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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 : 6/10

vs
industry
vs
history
Cash to Debt No Debt
NKSH's Cash to Debt is ranked higher than
94% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. NKSH: No Debt )
NKSH' s 10-Year Cash to Debt Range
Min: 1.42   Max: No Debt
Current: No Debt

Equity to Asset 0.14
NKSH's Equity to Asset is ranked higher than
91% of the 1742 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 3.88
NKSH's Interest Coverage is ranked higher than
88% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. NKSH: 3.88 )
NKSH' s 10-Year Interest Coverage Range
Min: 0.42   Max: 3.88
Current: 3.88

0.42
3.88
F-Score: 5
Z-Score: 0.44
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 (%) 47.14
NKSH's Operating margin (%) is ranked higher than
91% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.47 vs. NKSH: 47.14 )
NKSH' s 10-Year Operating margin (%) Range
Min: -234.41   Max: 47.15
Current: 47.14

-234.41
47.15
Net-margin (%) 36.08
NKSH's Net-margin (%) is ranked higher than
92% of the 1769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. NKSH: 36.08 )
NKSH' s 10-Year Net-margin (%) Range
Min: 26.16   Max: 202.28
Current: 36.08

26.16
202.28
ROE (%) 11.80
NKSH's ROE (%) is ranked higher than
87% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. NKSH: 11.80 )
NKSH' s 10-Year ROE (%) Range
Min: 11.69   Max: 16.91
Current: 11.8

11.69
16.91
ROA (%) 1.60
NKSH's ROA (%) is ranked higher than
94% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. NKSH: 1.60 )
NKSH' s 10-Year ROA (%) Range
Min: 1.18   Max: 2.07
Current: 1.6

1.18
2.07
ROC (Joel Greenblatt) (%) 234.82
NKSH's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 1745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.56 vs. NKSH: 234.82 )
NKSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -247.58   Max: 227.07
Current: 234.82

-247.58
227.07
Revenue Growth (%) 1.80
NKSH's Revenue Growth (%) is ranked higher than
77% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. NKSH: 1.80 )
NKSH' s 10-Year Revenue Growth (%) Range
Min: 0.7   Max: 100.2
Current: 1.8

0.7
100.2
EBITDA Growth (%) 4.60
NKSH's EBITDA Growth (%) is ranked higher than
71% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. NKSH: 4.60 )
NKSH' s 10-Year EBITDA Growth (%) Range
Min: 1.5   Max: 14.9
Current: 4.6

1.5
14.9
EPS Growth (%) 4.40
NKSH's EPS Growth (%) is ranked higher than
70% of the 1361 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. NKSH: 4.40 )
NKSH' s 10-Year EPS Growth (%) Range
Min: 1.5   Max: 18.5
Current: 4.4

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 2013

NKSH Guru Trades in Q3 2013

Jim Simons 11,400 sh (-12.31%)
Chuck Royce 64,485 sh (-48.64%)
» More
Q4 2013

NKSH Guru Trades in Q4 2013

Jim Simons 11,600 sh (+1.75%)
Chuck Royce Sold Out
» More
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
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.20
NKSH's P/E(ttm) is ranked higher than
84% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. NKSH: 11.20 )
NKSH' s 10-Year P/E(ttm) Range
Min: 8.48   Max: 16.79
Current: 11.2

8.48
16.79
P/B 1.25
NKSH's P/B is ranked higher than
64% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. NKSH: 1.25 )
NKSH' s 10-Year P/B Range
Min: 1.04   Max: 2.37
Current: 1.25

1.04
2.37
P/S 4.03
NKSH's P/S is ranked higher than
59% of the 1715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 vs. NKSH: 4.03 )
NKSH' s 10-Year P/S Range
Min: 2.9   Max: 9.15
Current: 4.03

2.9
9.15
PFCF 9.15
NKSH's PFCF is ranked higher than
70% of the 985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.72 vs. NKSH: 9.15 )
NKSH' s 10-Year PFCF Range
Min: 5.91   Max: 13.95
Current: 9.15

5.91
13.95
EV-to-EBIT 3.17
NKSH's EV-to-EBIT is ranked higher than
97% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. NKSH: 3.17 )
NKSH' s 10-Year EV-to-EBIT Range
Min: 3.2   Max: 17.6
Current: 3.17

3.2
17.6
PEG 1.93
NKSH's PEG is ranked higher than
62% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. NKSH: 1.93 )
NKSH' s 10-Year PEG Range
Min: 0.55   Max: 5.09
Current: 1.93

0.55
5.09
Shiller P/E 11.32
NKSH's Shiller P/E is ranked higher than
90% of the 1097 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.30 vs. NKSH: 11.32 )
NKSH' s 10-Year Shiller P/E Range
Min: 8.46   Max: 21.34
Current: 11.32

8.46
21.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.00
NKSH's Dividend Yield is ranked higher than
80% of the 1489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. NKSH: 4.00 )
NKSH' s 10-Year Dividend Yield Range
Min: 2.08   Max: 4.58
Current: 4

2.08
4.58
Dividend Payout 0.45
NKSH's Dividend Payout is ranked higher than
50% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. NKSH: 0.45 )
NKSH' s 10-Year Dividend Payout Range
Min: 0.64   Max: 1.67
Current: 0.45

0.64
1.67
Dividend growth (3y) 7.20
NKSH's Dividend growth (3y) is ranked higher than
80% of the 1032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. NKSH: 7.20 )
NKSH' s 10-Year Dividend growth (3y) Range
Min: 4.1   Max: 39
Current: 7.2

4.1
39
Yield on cost (5-Year) 5.88
NKSH's Yield on cost (5-Year) is ranked higher than
83% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. NKSH: 5.88 )
NKSH' s 10-Year Yield on cost (5-Year) Range
Min: 3.06   Max: 6.73
Current: 5.88

3.06
6.73
Share Buyback Rate -0.10
NKSH's Share Buyback Rate is ranked higher than
88% of the 1299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. NKSH: -0.10 )
NKSH' s 10-Year Share Buyback Rate Range
Min: 2.5   Max: -25.9
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.32
NKSH's Price/Tangible Book is ranked higher than
66% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. NKSH: 1.32 )
NKSH' s 10-Year Price/Tangible Book Range
Min: 0.97   Max: 2.69
Current: 1.32

0.97
2.69
Price/DCF (Projected) 0.62
NKSH's Price/DCF (Projected) is ranked higher than
70% of the 1179 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.59 vs. NKSH: 0.62 )
NKSH' s 10-Year Price/DCF (Projected) Range
Min: 0.43   Max: 0.89
Current: 0.62

0.43
0.89
Price/Median PS Value 0.94
NKSH's Price/Median PS Value is ranked higher than
85% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NKSH: 0.94 )
NKSH' s 10-Year Price/Median PS Value Range
Min: 0.56   Max: 4.26
Current: 0.94

0.56
4.26
Price/Peter Lynch Fair Value 1.88
NKSH's Price/Peter Lynch Fair Value is ranked higher than
58% of the 594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. NKSH: 1.88 )
NKSH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.61   Max: 2.7
Current: 1.88

0.61
2.7
Price/Graham Number 0.81
NKSH's Price/Graham Number is ranked higher than
77% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. NKSH: 0.81 )
NKSH' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 2.07
Current: 0.81

0.58
2.07
Earnings Yield (Greenblatt) 31.50
NKSH's Earnings Yield (Greenblatt) is ranked higher than
97% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. NKSH: 31.50 )
NKSH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.7   Max: 30.8
Current: 31.5

5.7
30.8
Forward Rate of Return (Yacktman) 13.44
NKSH's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.45 vs. NKSH: 13.44 )
NKSH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 9.9   Max: 31.8
Current: 13.44

9.9
31.8

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. NBB's market area in southwest Virginia is made up of the counties of Montgomery, Giles, Pulaski, Tazewell, Wythe, Smyth and Washington. It also includes 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.
» More Articles for 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 
National Bankshares Inc. Reports Operating Results (10-Q) Aug 06 2010 
Guru Stocks Raising Dividends: National Bankshares, Mine Safety Appliances Company, FactSet Research May 23 2010 

More From Other Websites
NATIONAL BANKSHARES INC Financials Aug 19 2014
NATIONAL BANKSHARES INC Files SEC form 8-K, Regulation FD Disclosure Aug 12 2014
NATIONAL BANKSHARES INC Files SEC form 10-Q, Quarterly Report Aug 06 2014
NATIONAL BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition Jul 24 2014
National Bankshares, Inc. Reports Second Quarter And First Half Earnings Jul 24 2014
Q2 2014 National Bankshares Inc Earnings Release - After Market Close Jul 24 2014
NATIONAL BANKSHARES INC Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... Jul 09 2014
NATIONAL BANKSHARES INC Files SEC form 8-K, Other Events May 14 2014
National Bankshares, Inc. Declares Semi-Annual Dividend May 14 2014
NATIONAL BANKSHARES INC Files SEC form 10-Q, Quarterly Report May 12 2014
NATIONAL BANKSHARES INC Files SEC form 8-K, Regulation FD Disclosure Apr 30 2014
NATIONAL BANKSHARES INC Files SEC form 8-K, Financial Statements and Exhibits Apr 24 2014
National Bankshares, Inc. Reports First Quarter Earnings Apr 24 2014
NATIONAL BANKSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers, Regulation FD... Apr 10 2014
NATIONAL BANKSHARES INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 09 2014
NATIONAL BANKSHARES INC Files SEC form 10-K, Annual Report Mar 12 2014
National Bankshares, Inc. Posts Record Earnings for 2013 Feb 20 2014
NATIONAL BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition Feb 20 2014
National Bankshares, Inc. Posts Record Earnings for 2013 Feb 20 2014
National Bankshares, Inc. Declares Semi-Annual Dividend Nov 19 2013

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