ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is National Bankshares, Inc. ?
1
The Bank has a high Capital Adequacy Ratio of 17.37% signifying high buffers against its risk based assets
2
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 16.56 MM
- ROCE(HY) Highest at 1.12%
- NII(Q) Highest at USD 13.05 MM
3
With ROA of 0.59%, it has a fair valuation with a 1.23 Price to Book Value
- Over the past year, while the stock has generated a return of 51.20%, its profits have risen by 66.3% ; the PEG ratio of the company is 0.2
4
High Institutional Holdings at 43.04%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 4.88% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 51.20% in the last 1 year, much higher than market (S&P 500) returns of 22.36%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to National Bankshares, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is National Bankshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
National Bankshares, Inc.
51.2%
1.57
27.88%
S&P 500
22.36%
1.70
13.18%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.35%
EBIT Growth (5y)
2.65%
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
60.71%
Pledged Shares
0
Institutional Holding
38.16%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.23
EV to EBIT
8.34
EV to EBITDA
7.88
EV to Capital Employed
1.33
EV to Sales
2.22
PEG Ratio
0.19
Dividend Yield
4.24%
ROCE (Latest)
15.98%
ROE (Latest)
9.52%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 16.56 MM
ROCE(HY)
Highest at 1.12%
NII(Q)
Highest at USD 13.05 MM
NET PROFIT(9M)
Higher at USD 15.89 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 62.27%
-3What is not working for the Company
ROCE(HY)
Lowest at 1.12%
CASH AND EQV(HY)
Lowest at USD 16.83 MM
Here's what is working for National Bankshares, Inc.
Operating Cash Flow
Highest at USD 16.56 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
NII
Highest at USD 13.05 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Profit
At USD 15.89 MM has Grown at 53.24%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 62.27%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Profit
Higher at USD 15.89 MM
than preceding 12 month period ended Jun 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Here's what is not working for National Bankshares, Inc.
Cash and Eqv
Lowest at USD 16.83 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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