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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
87% of the 1728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. NKSH: No Debt )
NKSH' s 10-Year Cash to Debt Range
Min: 2.15   Max: No Debt
Current: No Debt

Equity to Asset 0.14
NKSH's Equity to Asset is ranked higher than
89% of the 2245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. NKSH: 0.14 )
NKSH' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.14
Current: 0.14

0.1
0.14
Interest Coverage 4.51
NKSH's Interest Coverage is ranked higher than
87% of the 2154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. NKSH: 4.51 )
NKSH' s 10-Year Interest Coverage Range
Min: 0.42   Max: 4.51
Current: 4.51

0.42
4.51
F-Score: 5
Z-Score: 0.44
WACC vs ROIC
6.10%
39.81%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 45.79
NKSH's Operating margin (%) is ranked higher than
90% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. NKSH: 45.79 )
NKSH' s 10-Year Operating margin (%) Range
Min: -234.41   Max: 47.15
Current: 45.79

-234.41
47.15
Net-margin (%) 35.05
NKSH's Net-margin (%) is ranked higher than
90% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.25 vs. NKSH: 35.05 )
NKSH' s 10-Year Net-margin (%) Range
Min: 26.16   Max: 202.28
Current: 35.05

26.16
202.28
ROE (%) 10.77
NKSH's ROE (%) is ranked higher than
82% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. NKSH: 10.77 )
NKSH' s 10-Year ROE (%) Range
Min: 10.84   Max: 16.91
Current: 10.77

10.84
16.91
ROA (%) 1.50
NKSH's ROA (%) is ranked higher than
90% of the 2361 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. NKSH: 1.50 )
NKSH' s 10-Year ROA (%) Range
Min: 1.18   Max: 2.07
Current: 1.5

1.18
2.07
ROC (Joel Greenblatt) (%) 232.86
NKSH's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 2323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.11 vs. NKSH: 232.86 )
NKSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -247.58   Max: 231.55
Current: 232.86

-247.58
231.55
Revenue Growth (3Y)(%) -0.70
NKSH's Revenue Growth (3Y)(%) is ranked higher than
65% of the 2005 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. NKSH: -0.70 )
NKSH' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.7   Max: 100.2
Current: -0.7

-0.7
100.2
EBITDA Growth (3Y)(%) -1.20
NKSH's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 1815 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. NKSH: -1.20 )
NKSH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -1.2   Max: 14.9
Current: -1.2

-1.2
14.9
EPS Growth (3Y)(%) -1.50
NKSH's EPS Growth (3Y)(%) is ranked higher than
61% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. NKSH: -1.50 )
NKSH' s 10-Year EPS Growth (3Y)(%) Range
Min: -1.5   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

Q1 2014

NKSH Guru Trades in Q1 2014

Jim Simons 10,888 sh (-6.14%)
» More
Q2 2014

NKSH Guru Trades in Q2 2014

Jim Simons 19,213 sh (+76.46%)
» More
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
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.50
NKSH's P/E(ttm) is ranked higher than
85% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.00 vs. NKSH: 12.50 )
NKSH' s 10-Year P/E(ttm) Range
Min: 8.48   Max: 15.48
Current: 12.5

8.48
15.48
Forward P/E 10.12
NKSH's Forward P/E is ranked higher than
90% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NKSH: 10.12 )
N/A
PE(NRI) 11.90
NKSH's PE(NRI) is ranked higher than
87% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.80 vs. NKSH: 11.90 )
NKSH' s 10-Year PE(NRI) Range
Min: 8.46   Max: 15.51
Current: 11.9

8.46
15.51
P/B 1.20
NKSH's P/B is ranked higher than
72% of the 3173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. NKSH: 1.20 )
NKSH' s 10-Year P/B Range
Min: 1.04   Max: 2.17
Current: 1.2

1.04
2.17
P/S 4.30
NKSH's P/S is ranked higher than
59% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. NKSH: 4.30 )
NKSH' s 10-Year P/S Range
Min: 2.9   Max: 9.15
Current: 4.3

2.9
9.15
PFCF 19.50
NKSH's PFCF is ranked higher than
74% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NKSH: 19.50 )
NKSH' s 10-Year PFCF Range
Min: 6.35   Max: 20.42
Current: 19.5

6.35
20.42
POCF 9.85
NKSH's POCF is ranked higher than
84% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 175.50 vs. NKSH: 9.85 )
NKSH' s 10-Year POCF Range
Min: 5.91   Max: 13.37
Current: 9.85

5.91
13.37
EV-to-EBIT 3.85
NKSH's EV-to-EBIT is ranked higher than
98% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.74 vs. NKSH: 3.85 )
NKSH' s 10-Year EV-to-EBIT Range
Min: 3.3   Max: 17.6
Current: 3.85

3.3
17.6
PEG 3.22
NKSH's PEG is ranked higher than
87% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NKSH: 3.22 )
NKSH' s 10-Year PEG Range
Min: 0.64   Max: 5.09
Current: 3.22

0.64
5.09
Shiller P/E 12.20
NKSH's Shiller P/E is ranked higher than
93% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NKSH: 12.20 )
NKSH' s 10-Year Shiller P/E Range
Min: 8.46   Max: 19.73
Current: 12.2

8.46
19.73
Days Sales Outstanding 43.48
NKSH's Days Sales Outstanding is ranked higher than
85% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NKSH: 43.48 )
NKSH' s 10-Year Days Sales Outstanding Range
Min: 43.48   Max: 423.66
Current: 43.48

43.48
423.66

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.79
NKSH's Dividend Yield is ranked higher than
78% of the 2208 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. NKSH: 3.79 )
NKSH' s 10-Year Dividend Yield Range
Min: 2.38   Max: 4.73
Current: 3.79

2.38
4.73
Dividend Payout 0.46
NKSH's Dividend Payout is ranked higher than
72% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. NKSH: 0.46 )
NKSH' s 10-Year Dividend Payout Range
Min: 0.19   Max: 0.47
Current: 0.46

0.19
0.47
Dividend growth (3y) 4.20
NKSH's Dividend growth (3y) is ranked higher than
72% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NKSH: 4.20 )
NKSH' s 10-Year Dividend growth (3y) Range
Min: 4.1   Max: 39
Current: 4.2

4.1
39
Yield on cost (5-Year) 5.21
NKSH's Yield on cost (5-Year) is ranked higher than
81% of the 2215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. NKSH: 5.21 )
NKSH' s 10-Year Yield on cost (5-Year) Range
Min: 3.26   Max: 6.48
Current: 5.21

3.26
6.48

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
NKSH's Price/Tangible Book is ranked higher than
78% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NKSH: 1.30 )
NKSH' s 10-Year Price/Tangible Book Range
Min: 0.97   Max: 2.69
Current: 1.3

0.97
2.69
Price/DCF (Projected) 0.70
NKSH's Price/DCF (Projected) is ranked higher than
88% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NKSH: 0.70 )
NKSH' s 10-Year Price/DCF (Projected) Range
Min: 0.48   Max: 0.97
Current: 0.7

0.48
0.97
Price/Median PS Value 1.00
NKSH's Price/Median PS Value is ranked higher than
89% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. NKSH: 1.00 )
NKSH' s 10-Year Price/Median PS Value Range
Min: 0.56   Max: 1.96
Current: 1

0.56
1.96
Price/Peter Lynch Fair Value 2.50
NKSH's Price/Peter Lynch Fair Value is ranked higher than
90% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NKSH: 2.50 )
NKSH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.08   Max: 2.5
Current: 2.5

1.08
2.5
Price/Graham Number 0.80
NKSH's Price/Graham Number is ranked higher than
84% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. NKSH: 0.80 )
NKSH' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 1.36
Current: 0.8

0.58
1.36
Earnings Yield (Greenblatt) 25.30
NKSH's Earnings Yield (Greenblatt) is ranked higher than
97% of the 2339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. NKSH: 25.30 )
NKSH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.7   Max: 29.9
Current: 25.3

5.7
29.9
Forward Rate of Return (Yacktman) 14.32
NKSH's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. NKSH: 14.32 )
NKSH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 10   Max: 26.2
Current: 14.32

10
26.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
National Bankshares Inc was organized in 1986 under the laws of Virginia and is registered under the Bank Holding Company Act of 1956. It is a financial holding company that conducts most of 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 it offers a range of retail and commercial banking services to individuals, businesses, non-profits and local governments from its headquarters in Blacksburg, Virginia and its twenty-five branch offices throughout southwest Virginia. NBB has telephone and Internet banking and it operates twenty-five automated teller machines in its service area. Lending is focused at small and mid-sized businesses and at individuals. Loan types include commercial, agricultural, real estate, home equity and consumer. Merchant credit card services and business and consumer credit cards are available. Deposit accounts offered include demand deposit accounts, money market deposit accounts, savings accounts and certificates of deposit. NBB offers other miscellaneous services normally provided by commercial banks, such as letters of credit, night depository, safe deposit boxes, travelers checks, utility payment services and automatic funds transfer. NBB conducts a general trust business that has wealth management and trust and estate services for individual and business customers. NBBs market area in southwest Virginia is made up of the counties of Montgomery, Giles, Pulaski, Tazewell, Wythe, Smyth and Washington. It also include the independent cities of Radford and Galax, and the portions of Carroll and Grayson Counties that are adjacent to Galax. The bank also serves those portions of Mercer County and McDowell County, West Virginia that are contiguous with Tazewell County, Virginia. NBFS offers non-deposit investment products and insurance products for sale to the public. It 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.

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