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
Positive results in Jun 25
- NII(Q) Highest at USD 10.99 MM
- OPERATING PROFIT(Q) Highest at USD 4.63 MM
- OPERATING PROFIT MARGIN(Q) Highest at 24.97 %
3
With ROA of 0.37%, it has a very attractive valuation with a 1.02 Price to Book Value
- Over the past year, while the stock has generated a return of -7.69%, its profits have fallen by -17.6%
4
High Institutional Holdings at 36.07%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -7.69% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
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, Low Return
Absolute
Risk Adjusted
Volatility
National Bankshares, Inc.
-3.51%
0.02
33.94%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
NII(Q)
Highest at USD 10.99 MM
OPERATING PROFIT(Q)
Highest at USD 4.63 MM
OPERATING PROFIT MARGIN(Q)
Highest at 24.97 %
PRE-TAX PROFIT(Q)
Highest at USD 4.63 MM
NET PROFIT(Q)
Highest at USD 4 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 202.89%
CREDIT DEPOSIT RATIO(HY)
Highest at 62.09%
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for National Bankshares, Inc.
NII
Highest at USD 10.99 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Profit
Highest at USD 4.63 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 24.97 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 4.63 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 4 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Pre-Tax Profit
At USD 4.63 MM has Grown at 42.59%
over average net sales of the previous four periods of USD 3.25 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 4 MM has Grown at 41.47%
over average net sales of the previous four periods of USD 2.82 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Credit Deposit Ratio
Highest at 62.09%
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 (%)
Dividend Payout Ratio
Highest at 202.89%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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