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+36.0%
5Y+64.0%
10Y+78.0%
3Y-39.0%
5Y-2.0%
10Y+6.0%
3Y-39.0%
5Y+30.0%
10Y+2.0%
National Bankshares, Inc.

National Bankshares, Inc. Profit Bridge

NKSH ยท NASDAQ
Revenue85.31M
Cost of Goods Sold (29.74M)
Gross Profit55.58M
Operating Expenses (36.41M)
Operating Income19.17M
Interest Expense (29.75M)
Other Income/Expense0.00
Pretax Income19.17M
Income Tax (3.34M)
Net Income15.83M
Net Income
15.83M

Profitability Analysis

Gross Margin

65.1%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

22.5%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

18.6%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

17.4%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

National Bankshares, Inc. Income Statement

NKSH โ€ข NASDAQ

National Bankshares, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
85.3M
79.1M
68.2M
62.5M
53.4M
52M
53.9M
51M
48.9M
48M
49.7M
50.5M
52.3M
55M
56M
55.2M
59.3M
59.2M
59.5M
56.7M
GROSS PROFIT
(29.7M)
(35M)
(20.3M)
(3.8M)
(2.7M)
(7.8M)
(7.5M)
(5M)
(4.3M)
(5.8M)
(6.2M)
(6.5M)
(7.5M)
(11M)
(12.1M)
(14.6M)
(17.5M)
(19.9M)
(22.2M)
(18.6M)
55.6M
44.1M
47.9M
58.7M
50.7M
44.1M
46.4M
46M
44.6M
42.2M
43.5M
43.9M
44.9M
44M
43.8M
40.6M
41.8M
39.3M
37.4M
38.1M
OPERATING INCOME
(36.4M)
(35M)
(29.2M)
(27M)
(26.1M)
(25M)
(25.8M)
(27.3M)
(24.2M)
(23.3M)
(22.9M)
(21.8M)
(21.8M)
(21M)
(20.9M)
(20.8M)
(23.9M)
(22M)
(21M)
(21.7M)
(23.9M)
(20M)
(18.1M)
(17M)
(16.2M)
(14.8M)
(15.1M)
(14.9M)
(14.1M)
(13.3M)
(13.1M)
(12.2M)
(12.5M)
(12.5M)
(12M)
(12M)
(19.7M)
(14.7M)
(10.8M)
(11.5M)
19.2M
9.1M
18.7M
31.8M
24.6M
19.2M
20.7M
18.7M
20.4M
18.9M
20.6M
22.1M
23.1M
23M
22.9M
19.8M
18M
17.2M
16.4M
16.4M
PRE-TAX INCOME
(29.8M)
(33.7M)
(21.6M)
(3.1M)
(3.1M)
(5.8M)
(7.4M)
(5M)
(4.1M)
(4.2M)
(4.2M)
(4.9M)
(6M)
(7.9M)
(9.2M)
(11.2M)
(15.8M)
(18.8M)
(21.7M)
(18.6M)
45.6M
36.4M
37.3M
47M
41.9M
38.2M
37.8M
38.2M
37.1M
36.8M
38.7M
39M
39.7M
40.6M
40.8M
38M
34.7M
31.3M
29M
29.3M
(12.5M)
(15M)
(11.2M)
(10M)
(9.9M)
(10.2M)
(10.7M)
(12.4M)
(10.2M)
(10.2M)
(9.9M)
(9.7M)
(9.3M)
(8.6M)
(8.9M)
(8.8M)
(4.2M)
(7.4M)
(10.2M)
(10.2M)
19.2M
9.1M
18.7M
31.8M
24.6M
19.2M
20.7M
18.7M
20.4M
18.9M
20.6M
22.1M
23.1M
23M
22.9M
19.8M
18M
17.2M
16.4M
16.4M
NET INCOME
(3.3M)
(1.5M)
(3M)
(5.8M)
(4.3M)
(3.1M)
(3.2M)
(2.6M)
(6.3M)
(4M)
(4.7M)
(5.2M)
(5.3M)
(5.2M)
(5.2M)
(4.2M)
(3.7M)
(3.6M)
(3.7M)
(3.8M)
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

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