National Bankshares has the GF Score of 64, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes National Bankshares
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
National Bankshares (NAS:NKSH) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
National Bankshares GF Score Related Terms
NKSH vs INBK, MRBK, FBLA: GF Score Comparison
For the Banks - Regional subindustry, National Bankshares's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, National Bankshares's GF Score distribution charts can be found below:
* The bar in red indicates where National Bankshares's GF Score falls into.
National Bankshares (NKSH) has a GF Score of 64 as of Jul. 01, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on National Bankshares and its competitors. This is 12% below median its historical median of 73.00. Over the past decade, National Bankshares' GF Score has ranged from 62.00 to 86.00.
Is National Bankshares' GF Score too high?
National Bankshares' current GF Score of 64 is 12% below median its 10-year median of 73.00. Over the past 10 years, this metric has ranged from a low of 62.00 to a high of 86.00. Overall, National Bankshares has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bankshares' GF Score compare to INBK and MRBK?
National Bankshares' GF Score of 64 can be compared against companies in the Banks industry. Historically, National Bankshares' own GF Score has ranged from 62.00 to 86.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on National Bankshares and its competitors. National Bankshares's current GF Score is 64, which is 12% below median its own 10-year median of 73.00. 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 $33.12, compared to a current price of $37.21 — trading 12.3% above its estimated fair value. The current GF Score is 64, which is 12% below median its 10-year median of 73.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For National Bankshares (NKSH), the current GF Score is 64 as of Jul. 01, 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 $37.21 is trading 12.3% above its estimated GF Value™ of $33.12.
GuruFocus considers National Bankshares to be Modestly Overvalued.
Key valuation signals for NKSH:
GF Score: 64 (12% below median its 10-year median of 73.00)
GF Value™: $33.12 vs. price of $37.21 (12.3% above fair value)
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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