National BanksharesNKSH +0.33%64 FCF Margin % is 20.07% as of Mar. 2026, which is 41% below its 10-year median of 34.16. GuruFocus rates NKSH with a GF Score™ of 64/100 and a GF Value™ of $33.12 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, National Bankshares ranks better than 53.95% on this metric.
The historical rank and industry rank for National Bankshares's FCF Margin % or its related term are showing as below:
NKSH'
s FCF Margin % Range Over the Past 10 Years
Min: 13.63 Med: 34.16 Max: 47.52
Current: 28.63
During the past 13 years, the highest FCF Margin % of National Bankshares was 47.52%. The lowest was 13.63%. And the median was 34.16%.
NKSH's FCF Margin % is ranked better than 53.95% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs NKSH: 28.63
National Bankshares FCF Margin % Related Terms
National Bankshares FCF Margin % Historical Data
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The historical data trend for National Bankshares's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, National Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where National Bankshares's FCF Margin % falls into.
* 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 FCF Margin % of 20.07% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on National Bankshares and its competitors. This is 41% below median its historical median of 34.16. Over the past decade, National Bankshares' FCF Margin % has ranged from 13.63 to 47.52. According to the industry distribution chart, National Bankshares ranks #693 out of 1505 companies in the Banks industry, placing it in the top 46%.
Is National Bankshares' FCF Margin % too high?
National Bankshares' current FCF Margin % of 20.07% is 41% below median its 10-year median of 34.16. Over the past 10 years, this metric has ranged from a low of 13.63 to a high of 47.52. The Banks industry median FCF Margin % is 26.55. National Bankshares' value of 20.07% is 24.4% below this industry median. Based on the distribution chart, National Bankshares ranks #693 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, National Bankshares has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does National Bankshares' FCF Margin % compare to PEBK and FBLA?
According to the Banks industry distribution chart, National Bankshares ranks #693 out of 1505 companies for FCF Margin %. This puts National Bankshares in the upper half of its industry. The industry median FCF Margin % is 26.55. National Bankshares' value of 20.07% is 24.4% below this benchmark. Historically, National Bankshares' own FCF Margin % has ranged from 13.63 to 47.52 over the past decade. While the company's 10-year median is 34.16 vs. the industry median of 26.55, National Bankshares has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bankshares's current FCF Margin % of 20.07% is 24.4% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on National Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bankshares's current FCF Margin % is 20.07%, which is 41% below median its own 10-year median of 34.16. 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 Fairly Valued. The stock's GF Value™ is $33.12, compared to a current price of $36.37 — trading 9.8% above its estimated fair value. The current FCF Margin % is 20.07%, which is 41% below median its 10-year median of 34.16 and 24.4% below the Banks industry median of 26.55. National Bankshares' overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For National Bankshares (NKSH), the current FCF Margin % is 20.07% 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 $36.37 is trading 9.8% above its estimated GF Value™ of $33.12.
GuruFocus considers National Bankshares to be Fairly Valued.
Key valuation signals for NKSH:
FCF Margin %: 20.07% (41% below median its 10-year median of 34.16)
GF Value™: $33.12 vs. price of $36.37 (9.8% above fair value)
Industry Position: 24.4% below the Banks median (#693 of 1505)
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.
64GF Score
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