National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg that provides retail and commercial banking products ...
National Bankshares, Inc. (NKSH) is a community bank holding company that traces its roots back to 1891 when The National Bank of Blacksburg was founded. Headquartered in Blacksburg, Virginia, the company has served the Southwest Virginia region for over 130 years, building a reputation for personalized service and community involvement. ...National Bankshares, Inc. (NKSH) is a community bank holding company that traces its roots back to 1891 when The National Bank of Blacksburg was founded. Headquartered in Blacksburg, Virginia, the company has served the Southwest Virginia region for over 130 years, building a reputation for personalized service and community involvement. The company's primary subsidiary, The National Bank of Blacksburg, operates 28 full-service offices, providing a comprehensive suite of financial products and services.
Business and Services: The bank offers a wide array of retail and commercial banking products. On the deposit side, it provides interest-bearing and non-interest-bearing demand deposit accounts, money market accounts, savings accounts, certificates of deposit, health savings accounts, and individual retirement accounts. Loan products include commercial non-real estate loans, commercial and consumer real estate loans, residential mortgages, home equity loans, consumer loans (including credit cards and auto loans), and loans for construction projects. Additionally, the bank provides letters of credit, night depository, safe deposit boxes, utility payment services, and automatic funds transfer. Wealth management, trust, and estate services are also offered, along with non-deposit investment and insurance products. Customers have access to telephone, mobile, and Internet banking, as well as ATM services.
Financial Performance: As of the most recent data, National Bankshares has a market capitalization of approximately $259 million. The company's stock trades on NASDAQ under the symbol NKSH, with a price around $40.70. The bank demonstrates solid profitability metrics, including a return on equity of 10.9% and a net profit margin of 28.1%. The company maintains a low debt-to-equity ratio, indicating a conservative capital structure. Its dividend yield is 3.8%, and the company has a payout ratio of 24.4%, reflecting a commitment to returning value to shareholders.
Key People and Governance: Lara E. Ramsey serves as the President and CEO of National Bankshares, Inc., having been named to this position recently. The previous CEO, F. Brad Denardo, continues as Chairman and CEO of the bank itself. The company's leadership is dedicated to maintaining strong community ties and overseeing prudent growth.
Community and Employees: With 243 full-time employees, National Bankshares places a high value on its workforce and local community. The company's long history and commitment to community banking principles have enabled it to maintain customer loyalty and adapt to changing market conditions.
Overall, National Bankshares remains a stable, community-focused financial institution with a comprehensive range of products and services, strong financial fundamentals, and a clear strategic direction under its current leadership.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$85.3M
+7.9%
-68.0%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$15.8M
+107.6%
+1.0%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+65.1%
+16.7%
-86.4%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+22.5%
+94.8%
-412.6%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+18.6%
+92.4%
+215.6%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$15.2M
+145.1%
+21.8%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+17.8%
+127.2%
+280.8%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
0.0%
—
—
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.05x
-39.0%
+504.1%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.