NKSH (National Bankshares) Net Loan: $986.26 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NKSH National Bankshares Inc NKSH
65 GF Score
Price $36.47
GF Value $32.45
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is National Bankshares Net Loan?

National Bankshares NKSH +2.46% 65 Net Loan is $986.26 Mil as of Mar. 2026. GuruFocus rates NKSH with a GF Score™ of 65/100 and a GF Value™ of $32.45 (Modestly Overvalued). The stock has 4 warning signs investors should review.

National Bankshares's quarterly net loan declined from Sep. 2025 ($1,006.36 Mil) to Dec. 2025 ($989.42 Mil) and declined from Dec. 2025 ($989.42 Mil) to Mar. 2026 ($986.26 Mil).

National Bankshares's annual net loan increased from Dec. 2023 ($847.96 Mil) to Dec. 2024 ($989.42 Mil) and increased from Dec. 2024 ($989.42 Mil) to Dec. 2025 ($986.26 Mil).

National Bankshares Net Loan Historical Data

* Premium members only.

The historical data trend for National Bankshares's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

National Bankshares Net Loan Chart

National Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 796.19 844.52 847.96 978.31 989.42

National Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,001.35 1,006.36 989.42 986.26 1,004.94
NKSH
65GF Score
National Bankshares Inc NKSH
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Bankshares Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $986.26 Mil mean?
National Bankshares (NKSH) has a Net Loan of $986.26 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on National Bankshares and its competitors.
Is National Bankshares' Net Loan too high?
National Bankshares' current Net Loan is $986.26 Mil. Overall, National Bankshares has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bankshares' Net Loan compare to OPBK and FFMH?
National Bankshares' Net Loan of $986.26 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on National Bankshares and its competitors. National Bankshares's current Net Loan is $986.26 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bankshares stock overvalued right now?
Based on GuruFocus' analysis, National Bankshares (NKSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $32.45, compared to a current price of $36.47 — trading 12.4% above its estimated fair value. The current Net Loan is $986.26 Mil. National Bankshares' overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For National Bankshares (NKSH), the current Net Loan is $986.26 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is National Bankshares (NKSH) Overvalued in 2026?

Based on GuruFocus' analysis, National Bankshares stock appears to be overvalued. The current stock price of $36.47 is trading 12.4% above its estimated GF Value™ of $32.45. GuruFocus considers National Bankshares to be Modestly Overvalued.

Key valuation signals for NKSH:

  • Net Loan: $986.26 Mil
  • GF Value™: $32.45 vs. price of $36.47 (12.4% above fair value)
  • GF Score™: 65/100 with 4 warning signs

No single metric tells the full story. See the NKSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

National Bankshares Business Description

Other Exchanges 9F2:Germany
Address 101 Hubbard Street, Blacksburg, VA, USA, 24062-9002
National Bankshares Inc is a bank holding company. It focuses on lending to small and mid-sized businesses and individuals. The types of loans it offers include commercial and agricultural loans, commercial real estate, construction loans for commercial and residential properties, residential real estate, home equity, and various consumer loan products. It also operates an insurance and brokerage subsidiary. The company earns its revenue from interest and fees on loans, non-interest income, and investments.
65GF Score

Get the complete analysis for NKSH

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$36.47
Price
$32.45
GF Value