M | 754K | 609K | 636K | 708K | 739K | 816K | 873K | 1.1M | 1.7M | 1.8M | 1.8M | 1.8M | 1.9M | 2M | 2M | 2.1M | 2.4M | 2.4M | |
704K | -884K | 750K | -109K | 152K | 282K | 529K | -382K | 3.4M | 18K | 10K | 73K | 64K | 204K | 582K | 563K | -1.1M | -310K | -144K | 249K | |
193K | 128K | 42K | 0.0 | 360K | 0.0 | 0.0 | 0.0 | 0.0 | 150K | 200K | 100K | 275K | 370K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-2.1M | 3.4M | 1.8M | 1.9M | 290K | -2.5M | -2M | -256K | -4.9M | 610K | 1.4M | 2.4M | 2.7M | 3.1M | 3.2M | 1.4M | 2.5M | 1.1M | 404K | 24K | |
(2.2M) | (715K) | (2.5M) | (3.9M) | (3.2M) | (3.9M) | (2.5M) | (1.8M) | (4.1M) | (3.9M) | (4.8M) | (5.3M) | (5.1M) | (4.9M) | (4.8M) | (5.5M) | (3.9M) | (0.0) | (0.0) | (0.0) | |
1.1M | -2M | -3.5M | 1.2M | 1.1M | -760K | 2.1M | 3.5M | -2.5M | 905K | 1.5M | -825K | 2.1M | -193K | -3.9M | -983K | -2.9M | -607K | 205K | -1.2M | |
17.9M | 9.4M | 15.5M | 29.5M | 22.9M | 13.8M | 18.8M | 19.8M | 11M | 17.5M | 20.5M | 20.3M | 24.5M | 22.7M | 19.5M | 18.6M | 14.9M | 15.9M | 15.5M | 14.1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -3.3M | -1.5M | -1.3M | -323K | -1.8M | -1M | -1.2M | -261K | -634K | -663K | -459K | -276K | -769K | -725K | -728K | -330K | -351K | -321K | -881K | |
(0.0) | (6.9M) | (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) | (0.0) | |
-83.9M | (0.0) | (0.0) | -117.3M | -219.3M | -241.2M | -352.5M | -25.3M | -41.6M | -290.3M | -80.1M | -40.3M | -97.5M | -219.4M | -100M | -135.2M | -94.4M | -49.2M | -22.8M | -42.6M | |
41M | 25.5M | 57.7M | 38.6M | 65.3M | 144.9M | 349.1M | 57.1M | 23.1M | 237.9M | 74.5M | 20.7M | 75.4M | 185.2M | 100.9M | 113.6M | 66.5M | 54.3M | 36.4M | 29.6M | |
3.7M | -13.4M | -3M | -49.7M | -38.9M | -79.5M | -57.3M | -34.2M | -1.4M | 20.8M | -43.7M | -15.2M | -9.1M | -4.9M | -45.5M | -25.5M | -18.5M | -56.2M | -33.4M | -17.7M | |
-39.2M | (15.8M) | (53.2M) | -129.7M | -193.2M | -177.6M | -61.7M | -3.6M | -20.2M | -32.2M | -49.9M | -35.3M | -31.4M | -39.7M | -45.3M | -47.8M | -46.7M | -51.3M | -20.1M | -31.5M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
0.0 | 0.0 | 0.0 | -6.3M | -13.4M | -1.7M | -18.5M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -562K | -725K | -1.1M | |
0.0 | -5.2M | 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 | -10K | -9K | -284K | |
-9.6M | -9.3M | -14.8M | -9M | -8.8M | -9M | -9M | -8.4M | -8.1M | -8.1M | -7.9M | -7.9M | -7.8M | -7.6M | -6.9M | -6.3M | -5.8M | -5.5M | -5.3M | -5.1M | |
(0.0) | (0.0) | (0.0) | -6.3M | -13.4M | -1.7M | -18.5M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -562K | (0.0) | -1.2M | |
-18M | 10.8M | -38.8M | 48.1M | 197.4M | 177.4M | 67.8M | -7.8M | 16.3M | 24.6M | 36.6M | 22.5M | 13.3M | 27.6M | 34.8M | 32.5M | 34.3M | 41.6M | 11.6M | 19M | |
-27.6M | -3.7M | -53.5M | 32.9M | 175.3M | 166.7M | 40.3M | -16.2M | 8.2M | 16.5M | 28.7M | 14.6M | 5.5M | 19.9M | 27.9M | 26.2M | 28.4M | 35.5M | 5.6M | 12.6M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-48.9M | 21.5M | 15.2M | -67.4M | 4.9M | 2.9M | -2.6M | -44K | -1M | 1.8M | -742K | -389K | -1.5M | 2.9M | 2M | -3M | -3.4M | -8K | 1M | -4.8M | |
108.1M | 86.6M | 71.4M | 138.8M | 133.9M | 10.3M | 12.9M | 12.9M | 14M | 12.2M | 12.9M | 13.3M | 14.8M | 11.9M | 9.9M | 12.9M | 16.3M | 16.3M | 15.3M | 20.1M | |
59.3M | 108.1M | 86.6M | 71.4M | 138.8M | 13.1M | 10.3M | 12.9M | 12.9M | 14M | 12.2M | 12.9M | 13.3M | 14.8M | 11.9M | 9.9M | 12.9M | 16.3M | 16.3M | 15.3M | |
15.2M | 6.2M | 14M | 28.2M | 22.6M | 12M | 17.8M | 18.6M | 10.7M | 16.9M | 19.9M | 19.9M | 24.2M | 21.9M | 18.7M | 17.8M | 14.5M | 15.5M | 15.2M | 13.2M |
SEC Filings
NKSH - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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