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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt No Debt
NKSH's Cash to Debt is ranked higher than
99% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. NKSH: No Debt )
Ranked among companies with meaningful Cash to Debt only.
NKSH' s 10-Year Cash to Debt Range
Min: 1.42  Med: 495.90 Max: No Debt
Current: No Debt
Equity to Asset 0.15
NKSH's Equity to Asset is ranked higher than
85% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NKSH: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
NKSH' s 10-Year Equity to Asset Range
Min: 0.1  Med: 0.12 Max: 0.15
Current: 0.15
0.1
0.15
Interest Coverage 4.51
NKSH's Interest Coverage is ranked higher than
78% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. NKSH: 4.51 )
Ranked among companies with meaningful Interest Coverage only.
NKSH' s 10-Year Interest Coverage Range
Min: 0.42  Med: 1.14 Max: 4.51
Current: 4.51
0.42
4.51
F-Score: 5
WACC vs ROIC
6.31%
28.12%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 44.54
NKSH's Operating margin (%) is ranked higher than
79% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. NKSH: 44.54 )
Ranked among companies with meaningful Operating margin (%) only.
NKSH' s 10-Year Operating margin (%) Range
Min: -234.41  Med: 42.37 Max: 47.15
Current: 44.54
-234.41
47.15
Net-margin (%) 34.14
NKSH's Net-margin (%) is ranked higher than
79% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. NKSH: 34.14 )
Ranked among companies with meaningful Net-margin (%) only.
NKSH' s 10-Year Net-margin (%) Range
Min: 26.16  Med: 33.34 Max: 202.28
Current: 34.14
26.16
202.28
ROE (%) 9.97
NKSH's ROE (%) is ranked higher than
61% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. NKSH: 9.97 )
Ranked among companies with meaningful ROE (%) only.
NKSH' s 10-Year ROE (%) Range
Min: 10.84  Med: 12.65 Max: 16.91
Current: 9.97
10.84
16.91
ROA (%) 1.44
NKSH's ROA (%) is ranked higher than
78% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NKSH: 1.44 )
Ranked among companies with meaningful ROA (%) only.
NKSH' s 10-Year ROA (%) Range
Min: 1.18  Med: 1.55 Max: 2.07
Current: 1.44
1.18
2.07
Revenue Growth (3Y)(%) -0.70
NKSH's Revenue Growth (3Y)(%) is ranked lower than
65% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. NKSH: -0.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NKSH' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.7  Med: 6.70 Max: 100.2
Current: -0.7
-0.7
100.2
EBITDA Growth (3Y)(%) -1.20
NKSH's EBITDA Growth (3Y)(%) is ranked lower than
73% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. NKSH: -1.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NKSH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -1.2  Med: 6.00 Max: 14.9
Current: -1.2
-1.2
14.9
EPS Growth (3Y)(%) -1.50
NKSH's EPS Growth (3Y)(%) is ranked lower than
75% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. NKSH: -1.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NKSH' s 10-Year EPS Growth (3Y)(%) Range
Min: -1.5  Med: 6.10 Max: 18.5
Current: -1.5
-1.5
18.5
» NKSH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

NKSH Guru Trades in Q3 2014

Jim Simons 34,334 sh (+78.70%)
» More
Q4 2014

NKSH Guru Trades in Q4 2014

Jim Simons 38,900 sh (+13.30%)
» More
Q1 2015

NKSH Guru Trades in Q1 2015

Jim Simons 36,819 sh (-5.35%)
» More
Q2 2015

NKSH Guru Trades in Q2 2015

Chuck Royce 141,346 sh (New)
Jim Simons 52,094 sh (+41.49%)
» More
» Details

Insider Trades

Latest Guru Trades with NKSH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 13.39
NKSH's P/E(ttm) is ranked lower than
51% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. NKSH: 13.39 )
Ranked among companies with meaningful P/E(ttm) only.
NKSH' s 10-Year P/E(ttm) Range
Min: 8.48  Med: 12.52 Max: 15.48
Current: 13.39
8.48
15.48
Forward P/E 10.12
NKSH's Forward P/E is ranked higher than
66% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. NKSH: 10.12 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.40
NKSH's PE(NRI) is ranked lower than
51% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. NKSH: 13.40 )
Ranked among companies with meaningful PE(NRI) only.
NKSH' s 10-Year PE(NRI) Range
Min: 8.46  Med: 12.53 Max: 15.51
Current: 13.4
8.46
15.51
P/B 1.32
NKSH's P/B is ranked lower than
70% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. NKSH: 1.32 )
Ranked among companies with meaningful P/B only.
NKSH' s 10-Year P/B Range
Min: 1.04  Med: 1.48 Max: 2.17
Current: 1.32
1.04
2.17
P/S 4.57
NKSH's P/S is ranked lower than
79% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. NKSH: 4.57 )
Ranked among companies with meaningful P/S only.
NKSH' s 10-Year P/S Range
Min: 2.9  Med: 4.29 Max: 9.15
Current: 4.57
2.9
9.15
PFCF 25.02
NKSH's PFCF is ranked lower than
85% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. NKSH: 25.02 )
Ranked among companies with meaningful PFCF only.
NKSH' s 10-Year PFCF Range
Min: 6.35  Med: 10.19 Max: 40.88
Current: 25.02
6.35
40.88
POCF 11.03
NKSH's POCF is ranked lower than
60% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. NKSH: 11.03 )
Ranked among companies with meaningful POCF only.
NKSH' s 10-Year POCF Range
Min: 5.91  Med: 9.80 Max: 13.37
Current: 11.03
5.91
13.37
EV-to-EBIT 5.76
NKSH's EV-to-EBIT is ranked higher than
89% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. NKSH: 5.76 )
Ranked among companies with meaningful EV-to-EBIT only.
NKSH' s 10-Year EV-to-EBIT Range
Min: 3.1  Med: 6.30 Max: 17.6
Current: 5.76
3.1
17.6
PEG 3.62
NKSH's PEG is ranked lower than
87% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. NKSH: 3.62 )
Ranked among companies with meaningful PEG only.
NKSH' s 10-Year PEG Range
Min: 0.64  Med: 1.96 Max: 6.51
Current: 3.62
0.64
6.51
Shiller P/E 12.52
NKSH's Shiller P/E is ranked higher than
69% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. NKSH: 12.52 )
Ranked among companies with meaningful Shiller P/E only.
NKSH' s 10-Year Shiller P/E Range
Min: 8.42  Med: 13.31 Max: 19.73
Current: 12.52
8.42
19.73
Days Sales Outstanding 44.30
NKSH's Days Sales Outstanding is ranked lower than
61% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. NKSH: 44.30 )
Ranked among companies with meaningful Days Sales Outstanding only.
NKSH' s 10-Year Days Sales Outstanding Range
Min: 43.48  Med: 52.28 Max: 423.66
Current: 44.3
43.48
423.66

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.50
NKSH's Dividend Yield is ranked higher than
64% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. NKSH: 3.50 )
Ranked among companies with meaningful Dividend Yield only.
NKSH' s 10-Year Dividend Yield Range
Min: 2.38  Med: 3.32 Max: 4.73
Current: 3.5
2.38
4.73
Dividend Payout 0.47
NKSH's Dividend Payout is ranked lower than
70% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NKSH: 0.47 )
Ranked among companies with meaningful Dividend Payout only.
NKSH' s 10-Year Dividend Payout Range
Min: 0.64  Med: 0.79 Max: 1.67
Current: 0.47
0.64
1.67
Dividend growth (3y) 4.20
NKSH's Dividend growth (3y) is ranked lower than
61% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NKSH: 4.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
NKSH' s 10-Year Dividend growth (3y) Range
Min: 4.1  Med: 7.70 Max: 39
Current: 4.2
4.1
39
Yield on cost (5-Year) 4.80
NKSH's Yield on cost (5-Year) is ranked higher than
69% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. NKSH: 4.80 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NKSH' s 10-Year Yield on cost (5-Year) Range
Min: 3.26  Med: 4.55 Max: 6.48
Current: 4.8
3.26
6.48

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.37
NKSH's Price/Tangible Book is ranked lower than
64% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. NKSH: 1.37 )
Ranked among companies with meaningful Price/Tangible Book only.
NKSH' s 10-Year Price/Tangible Book Range
Min: 0.97  Med: 1.62 Max: 2.69
Current: 1.37
0.97
2.69
Price/Projected FCF 0.76
NKSH's Price/Projected FCF is ranked lower than
61% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. NKSH: 0.76 )
Ranked among companies with meaningful Price/Projected FCF only.
NKSH' s 10-Year Price/Projected FCF Range
Min: 0.45  Med: 0.73 Max: 0.97
Current: 0.76
0.45
0.97
Price/DCF (Earnings Based) 1.27
NKSH's Price/DCF (Earnings Based) is ranked lower than
84% of the 57 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. NKSH: 1.27 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.07
NKSH's Price/Median PS Value is ranked lower than
53% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. NKSH: 1.07 )
Ranked among companies with meaningful Price/Median PS Value only.
NKSH' s 10-Year Price/Median PS Value Range
Min: 0.56  Med: 0.99 Max: 4.26
Current: 1.07
0.56
4.26
Price/Graham Number 0.90
NKSH's Price/Graham Number is ranked lower than
57% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. NKSH: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
NKSH' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 0.94 Max: 2.07
Current: 0.9
0.58
2.07
Earnings Yield (Greenblatt) (%) 17.37
NKSH's Earnings Yield (Greenblatt) (%) is ranked higher than
90% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. NKSH: 17.37 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NKSH' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.7  Med: 15.80 Max: 32.6
Current: 17.37
5.7
32.6
Forward Rate of Return (Yacktman) (%) 9.82
NKSH's Forward Rate of Return (Yacktman) (%) is ranked lower than
61% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. NKSH: 9.82 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NKSH' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 9.7  Med: 16.20 Max: 26.2
Current: 9.82
9.7
26.2

Analyst Estimate

Dec15
EPS($) 3.06
EPS without NRI($) 3.06

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
National Bankshares Inc is a financial holding company that was organized in 1986 under the laws of Virginia and is registered under the Bank Holding Company Act of 1956. It conducts its operations through its wholly-owned community bank subsidiary, the National Bank of Blacksburg (NBB). It also owns National Bankshares Financial Services, Inc (NBFS), which does business as National Bankshares Insurance Services and National Bankshares Investment Services. NBB is community-oriented and offers a full range of retail and commercial banking services to individuals, businesses, non-profits and local governments from its headquarters in Blacksburg, Virginia and its twenty-four branch offices throughout southwest Virginia. NBB has telephone and internet banking and it operates twenty-four automated teller machines in its service area. The Bank focuses lending on small and mid-sized businesses and individuals. Loan types include commercial and agricultural, commercial real estate, construction for commercial and residential properties, residential real estate, home equity and various consumer loan products. NBFS offers non-deposit investment products and insurance products for sale to the public. NBFS works cooperatively with Infinex Investments, Inc. to provide investments and with Bankers Insurance, LLC for insurance products. NBB competes for loans and deposits with other commercial banks, credit unions, securities and brokerage companies, mortgage companies, insurance companies, retailers, automobile companies and other nonbank financial service providers. The Company is subject to state and federal banking laws and regulations that provide for general regulatory oversight of all aspects of their operations.
» More Articles for NAS:NKSH

Headlines

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Top 5 Undervalued Predictable Companies with the Highest Yields Nov 28 2012 
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Consistent returns, Jan 14 2012 
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National Bankshares Inc. Reports Operating Results (10-Q) Nov 03 2010 
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NATIONAL BANKSHARES INC Files SEC form 10-Q, Quarterly Report May 07 2015
American National Bankshares posts 1Q profit Apr 23 2015
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NATIONAL BANKSHARES INC Files SEC form 8-K, Financial Statements and Exhibits Apr 23 2015
National Bankshares, Inc. Reports First Quarter Earnings Apr 23 2015
NATIONAL BANKSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 11 2015
NATIONAL BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition Feb 19 2015
National Bankshares, Inc. Announces Earnings for 2014 Feb 19 2015
NATIONAL BANKSHARES INC Files SEC form 8-K, Other Events Nov 12 2014

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