Stocks · Financial Services · Banks - Regional
National Bankshares, Inc. NKSH
$42.66 +0.47% Close, Oct 2, 2026 · NASDAQ · Market cap $271.7M
Strong trend
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $3.18, up 79.7% year over year.
- The stock is in an uptrend: above its 200-day average for 232 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $72.2M, down 13.1% from a year earlier, slowing from 5.5% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 10%
- EPS growth (TTM, YoY)Top 15%
- FCF growth (TTM, YoY)Top 15%
- Revenue growth, 3-year CAGRBottom 34%
- Revenue growth accelerationBottom 10%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 15%
- Gross marginBottom 46%
- Operating marginBottom 40%
- Cash conversion (OCF / net income)Bottom 37%
- Accruals (lower is better)Bottom 34%
- Net debt / EBITDA (lower is better)Top 20%
- Interest coverBottom 25%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 43%
- Free-cash-flow yieldBottom 49%
- EBITDA / enterprise valueBottom 42%
- Sales / enterprise valueBottom 41%
- P/E vs own 5-year history (lower is better)Bottom 49%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 12%
- 6-month returnTop 24%
- 1-year return vs S&P 500Top 9%
- Distance from 52-week highTop 9%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 20%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 47%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 31%
- Maximum drawdown, 3 yearsBottom 36%
- Beta vs S&P 500 (lower is better)Top 38%
- Net debt / EBITDA (lower is better)Top 20%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.5% | -13.1% | ↓ |
| EPS growth (YoY) | 102.3% | 79.7% | ↓ |
| Gross margin | 59.9% | 63.4% | ↑ |
| Operating margin | 16.2% | 17.5% | ↑ |
| FCF margin | 11.7% | 29.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -13.1% | 5.5% | ↓ | Bottom 10% |
| EPS growth (TTM, YoY) | 79.7% | 102.3% | ↓ | Top 15% |
| Gross margin | 63.4% | 59.9% | ↑ | Bottom 46% |
| Operating margin | 17.5% | 16.2% | ↑ | Bottom 40% |
| Net margin | 28.1% | 13.6% | ↑ | — |
| Free-cash-flow margin | 29.3% | 11.7% | ↑ | — |
| Return on invested capital | -1.1% | — | Bottom 15% | |
| Revenue growth, 3-year CAGR | 10.9% | — | Bottom 34% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.99×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +22.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.66×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.59%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 3.59%
- Share count change, 1 year
- +0.1%
- Share count change, 3-year CAGR
- +2.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 12, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +13.2%
- Average 2-day reaction, last 8
- -0.4%
- Positive 20 days after report
- 5 of 8
Analysts
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -1.3% | -0.3% | +10.6% | +14.4% | — |
| Apr 23, 2026 | +25.8% | -1.1% | -3.4% | -4.6% | -1.5% |
| Jan 22, 2026 | +23.5% | +0.9% | +0.9% | +7.0% | +5.8% |
| Oct 23, 2025 | +4.5% | -2.1% | -7.3% | -1.6% | +15.0% |
| Aug 13, 2025 | +0.0% | -2.7% | -2.2% | +2.9% | -0.1% |
| Apr 24, 2025 | -7.7% | +1.9% | +0.7% | +3.5% | +14.7% |
| Mar 18, 2025 | -0.9% | -0.1% | +1.8% | -8.4% | -2.1% |
| Oct 24, 2024 | +10.5% | +0.5% | +0.5% | +3.7% | -0.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.79 | $0.80 | -1.3% | $6.9M |
| Apr 23, 2026 | $0.78 | $0.62 | +25.8% | $21.6M |
| Jan 22, 2026 | $0.84 | $0.68 | +23.5% | $22.2M |
| Oct 23, 2025 | $0.69 | $0.66 | +4.5% | $21.4M |
| Aug 13, 2025 | $0.61 | $0.61 | +0.0% | $20.8M |
| Apr 24, 2025 | $0.48 | $0.52 | -7.7% | $20.8M |
| Mar 18, 2025 | $0.48 | $0.48 | -0.9% | $12.2M |
| Oct 24, 2024 | $0.42 | $0.38 | +10.5% | $11.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.4× | 12.8× | 57th | Top 43% |
| P/E (forward) | 12.2× | — | — | — |
| EV / EBITDA | 19.6× | — | — | Bottom 42% |
| EV / Sales | 3.64× | — | — | Bottom 41% |
| Free-cash-flow yield | 7.78% | — | — | Bottom 49% |
| Earnings yield | 7.45% | — | — | Top 43% |
P/E over the past five years
Range 6.5× – 22.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +45.3%
- Earnings per share growth (TTM)
- +79.7%
- Change in P/E multiple
- -17.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 60
- Days above the 200-day average
- 232
- 50-day average slope (20 days)
- +6.1%
- 200-day average slope (20 days)
- +3.4%
- Distance from 50-day average
- +2.6%
- Distance from 200-day average
- +13.8%
- RSI (14)
- 56.1
- Relative volume
- 0.64×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 27.6%
- Volatility vs own 5-year history
- 39th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.57
- Correlation with S&P 500
- 0.31
- Current drawdown from 1-year high
- -1.5%
- Maximum drawdown, 3 years
- -34.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 13, 2023 | Oct 23, 2023 | -47.4% | 174 days | 725 days (Sep 15, 2026) |
| Nov 10, 2021 | Jul 14, 2022 | -21.2% | 168 days | 89 days (Nov 17, 2022) |
| Mar 10, 2021 | May 25, 2021 | -13.3% | 53 days | 115 days (Nov 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $271.7M
- P/E (TTM)
- 13.4
- EPS, diluted (TTM)
- $3.18
- Revenue (TTM)
- $72.2M
- Dividend yield
- 3.59%
- 52-week range
- $27.00 – $43.31
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $53.4M | $62.5M | $68.2M | $79.1M | $85.3M |
| Gross profit | $50.7M | $58.7M | $47.9M | $44.1M | $55.6M |
| Operating income | $24.6M | $31.8M | $18.7M | $9.1M | $19.2M |
| Net income | $20.4M | $25.9M | $15.7M | $7.6M | $15.8M |
| EPS (diluted) | $3.28 | $4.33 | $2.66 | $1.24 | $2.49 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $20.9M | $20.6M | $20.8M | $20.8M | $21.4M | $22.2M | $21.6M | $6.9M |
| Net income | $2.7M | $3.1M | $3.2M | $2.3M | $4.4M | $5.9M | $5.0M | $5.0M |
| EPS (diluted) | $0.42 | $0.48 | $0.51 | $0.36 | $0.69 | $0.92 | $0.78 | $0.79 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $22.9M | $29.5M | $15.5M | $9.4M | $17.9M |
| Capital expenditure | -$323,000 | -$1.3M | -$1.5M | -$3.3M | -$2.7M |
| Free cash flow | $22.6M | $28.2M | $14.0M | $6.2M | $15.2M |
| Dividends paid | -$8.8M | -$8.9M | -$14.8M | -$9.3M | -$9.6M |
| Net share buybacks | -$13.4M | -$6.3M | $0 | $0 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $661.5M
- Total assets
- $1.83B
- Total liabilities
- $1.64B
- Total debt
- $0
- Net debt
- -$8.9M
- Shareholders’ equity
- $192.2M
As of Jun 30, 2026 (filed Aug 12, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| May 26, 2026 | $0.75 | Jun 1, 2026 |
| Nov 24, 2025 | $0.78 | Dec 1, 2025 |
| May 27, 2025 | $0.73 | Jun 2, 2025 |
| Nov 25, 2024 | $0.78 | Dec 2, 2024 |
| May 24, 2024 | $0.73 | Jun 3, 2024 |
| Nov 17, 2023 | $0.78 | Dec 1, 2023 |
| May 19, 2023 | $0.73 | Jun 1, 2023 |
| Jan 20, 2023 | $1.00 | Feb 3, 2023 |
Short interest
- Shares sold short
- 116,014
- Days to cover
- 2.80
- Change vs previous report
- +15.5%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Apr 3, 2006
- 2-for-1
- Jun 17, 1996
- 10-for-9