National BanksharesNKSH -0.41%64 OCF Margin % is 21.57% as of Mar. 2026, which is 41% below its 10-year median of 36.62. GuruFocus rates NKSH with a GF Score™ of 64/100 and a GF Value™ of $33.12 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,501 Banks companies, National Bankshares ranks better than 54.5% on this metric.
The historical rank and industry rank for National Bankshares's OCF Margin % or its related term are showing as below:
NKSH'
s OCF Margin % Range Over the Past 10 Years
Min: 20.81 Med: 36.62 Max: 49.64
Current: 32.08
During the past 13 years, the highest OCF Margin % of National Bankshares was 49.64%. The lowest was 20.81%. And the median was 36.62%.
NKSH's OCF Margin % is ranked better than 54.5% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs NKSH: 32.08
National Bankshares OCF Margin % Related Terms
National Bankshares OCF Margin % Historical Data
* Premium members only.
The historical data trend for National Bankshares's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, National Bankshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where National Bankshares's OCF 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 OCF Margin % of 21.57% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on National Bankshares and its competitors. This is 41% below median its historical median of 36.62. Over the past decade, National Bankshares' OCF Margin % has ranged from 20.81 to 49.64. According to the industry distribution chart, National Bankshares ranks #683 out of 1501 companies in the Banks industry, placing it in the top 45.5%.
Is National Bankshares' OCF Margin % too high?
National Bankshares' current OCF Margin % of 21.57% is 41% below median its 10-year median of 36.62. Over the past 10 years, this metric has ranged from a low of 20.81 to a high of 49.64. The Banks industry median OCF Margin % is 29.44. National Bankshares' value of 21.57% is 26.7% below this industry median. Based on the distribution chart, National Bankshares ranks #683 out of 1501 companies in the Banks industry, which is above the industry midpoint. 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' OCF Margin % compare to PEBK and FBLA?
According to the Banks industry distribution chart, National Bankshares ranks #683 out of 1501 companies for OCF Margin %. This puts National Bankshares in the upper half of its industry. The industry median OCF Margin % is 29.44. National Bankshares' value of 21.57% is 26.7% below this benchmark. Historically, National Bankshares' own OCF Margin % has ranged from 20.81 to 49.64 over the past decade. While the company's 10-year median is 36.62 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bankshares's current OCF Margin % of 21.57% is 26.7% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on National Bankshares and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bankshares's current OCF Margin % is 21.57%, which is 41% below median its own 10-year median of 36.62. 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 $36.10 — trading 9% above its estimated fair value. The current OCF Margin % is 21.57%, which is 41% below median its 10-year median of 36.62 and 26.7% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For National Bankshares (NKSH), the current OCF Margin % is 21.57% 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 $36.10 is trading 9% above its estimated GF Value™ of $33.12.
GuruFocus considers National Bankshares to be Modestly Overvalued.
Key valuation signals for NKSH:
OCF Margin %: 21.57% (41% below median its 10-year median of 36.62)
GF Value™: $33.12 vs. price of $36.10 (9% above fair value)
Industry Position: 26.7% below the Banks median (#683 of 1501)
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
Get the complete analysis for NKSH
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NKSH has been successfully added to your 
