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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
99% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 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: 757.09 Max: No Debt
Current: No Debt
1.42
No Debt
Equity-to-Asset 0.15
NKSH's Equity-to-Asset is ranked higher than
86% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 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
Beneish M-Score: -3.10
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 : 2/10

vs
industry
vs
history
Net Margin % 31.87
NKSH's Net Margin % is ranked higher than
72% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. NKSH: 31.87 )
Ranked among companies with meaningful Net Margin % only.
NKSH' s Net Margin % Range Over the Past 10 Years
Min: 31.48  Med: 34.41 Max: 36.35
Current: 31.87
31.48
36.35
ROE % 7.87
NKSH's ROE % is ranked lower than
58% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. NKSH: 7.87 )
Ranked among companies with meaningful ROE % only.
NKSH' s ROE % Range Over the Past 10 Years
Min: 7.76  Med: 12.1 Max: 13.04
Current: 7.87
7.76
13.04
ROA % 1.17
NKSH's ROA % is ranked higher than
66% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NKSH: 1.17 )
Ranked among companies with meaningful ROA % only.
NKSH' s ROA % Range Over the Past 10 Years
Min: 1.13  Med: 1.49 Max: 1.69
Current: 1.17
1.13
1.69
3-Year Revenue Growth Rate -2.40
NKSH's 3-Year Revenue Growth Rate is ranked lower than
74% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. NKSH: -2.40 )
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: -3.5  Med: 5.25 Max: 100.1
Current: -2.4
-3.5
100.1
3-Year EPS without NRI Growth Rate -5.80
NKSH's 3-Year EPS without NRI Growth Rate is ranked lower than
79% of the 1163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.80 vs. NKSH: -5.80 )
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: -14.8  Med: 4.85 Max: 30.6
Current: -5.8
-14.8
30.6
GuruFocus has detected 1 Warning Sign 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: 2019-02-23 Est.)


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

» Details

Guru Trades

Q4 2017

NKSH Guru Trades in Q4 2017

HOTCHKIS & WILEY 9,143 sh (New)
Charles Brandes 34,291 sh (+16.24%)
Jim Simons 67,200 sh (+3.23%)
Chuck Royce 444,903 sh (-9.42%)
» More
Q1 2018

NKSH Guru Trades in Q1 2018

Chuck Royce 451,036 sh (+1.38%)
HOTCHKIS & WILEY 9,143 sh (unchged)
Charles Brandes 23,723 sh (-30.82%)
Jim Simons 65,500 sh (-2.53%)
» More
Q2 2018

NKSH Guru Trades in Q2 2018

HOTCHKIS & WILEY 14,002 sh (+53.14%)
Jim Simons 72,200 sh (+10.23%)
Charles Brandes 5,782 sh (-75.63%)
Chuck Royce 406,548 sh (-9.86%)
» More
Q3 2018

NKSH Guru Trades in Q3 2018

Chuck Royce 419,271 sh (+3.13%)
HOTCHKIS & WILEY 25,922 sh (+85.13%)
Charles Brandes 5,466 sh (-5.47%)
Jim Simons 70,935 sh (-1.75%)
» 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%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:SMMF, NAS:MFSF, NAS:BLMT, NAS:WNEB, NAS:FNLC, NAS:BFIN, OTCPK:ALRS, NAS:AMNB, NAS:CZNC, NAS:SFST, NAS:INBK, NAS:PFIS, NAS:PDLB, NAS:CVCY, NAS:CHFN, OTCPK:FFMR, NAS:GNTY, NAS:FNBG, NAS:CATC, OTCPK:CSHX » 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 18.41
NKSH's PE Ratio is ranked lower than
79% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. NKSH: 18.41 )
Ranked among companies with meaningful PE Ratio only.
NKSH' s PE Ratio Range Over the Past 10 Years
Min: 7.99  Med: 12.92 Max: 24.54
Current: 18.41
7.99
24.54
PE Ratio without NRI 18.41
NKSH's PE Ratio without NRI is ranked lower than
79% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. NKSH: 18.41 )
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: 12.92 Max: 24.54
Current: 18.41
7.99
24.54
Price-to-Owner-Earnings 19.29
NKSH's Price-to-Owner-Earnings is ranked lower than
76% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.15 vs. NKSH: 19.29 )
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: 12.32 Max: 27.25
Current: 19.29
8.09
27.25
PB Ratio 1.44
NKSH's PB Ratio is ranked lower than
77% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. NKSH: 1.44 )
Ranked among companies with meaningful PB Ratio only.
NKSH' s PB Ratio Range Over the Past 10 Years
Min: 0.98  Med: 1.42 Max: 1.85
Current: 1.44
0.98
1.85
PS Ratio 5.87
NKSH's PS Ratio is ranked lower than
90% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. NKSH: 5.87 )
Ranked among companies with meaningful PS Ratio only.
NKSH' s PS Ratio Range Over the Past 10 Years
Min: 2.73  Med: 4.46 Max: 7.88
Current: 5.87
2.73
7.88
Price-to-Free-Cash-Flow 20.71
NKSH's Price-to-Free-Cash-Flow is ranked lower than
84% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. NKSH: 20.71 )
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: 10.71 Max: 30.65
Current: 20.71
7.61
30.65
Price-to-Operating-Cash-Flow 19.03
NKSH's Price-to-Operating-Cash-Flow is ranked lower than
86% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.07 vs. NKSH: 19.03 )
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: 10.49 Max: 29.94
Current: 19.03
7.45
29.94
EV-to-Revenue 5.00
NKSH's EV-to-Revenue is ranked lower than
66% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. NKSH: 5.00 )
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: 6.5
Current: 5
1.6
6.5
Shiller PE Ratio 15.52
NKSH's Shiller PE Ratio is ranked higher than
58% of the 573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.24 vs. NKSH: 15.52 )
Ranked among companies with meaningful Shiller PE Ratio only.
NKSH' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.72  Med: 14.5 Max: 19.57
Current: 15.52
5.72
19.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.12
NKSH's Dividend Yield % is ranked lower than
53% of the 2530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. NKSH: 3.12 )
Ranked among companies with meaningful Dividend Yield % only.
NKSH' s Dividend Yield % Range Over the Past 10 Years
Min: 2.42  Med: 3.33 Max: 5.03
Current: 3.12
2.42
5.03
Dividend Payout Ratio 0.56
NKSH's Dividend Payout Ratio is ranked lower than
80% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 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: 0.44 Max: 0.58
Current: 0.56
0.39
0.58
3-Year Dividend Growth Rate 1.20
NKSH's 3-Year Dividend Growth Rate is ranked lower than
71% of the 790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 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: 6.9 Max: 14.2
Current: 1.2
1.2
14.2
Forward Dividend Yield % 3.24
NKSH's Forward Dividend Yield % is ranked lower than
59% of the 2459 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. NKSH: 3.24 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.30
NKSH's 5-Year Yield-on-Cost % is ranked lower than
59% of the 2507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. NKSH: 3.30 )
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: 2.57  Med: 3.53 Max: 5.34
Current: 3.3
2.57
5.34

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.48
NKSH's Price-to-Tangible-Book is ranked lower than
68% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. NKSH: 1.48 )
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: 1.62 Max: 2.69
Current: 1.48
0.97
2.69
Price-to-Intrinsic-Value-Projected-FCF 0.83
NKSH's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
65% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. NKSH: 0.83 )
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: 0.78 Max: 1.75
Current: 0.83
0.49
1.75
Price-to-Median-PS-Value 1.32
NKSH's Price-to-Median-PS-Value is ranked lower than
81% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. NKSH: 1.32 )
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: 0.54  Med: 0.99 Max: 4.04
Current: 1.32
0.54
4.04
Price-to-Graham-Number 1.10
NKSH's Price-to-Graham-Number is ranked lower than
73% of the 1212 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. NKSH: 1.10 )
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: 0.96 Max: 1.51
Current: 1.1
0.28
1.51

More Statistics

Revenue (TTM) (Mil) $46.05
EPS (TTM) $ 2.11
Beta0.31
Volatility19.80%
52-Week Range $37.55 - 49.75
Shares Outstanding (Mil)6.96

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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