National Bankshares, Inc.

  • Market Cap: Micro Cap
  • Industry: Major Banks
  • ISIN: US6348651091
USD
30.23
0.96 (3.28%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

8.77 k

Shareholding (Mar 2025)

FII

0.98%

Held by 17 FIIs

DII

82.82%

Held by 16 DIIs

Promoter

0.00%

How big is National Bankshares, Inc.?

22-Jun-2025

As of Jun 18, National Bankshares, Inc. has a market capitalization of 162.33 million and total assets of 1,817.32 million, with shareholder's funds at 156.41 million.

As of Jun 18, National Bankshares, Inc. has a market capitalization of 162.33 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of net profit for the latest four quarters is 8.69 million. The interest earned during the same period totals 72.31 million.<BR><BR>As of Dec'24, the reporting period shows Shareholder's Funds at 156.41 million and Total Assets amounting to 1,817.32 million.

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What does National Bankshares, Inc. do?

22-Jun-2025

National Bankshares, Inc. is a financial holding company that offers banking services through its community bank subsidiary, with a recent net profit of $3 million and a market cap of $162.33 million. Key metrics include a P/E ratio of 15.00 and a dividend yield of 5.13%.

Overview:<BR>National Bankshares, Inc. is a financial holding company operating in the Major Banks industry, focusing on providing a range of banking services through its community bank subsidiary.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 18 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 3 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 162.33 Million (Micro Cap) <BR><BR>Key Metrics:<BR>P/E: 15.00 <BR>Dividend Yield: 5.13% <BR>Debt Equity: 0.00 <BR>Return on Equity: 6.75% <BR>Price to Book: 0.97 <BR><BR>Contact Details:<BR>Address: 101 Hubbard St,, PO Box 90002 BLACKSBURG VA : 24060-5743 <BR>Tel: 1 540 9516300 <BR>Website: http://www.nationalbankshares.com/

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Should I buy, sell or hold National Bankshares, Inc.?

22-Jun-2025

Who are in the management team of National Bankshares, Inc.?

22-Jun-2025

As of March 2022, the management team of National Bankshares, Inc. includes F. Brad Denardo (Chairman, President, CEO), Charles Green (Vice Chairman), and several independent directors: Lawrence Ball, John Dooley, Michael Dye, Norman Fitzwater, and Mildred Johnson. They oversee the company's operations and strategic direction.

As of March 2022, the management team of National Bankshares, Inc. includes the following individuals:<BR><BR>- Mr. F. Brad Denardo: Chairman of the Board, President, Chief Executive Officer<BR>- Mr. Charles Green: Vice Chairman of the Board<BR>- Mr. Lawrence Ball: Independent Director<BR>- Dr. John Dooley: Independent Director<BR>- Mr. Michael Dye: Independent Director<BR>- Mr. Norman Fitzwater: Independent Director<BR>- Mrs. Mildred Johnson: Independent Director<BR><BR>This team is responsible for overseeing the operations and strategic direction of the company.

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Is National Bankshares, Inc. overvalued or undervalued?

20-Sep-2025

As of April 24, 2025, National Bankshares, Inc. is considered very attractive due to its undervalued metrics, including a P/E ratio of 15 and a recent positive return of 9.41%, despite underperforming the S&P 500 over longer periods.

As of 24 April 2025, the valuation grade for National Bankshares, Inc. moved from expensive to very attractive, indicating a significant improvement in its valuation outlook. The company appears undervalued, supported by a P/E ratio of 15, a Price to Book Value of 1.02, and an EV to EBITDA ratio of 3.56. In comparison, Alerus Financial Corp. has a P/E of 13.80, while Capital Bancorp, Inc. boasts a lower P/E of 11.92, highlighting National Bankshares' relative attractiveness within its peer group.<BR><BR>Despite underperforming the S&P 500 over longer periods, with a 1-year return of 5.30% compared to the S&P 500's 17.14%, the company's recent performance over the past month shows a positive return of 9.41%, suggesting a potential turnaround. Overall, the metrics indicate that National Bankshares, Inc. is positioned favorably in the market.

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Is National Bankshares, Inc. technically bullish or bearish?

20-Sep-2025

As of September 11, 2025, National Bankshares, Inc. shows a bullish trend with a 4.98% weekly return and 9.41% monthly return, but mixed technical signals and underperformance in longer-term returns compared to the S&P 500 suggest caution.

As of 11 September 2025, the technical trend for National Bankshares, Inc. has changed from mildly bullish to bullish. The weekly MACD is bullish, supported by bullish signals from the Bollinger Bands and daily moving averages. However, the KST shows a bearish stance on the monthly timeframe, and the Dow Theory indicates a mildly bearish trend on the weekly. The overall technical stance is bullish, but with some mixed signals indicating caution.<BR><BR>In terms of performance, the stock has returned 4.98% over the past week and 9.41% over the past month, outperforming the S&P 500, which returned 1.05% and 2.33% respectively. However, the year-to-date return of 9.37% lags behind the S&P 500's 12.22%, and the longer-term returns show underperformance over 1 year, 3 years, and 5 years compared to the benchmark.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

The Bank has a high Capital Adequacy Ratio of 17.37% signifying high buffers against its risk based assets

 
2

Positive results in Jun 25

3

With ROA of 0.37%, it has a very attractive valuation with a 1.02 Price to Book Value

4

High Institutional Holdings at 36.07%

5

Consistent Underperformance against the benchmark over the last 3 years

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Major Banks

stock-summary
Market cap

USD 199 Million (Micro Cap)

stock-summary
P/E

15.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

4.18%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

7.81%

stock-summary
Price to Book

1.18

Revenue and Profits:
Net Sales:
19 Million
(Quarterly Results - Jun 2025)
Net Profit:
2 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-0.95%
0%
-0.95%
6 Months
18.55%
0%
18.55%
1 Year
-3.51%
0%
-3.51%
2 Years
9.41%
0%
9.41%
3 Years
-23.74%
0%
-23.74%
4 Years
-17.2%
0%
-17.2%
5 Years
-6.23%
0%
-6.23%

National Bankshares, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
10.45%
EBIT Growth (5y)
-2.35%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
122.09%
Pledged Shares
0
Institutional Holding
36.07%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
1.02
EV to EBIT
3.94
EV to EBITDA
3.56
EV to Capital Employed
1.09
EV to Sales
0.64
PEG Ratio
NA
Dividend Yield
4.86%
ROCE (Latest)
27.67%
ROE (Latest)
6.75%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 22 Schemes (16.19%)

Foreign Institutions

Held by 17 Foreign Institutions (0.98%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About National Bankshares, Inc. stock-summary
stock-summary
National Bankshares, Inc.
Major Banks
National Bankshares, Inc. is a financial holding company. The Company conducts its operations through its community bank subsidiary, the National Bank of Blacksburg (NBB or the Bank). NBB offers a range of retail and commercial banking services to individuals, businesses, non-profits and local governments. NBB has telephone and Internet banking. NBB focuses lending on small and mid-sized businesses and individuals. The Company's investment portfolio includes corporate bonds. It also invests in municipal bonds. NBI's primary source of funds is deposits. Deposit products offered by the Bank include interest-bearing and non-interest bearing demand deposit accounts, money market deposit accounts, savings accounts, certificates of deposit and individual retirement accounts. The Company owns National Bankshares Financial Services, Inc. (NBFS), which does business as National Bankshares Insurance Services and National Bankshares Investment Services.
Company Coordinates stock-summary
Company Details
101 Hubbard St,, PO Box 90002 BLACKSBURG VA : 24060-5743
stock-summary
Tel: 1 540 95163001 540 9516300
stock-summary
Registrar Details