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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 : 5/10

vs
industry
vs
history
Cash-to-Debt No Debt
NKSH's Cash-to-Debt is ranked higher than
99% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 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: 718.92 Max: No Debt
Current: No Debt
1.42
No Debt
Equity-to-Asset 0.15
NKSH's Equity-to-Asset is ranked higher than
85% of the 1617 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
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 % 29.09
NKSH's Net Margin % is ranked higher than
70% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.23 vs. NKSH: 29.09 )
Ranked among companies with meaningful Net Margin % only.
NKSH' s Net Margin % Range Over the Past 10 Years
Min: 29.66  Med: 33.64 Max: 36.35
Current: 29.09
29.66
36.35
ROE % 7.42
NKSH's ROE % is ranked lower than
56% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. NKSH: 7.42 )
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: 7.42
7.76
13.04
ROA % 1.10
NKSH's ROA % is ranked higher than
68% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NKSH: 1.10 )
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: 1.1
1.13
1.69
3-Year Revenue Growth Rate -0.40
NKSH's 3-Year Revenue Growth Rate is ranked lower than
77% of the 1453 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.40 vs. NKSH: -0.40 )
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: -1.5  Med: 5.25 Max: 100.1
Current: -0.4
-1.5
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 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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: -5.8  Med: 4.85 Max: 18.5
Current: -5.8
-5.8
18.5
GuruFocus has detected 5 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: 2018-07-27)


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

» Details

Guru Trades

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
Q3 2017

NKSH Guru Trades in Q3 2017

Jim Simons 65,100 sh (+5.51%)
Charles Brandes 29,499 sh (+0.02%)
Chuck Royce 491,197 sh (-9.38%)
» More
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)
Jim Simons 65,500 sh (-2.53%)
Charles Brandes 23,723 sh (-30.82%)
» 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 2018-03-31 Reduce -30.82%0.01%$37.75 - $46.25 $ 48.8015%23,723
Charles Brandes 2017-12-31 Add 16.24%$42.7 - $47.45 $ 48.808%34,291
HOTCHKIS & WILEY 2017-12-31 New Buy$42.7 - $47.45 $ 48.808%9,143
Charles Brandes 2017-09-30 Add 0.02%$36.85 - $45.65 $ 48.8023%29,499
Charles Brandes 2017-06-30 Add 259.77%0.01%$37.55 - $44.45 $ 48.8019%29,494
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: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.

Top Ranked Articles about National Bankshares Inc

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Brandes Investment leader Charles Brandes (Trades, Portfolio) is considered one of the most important value investors today. He follows the Benjamin Graham school of value investing. In both the second and third quarters, he invested in the following stocks: Read more...

Ratios

vs
industry
vs
history
PE Ratio 24.77
NKSH's PE Ratio is ranked lower than
71% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.27 vs. NKSH: 24.77 )
Ranked among companies with meaningful PE Ratio only.
NKSH' s PE Ratio Range Over the Past 10 Years
Min: 7.99  Med: 12.65 Max: 24.77
Current: 24.77
7.99
24.77
PE Ratio without NRI 24.77
NKSH's PE Ratio without NRI is ranked lower than
70% of the 1499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.29 vs. NKSH: 24.77 )
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: 12.65 Max: 24.77
Current: 24.77
7.99
24.77
Price-to-Owner-Earnings 27.40
NKSH's Price-to-Owner-Earnings is ranked lower than
73% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. NKSH: 27.40 )
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: 12.14 Max: 27.4
Current: 27.4
8.09
27.4
PB Ratio 1.83
NKSH's PB Ratio is ranked lower than
69% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. NKSH: 1.83 )
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: 1.83
0.98
1.85
PS Ratio 7.19
NKSH's PS Ratio is ranked lower than
85% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. NKSH: 7.19 )
Ranked among companies with meaningful PS Ratio only.
NKSH' s PS Ratio Range Over the Past 10 Years
Min: 2.73  Med: 4.4 Max: 7.19
Current: 7.19
2.73
7.19
Price-to-Free-Cash-Flow 26.86
NKSH's Price-to-Free-Cash-Flow is ranked lower than
80% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. NKSH: 26.86 )
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: 30.65
Current: 26.86
7.61
30.65
Price-to-Operating-Cash-Flow 26.17
NKSH's Price-to-Operating-Cash-Flow is ranked lower than
82% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.67 vs. NKSH: 26.17 )
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: 29.94
Current: 26.17
7.45
29.94
EV-to-Revenue 5.34
NKSH's EV-to-Revenue is ranked lower than
55% of the 1276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.24 vs. NKSH: 5.34 )
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: 5.7
Current: 5.34
1.6
5.7
Shiller PE Ratio 19.64
NKSH's Shiller PE Ratio is ranked higher than
67% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. NKSH: 19.64 )
Ranked among companies with meaningful Shiller PE Ratio only.
NKSH' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.69  Med: 14.29 Max: 19.68
Current: 19.64
5.69
19.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.44
NKSH's Dividend Yield % is ranked higher than
57% of the 2465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. NKSH: 2.44 )
Ranked among companies with meaningful Dividend Yield % only.
NKSH' s Dividend Yield % Range Over the Past 10 Years
Min: 2.4  Med: 3.36 Max: 5.03
Current: 2.44
2.4
5.03
Dividend Payout Ratio 0.59
NKSH's Dividend Payout Ratio is ranked lower than
77% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. NKSH: 0.59 )
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: 0.59
0.39
0.58
3-Year Dividend Growth Rate 1.20
NKSH's 3-Year Dividend Growth Rate is ranked lower than
73% of the 836 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 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 % 2.38
NKSH's Forward Dividend Yield % is ranked higher than
54% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. NKSH: 2.38 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.57
NKSH's 5-Year Yield-on-Cost % is ranked lower than
51% of the 2826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.25 vs. NKSH: 2.57 )
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: 2.56  Med: 3.57 Max: 5.34
Current: 2.57
2.56
5.34

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.89
NKSH's Price-to-Tangible-Book is ranked lower than
63% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. NKSH: 1.89 )
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: 1.89
0.97
2.69
Price-to-Intrinsic-Value-Projected-FCF 1.04
NKSH's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
53% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. NKSH: 1.04 )
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: 0.77 Max: 1.2
Current: 1.04
0.49
1.2
Price-to-Median-PS-Value 1.64
NKSH's Price-to-Median-PS-Value is ranked lower than
71% of the 1419 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. NKSH: 1.64 )
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: 1 Max: 4.19
Current: 1.64
0.54
4.19
Price-to-Graham-Number 1.44
NKSH's Price-to-Graham-Number is ranked lower than
66% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. NKSH: 1.44 )
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: 0.95 Max: 1.36
Current: 1.44
0.28
1.36

More Statistics

Revenue (TTM) (Mil) $47.23
EPS (TTM) $ 1.97
Beta0.12
Volatility24.19%
52-Week Range $36.75 - 49.30
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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