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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 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. NKSH: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
NKSH' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.42  Med: 560.57 Max: No Debt
Current: No Debt
Equity-to-Asset 0.15
NKSH's Equity-to-Asset is ranked higher than
86% of the 1580 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.15
Current: 0.15
0.1
0.15
Interest Coverage 4.46
NKSH's Interest Coverage is ranked higher than
78% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. NKSH: 4.46 )
Ranked among companies with meaningful Interest Coverage only.
NKSH' s Interest Coverage Range Over the Past 10 Years
Min: 0.75  Med: 2.71 Max: 4.92
Current: 4.46
0.75
4.92
WACC vs ROIC
3.53%
16.78%
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 : 3/10

vs
industry
vs
history
Operating Margin % 39.41
NKSH's Operating Margin % is ranked higher than
69% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. NKSH: 39.41 )
Ranked among companies with meaningful Operating Margin % only.
NKSH' s Operating Margin % Range Over the Past 10 Years
Min: 40.46  Med: 43.07 Max: 47.22
Current: 39.41
40.46
47.22
Net Margin % 31.21
NKSH's Net Margin % is ranked higher than
73% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. NKSH: 31.21 )
Ranked among companies with meaningful Net Margin % only.
NKSH' s Net Margin % Range Over the Past 10 Years
Min: 32  Med: 33.64 Max: 36.35
Current: 31.21
32
36.35
ROE % 7.98
NKSH's ROE % is ranked lower than
53% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. NKSH: 7.98 )
Ranked among companies with meaningful ROE % only.
NKSH' s ROE % Range Over the Past 10 Years
Min: 8.53  Med: 12.26 Max: 13.04
Current: 7.98
8.53
13.04
ROA % 1.18
NKSH's ROA % is ranked higher than
71% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. NKSH: 1.18 )
Ranked among companies with meaningful ROA % only.
NKSH' s ROA % Range Over the Past 10 Years
Min: 1.23  Med: 1.49 Max: 1.69
Current: 1.18
1.23
1.69
3-Year Revenue Growth Rate -1.50
NKSH's 3-Year Revenue Growth Rate is ranked lower than
76% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. NKSH: -1.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NKSH' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -1.5  Med: 5.7 Max: 100.1
Current: -1.5
-1.5
100.1
3-Year EBITDA Growth Rate -7.10
NKSH's 3-Year EBITDA Growth Rate is ranked lower than
83% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. NKSH: -7.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NKSH' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -7.1  Med: 4.8 Max: 14.8
Current: -7.1
-7.1
14.8
3-Year EPS without NRI Growth Rate -5.50
NKSH's 3-Year EPS without NRI Growth Rate is ranked lower than
79% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NKSH: -5.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NKSH' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -5.5  Med: 5.1 Max: 18.5
Current: -5.5
-5.5
18.5
GuruFocus has detected 6 Warning Signs with National Bankshares Inc $NKSH.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NKSH's 30-Y Financials

Financials (Next Earnings Date: 2017-10-27 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

NKSH Guru Trades in Q3 2016

Jim Simons 62,700 sh (-0.79%)
Chuck Royce 476,393 sh (-2.67%)
» More
Q4 2016

NKSH Guru Trades in Q4 2016

Jim Simons 66,800 sh (+6.54%)
Chuck Royce 461,293 sh (-3.17%)
» More
Q1 2017

NKSH Guru Trades in Q1 2017

Charles Brandes 8,198 sh (New)
Chuck Royce 499,031 sh (+8.18%)
Jim Simons 63,200 sh (-5.39%)
» More
Q2 2017

NKSH Guru Trades in Q2 2017

Charles Brandes 29,494 sh (+259.77%)
Chuck Royce 542,031 sh (+8.62%)
Jim Simons 61,700 sh (-2.37%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Charles Brandes 2017-06-30 Add 259.77%0.01%$37.55 - $44.45 $ 41.702%29,494
Charles Brandes 2017-03-31 New Buy$36.35 - $43.9 $ 41.703%8,198
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:PBNC, NAS:BFIN, NAS:CZNC, NAS:BLMT, NAS:FFKT, OTCPK:CATC, NAS:MFSF, NAS:SMMF, OTCPK:ALRS, NAS:FNLC, NAS:FBMS, NAS:SFST, NAS:ATLO, NAS:FMAO, NAS:CHFN, NAS:PCSB, NAS:BWFG, NAS:WNEB, NAS:MCBC, NAS:CVCY » details
Headquarter Location:USA
National Bankshares Inc is a bank holding company of National Bank of Blacksburg, offering a range of financial products and services, including deposit accounts, commercial, consumer and mortgage loans, credit cards and trust services.

National Bankshares Inc is a bank holding company of National Bank of Blacksburg, offering a range of financial products and services, including deposit accounts, commercial, consumer and mortgage loans, credit cards and trust services. The bank focuses lending to small and mid-sized businesses and individuals. The types of loan it offers include commercial and agricultural, commercial real estate, construction for commercial and residential properties, residential real estate, home equity and various consumer loan products. It also operates an insurance and brokerage subsidiary, National Bankshares Financial Services, Inc. The company earns its revenues from interest and fees on loans and investments.

Ratios

vs
industry
vs
history
PE Ratio 20.41
NKSH's PE Ratio is ranked lower than
70% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. NKSH: 20.41 )
Ranked among companies with meaningful PE Ratio only.
NKSH' s PE Ratio Range Over the Past 10 Years
Min: 7.99  Med: 12.58 Max: 21.13
Current: 20.41
7.99
21.13
PE Ratio without NRI 20.41
NKSH's PE Ratio without NRI is ranked lower than
70% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. NKSH: 20.41 )
Ranked among companies with meaningful PE Ratio without NRI only.
NKSH' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.99  Med: 12.58 Max: 21.13
Current: 20.41
7.99
21.13
Price-to-Owner-Earnings 20.93
NKSH's Price-to-Owner-Earnings is ranked lower than
77% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. NKSH: 20.93 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NKSH' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.09  Med: 12.04 Max: 21.9
Current: 20.93
8.09
21.9
PB Ratio 1.60
NKSH's PB Ratio is ranked lower than
70% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. NKSH: 1.60 )
Ranked among companies with meaningful PB Ratio only.
NKSH' s PB Ratio Range Over the Past 10 Years
Min: 0.98  Med: 1.4 Max: 1.85
Current: 1.6
0.98
1.85
PS Ratio 6.35
NKSH's PS Ratio is ranked lower than
85% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. NKSH: 6.35 )
Ranked among companies with meaningful PS Ratio only.
NKSH' s PS Ratio Range Over the Past 10 Years
Min: 2.73  Med: 4.38 Max: 6.58
Current: 6.35
2.73
6.58
Price-to-Free-Cash-Flow 19.58
NKSH's Price-to-Free-Cash-Flow is ranked lower than
82% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. NKSH: 19.58 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NKSH' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.61  Med: 10.56 Max: 21.28
Current: 19.58
7.61
21.28
Price-to-Operating-Cash-Flow 18.77
NKSH's Price-to-Operating-Cash-Flow is ranked lower than
84% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. NKSH: 18.77 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NKSH' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.45  Med: 10.35 Max: 20.32
Current: 18.77
7.45
20.32
EV-to-EBIT 10.55
NKSH's EV-to-EBIT is ranked higher than
60% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. NKSH: 10.55 )
Ranked among companies with meaningful EV-to-EBIT only.
NKSH' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.3  Med: 5.95 Max: 11.3
Current: 10.55
3.3
11.3
EV-to-EBITDA 10.04
NKSH's EV-to-EBITDA is ranked higher than
58% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. NKSH: 10.04 )
Ranked among companies with meaningful EV-to-EBITDA only.
NKSH' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.1  Med: 5.4 Max: 10.7
Current: 10.04
3.1
10.7
EV-to-Revenue 4.16
NKSH's EV-to-Revenue is ranked lower than
51% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.86 vs. NKSH: 4.16 )
Ranked among companies with meaningful EV-to-Revenue only.
NKSH' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.6  Med: 2.6 Max: 4.8
Current: 4.16
1.6
4.8
Shiller PE Ratio 17.35
NKSH's Shiller PE Ratio is ranked higher than
66% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.54 vs. NKSH: 17.35 )
Ranked among companies with meaningful Shiller PE Ratio only.
NKSH' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.71  Med: 14.11 Max: 18.32
Current: 17.35
5.71
18.32

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.76
NKSH's Dividend Yield % is ranked higher than
55% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. NKSH: 2.76 )
Ranked among companies with meaningful Dividend Yield % only.
NKSH' s Dividend Yield % Range Over the Past 10 Years
Min: 2.63  Med: 3.36 Max: 5.03
Current: 2.76
2.63
5.03
Dividend Payout Ratio 0.56
NKSH's Dividend Payout Ratio is ranked lower than
79% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. NKSH: 0.56 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NKSH' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.39  Med: 0.42 Max: 0.56
Current: 0.56
0.39
0.56
3-Year Dividend Growth Rate 1.20
NKSH's 3-Year Dividend Growth Rate is ranked lower than
74% of the 794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. NKSH: 1.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NKSH' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 1.2  Med: 7.2 Max: 14.2
Current: 1.2
1.2
14.2
Forward Dividend Yield % 2.64
NKSH's Forward Dividend Yield % is ranked lower than
52% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. NKSH: 2.64 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.12
NKSH's 5-Year Yield-on-Cost % is ranked higher than
50% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. NKSH: 3.12 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NKSH' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.98  Med: 3.8 Max: 5.69
Current: 3.12
2.98
5.69

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.66
NKSH's Price-to-Tangible-Book is ranked lower than
64% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. NKSH: 1.66 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NKSH' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.97  Med: 1.61 Max: 2.69
Current: 1.66
0.97
2.69
Price-to-Intrinsic-Value-Projected-FCF 0.88
NKSH's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
55% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. NKSH: 0.88 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NKSH' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.49  Med: 0.76 Max: 1.2
Current: 0.88
0.49
1.2
Price-to-Median-PS-Value 1.45
NKSH's Price-to-Median-PS-Value is ranked lower than
73% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. NKSH: 1.45 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NKSH' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.55  Med: 0.99 Max: 4.19
Current: 1.45
0.55
4.19
Price-to-Graham-Number 1.23
NKSH's Price-to-Graham-Number is ranked lower than
67% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. NKSH: 1.23 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NKSH' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.28  Med: 0.94 Max: 1.35
Current: 1.23
0.28
1.35
Earnings Yield (Greenblatt) % 9.48
NKSH's Earnings Yield (Greenblatt) % is ranked higher than
69% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. NKSH: 9.48 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NKSH' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 8.9  Med: 16.8 Max: 29.9
Current: 9.48
8.9
29.9
Forward Rate of Return (Yacktman) % 1.29
NKSH's Forward Rate of Return (Yacktman) % is ranked lower than
72% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. NKSH: 1.29 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
NKSH' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 1.1  Med: 14.6 Max: 24.5
Current: 1.29
1.1
24.5

More Statistics

Revenue (TTM) (Mil) $46.51
EPS (TTM) $ 2.08
Beta0.21
Short Percentage of Float3.35%
52-Week Range $34.00 - 45.35
Shares Outstanding (Mil)6.96

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