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National BanksharesNKSH -2.61%63 5-Year Yield-on-Cost % is 4.54 as of Jul. 17, 2026, which is 5% above its 10-year median of 4.32. GuruFocus rates NKSH with a GF Score™ of 63/100 and a GF Value™ of $32.71 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,255 Banks companies, National Bankshares ranks better than 58.88% on this metric.
National Bankshares's yield on cost for the quarter that ended in Mar. 2026 was 4.54.
The historical rank and industry rank for National Bankshares's 5-Year Yield-on-Cost % or its related term are showing as below:
NKSH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.6 Med: 4.32 Max: 7.18
Current: 4.54
During the past 13 years, National Bankshares's highest Yield on Cost was 7.18. The lowest was 2.60. And the median was 4.32.
NKSH's 5-Year Yield-on-Cost % is ranked better than 58.88% of 1255
companies
in the Banks industry
Industry Median: 3.85
vs NKSH: 4.54
National Bankshares (NAS:NKSH) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
National Bankshares 5-Year Yield-on-Cost % Related Terms
NKSH vs INBK, MRBK, FBLA: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, National Bankshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, National Bankshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where National Bankshares's 5-Year Yield-on-Cost % falls into.
National Bankshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
National Bankshares (NKSH) has a 5-Year Yield-on-Cost % of 4.54 as of Jul. 17, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on National Bankshares and its competitors. This is near median its historical median of 4.32. Over the past decade, National Bankshares' 5-Year Yield-on-Cost % has ranged from 2.60 to 7.18. According to the industry distribution chart, National Bankshares ranks #516 out of 1255 companies in the Banks industry, placing it in the top 41.1%.
Is National Bankshares' 5-Year Yield-on-Cost % too high?
National Bankshares' current 5-Year Yield-on-Cost % of 4.54 is near median its 10-year median of 4.32. Over the past 10 years, this metric has ranged from a low of 2.60 to a high of 7.18. The Banks industry median 5-Year Yield-on-Cost % is 3.85. National Bankshares' value of 4.54 is 17.9% above this industry median. Based on the distribution chart, National Bankshares ranks #516 out of 1255 companies in the Banks industry, which is above 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' 5-Year Yield-on-Cost % compare to INBK and MRBK?
According to the Banks industry distribution chart, National Bankshares ranks #516 out of 1255 companies for 5-Year Yield-on-Cost %. This puts National Bankshares in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.85. National Bankshares' value of 4.54 is 17.9% above this benchmark. Historically, National Bankshares' own 5-Year Yield-on-Cost % has ranged from 2.60 to 7.18 over the past decade. While the company's 10-year median is 4.32 vs. the industry median of 3.85, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.85, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bankshares's current 5-Year Yield-on-Cost % of 4.54 is 17.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on National Bankshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bankshares's current 5-Year Yield-on-Cost % is 4.54, which is near median its own 10-year median of 4.32. 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 $32.71, compared to a current price of $36.59 — trading 11.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.54, which is near median its 10-year median of 4.32 and 17.9% above the Banks industry median of 3.85. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For National Bankshares (NKSH), the current 5-Year Yield-on-Cost % is 4.54 as of Jul. 17, 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 $36.59 is trading 11.9% above its estimated GF Value™ of $32.71.
GuruFocus considers National Bankshares to be Modestly Overvalued.
Key valuation signals for NKSH:
5-Year Yield-on-Cost %: 4.54 (near median its 10-year median of 4.32)
GF Value™: $32.71 vs. price of $36.59 (11.9% above fair value)
Industry Position: 17.9% above the Banks median (#516 of 1255)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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