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National BanksharesNKSH -0.83%63 EV-to-OCF is 10.26 as of Aug. 21, 2026, which is 35% above its 10-year median of 7.61. GuruFocus rates NKSH with a GF Score™ of 63/100 and a GF Value™ of $35.06 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,495 Banks companies, National Bankshares ranks worse than 71.84% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, National Bankshares's Enterprise Value is $206.00 Mil.
National Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $20.07 Mil. Therefore, National Bankshares's EV-to-OCF for today is 10.26.
The historical rank and industry rank for National Bankshares's EV-to-OCF or its related term are showing as below:
NKSH'
s EV-to-OCF Range Over the Past 10 Years
Min: 2.58 Med: 7.61 Max: 24.86
Current: 10.26
During the past 13 years, the highest EV-to-OCF of National Bankshares was 24.86. The lowest was 2.58. And the median was 7.61.
NKSH's EV-to-OCF is ranked worse than 71.84% of 1495
companies
in the Banks industry
Industry Median: 3.9
vs NKSH: 10.26
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
National Bankshares (NAS:NKSH) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
National Bankshares's PE Ratio (TTM) for today is calculated as:
National Bankshares's share price for today is $40.90.
National Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.180.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
National Bankshares EV-to-OCF Related Terms
National Bankshares EV-to-OCF Historical Data
* Premium members only.
The historical data trend for National Bankshares's EV-to-OCF 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.
For the Banks - Regional subindustry, National Bankshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
National Bankshares EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, National Bankshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where National Bankshares's EV-to-OCF falls into.
National Bankshares's current Enterprise Value is $206.00 Mil.
National Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $20.07 Mil.
* 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 (NKSH) has a EV-to-OCF of 10.26 as of Aug. 21, 2026. This is 35% above median its historical median of 7.61. Over the past decade, National Bankshares' EV-to-OCF has ranged from 2.58 to 24.86. According to the industry distribution chart, National Bankshares ranks #1074 out of 1495 companies in the Banks industry, placing it in the top 71.8%.
Is National Bankshares' EV-to-OCF too high?
National Bankshares' current EV-to-OCF of 10.26 is 35% above median its 10-year median of 7.61. Over the past 10 years, this metric has ranged from a low of 2.58 to a high of 24.86. The Banks industry median EV-to-OCF is 3.90. National Bankshares' value of 10.26 is 163.1% above this industry median. Based on the distribution chart, National Bankshares ranks #1074 out of 1495 companies in the Banks industry, which is below the industry midpoint. Overall, National Bankshares has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bankshares' EV-to-OCF compare to OPBK and FFMH?
According to the Banks industry distribution chart, National Bankshares ranks #1074 out of 1495 companies for EV-to-OCF. This places National Bankshares in the lower half of its industry. The industry median EV-to-OCF is 3.90. National Bankshares' value of 10.26 is 163.1% above this benchmark. Historically, National Bankshares' own EV-to-OCF has ranged from 2.58 to 24.86 over the past decade. While the company's 10-year median is 7.61 vs. the industry median of 3.90, National Bankshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.90, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bankshares's current EV-to-OCF of 10.26 is 163.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bankshares's current EV-to-OCF is 10.26, which is 35% above median its own 10-year median of 7.61. 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 $35.06, compared to a current price of $40.90 — trading 16.7% above its estimated fair value. The current EV-to-OCF is 10.26, which is 35% above median its 10-year median of 7.61 and 163.1% above the Banks industry median of 3.90. National Bankshares' overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For National Bankshares (NKSH), the current EV-to-OCF is 10.26 as of Aug. 21, 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 $40.90 is trading 16.7% above its estimated GF Value™ of $35.06.
GuruFocus considers National Bankshares to be Modestly Overvalued.
Key valuation signals for NKSH:
EV-to-OCF: 10.26 (35% above median its 10-year median of 7.61)
GF Value™: $35.06 vs. price of $40.90 (16.7% above fair value)
Industry Position: 163.1% above the Banks median (#1074 of 1495)
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 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.
63GF Score
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