arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

NATIONAL BANKSHARES INC

NKSH

$39.56 ▼ -0.81 (-2.01%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

auto_awesome

Analytical Summary

NATIONAL BANKSHARES INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $251.6M

Dividend Yield 3.82%

Revenue Growth 22.5% ↗

Op. Margin 34.5% ↗

ROIC None

FCF / Share None

Trailing P/E 15.9x

Price / Book 1.4x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$55.56M

↑ +22.5% —

Net Income Profit after all expenses

$15.83M

↑ +107.6% —

Operating Margin Operating profit as % of sales

34.5%

↑ +71.5% 90th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.51 Latest / share

+0.0% YoY

+3.7% 9-yr CAGR

$1.13

FY 2014

$1.14

FY 2015

FY 2016

FY 2017

FY 2018

$1.39

FY 2019

$1.39

FY 2020

$1.44

FY 2021

$1.50

FY 2022

$2.51

FY 2023

$1.51

FY 2024

$1.51

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	22.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+275%)	-2.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-146%)	-21.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-459%)	18.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+202%)	9.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+52%)	-0.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-116%)	1.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-76%)	2.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	-4.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-169%)	-3.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-153%)	0.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-98%)	-1.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-129%)	-1.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-117%)	0.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-88%)	6.1% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	6.6% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+10%)	—	—
EPS Growth YoY (%)	100.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-53.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-38.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	32.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	32.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-6.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	14.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-5.6% Weak → Weak Stable Year-over-year change in earnings per share Optimal: > 10%	-5.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	0.8% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	12.9% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	8.7% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	107.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-51.4% Weak ↓ Weak Declining Year-over-year change in net income	-39.5% Weak ↓ Weak Declining Year-over-year change in net income	27.2% Excellent ↑ Excellent Improving Year-over-year change in net income	26.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-8.0% Weak ↓ Weak Declining Year-over-year change in net income	8.1% Fair ↑ Fair Improving Year-over-year change in net income	14.6% Fair ↑ Fair Improving Year-over-year change in net income	-5.7% Weak → Weak Stable Year-over-year change in net income	-5.6% Weak ↓ Weak Declining Year-over-year change in net income	-6.4% Weak ↓ Weak Declining Year-over-year change in net income	-4.9% Weak ↓ Weak Declining Year-over-year change in net income	0.2% Caution ↓ Caution Declining Year-over-year change in net income	0.6% Caution ↓ Caution Declining Year-over-year change in net income	13.3% Fair Fair Year-over-year change in net income	8.7% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-2.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	8.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-1.6% Weak → Weak Stable Compound annual revenue growth over 3 years	-2.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.9% Weak Weak Compound annual revenue growth over 3 years	4.4% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.8% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-0.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	5.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.5% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-0.9% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-0.7% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-1.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-2.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.8% Weak Weak Compound annual revenue growth over 5 years	2.1% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-16.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-27.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	17.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	6.9% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	7.2% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	0.6% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-5.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-3.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.4% Caution Caution Compound annual EPS growth over 3 years	7.3% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	34.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	20.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	40.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	53.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+114%)	49.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	17.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	28.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	16.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	33.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	43.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	40.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	34.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	37.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	35.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	31.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	32.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	32.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	35.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	36.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	35.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	35.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	33.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	32.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	11.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	21.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+76%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	8.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	8.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	7.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	8.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	9.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	10.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	12.2% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.8% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.7% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$8.74	$7.36	$7.92	$9.92	$8.10	$7.11	$7.07	$6.60	$6.43	$6.71	$6.93	$6.93	$7.05	$7.13	$7.09	$6.68	—	—
Basic EPS, GAAP (USD)	$2.49	$1.24	$2.66	$4.33	$3.28	$2.48	$2.65	$2.32	$2.03	$2.15	$2.28	$2.43	$2.56	$2.56	$2.54	$2.25	$2.07	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.51	$1.51	$2.51	$1.50	$1.44	$1.39	$1.39	—	—	—	$1.14	$1.13	$1.12	$1.10	$1.00	$0.91	$0.84	—
Book Value per Share (USD)	$29.04	$24.58	$23.84	$20.83	$31.62	$31.44	$28.31	$27.34	$26.57	$25.62	$24.74	$23.93	$21.00	$21.60	$20.36	$18.63	—	—
Tangible Book Value per Share (USD)	$27.12	$22.60	$22.85	$19.84	$30.66	$30.53	$27.41	$26.50	$25.73	$24.78	$23.90	$23.09	$20.16	$20.76	$19.52	$18.63	—	—
Basic Weighted Avg Shares (shares)	6.36M	6.16M	5.89M	5.99M	6.21M	6.48M	6.58M	6.96M	6.96M	6.96M	6.95M	6.95M	6.95M	6.94M	6.94M	6.93M	—	—
Dividend Payout Ratio (%)	60.6% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	121.8% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	94.4% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	43.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	56.0% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	52.5% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	50.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	46.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	40.4% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	40.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$184.91M	$156.41M	$140.52M	$122.69M	$191.75M	$202.19M	$183.73M	$190.24M	$184.90M	$178.26M	$172.11M	$166.30M	$145.89M	$150.11M	$141.30M	$129.19M	$122.08M	$110.11M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$55.56M	$45.36M	$46.64M	$59.43M	$50.31M	$46.12M	$46.56M	$45.91M	$44.77M	$46.70M	$48.22M	$48.16M	$49.01M	$49.52M	$49.17M	$46.33M	$43.47M	—
Depreciation Expense (USD)	$1.10M	$900.00K	$754.00K	$609.00K	$636.00K	$708.00K	$739.00K	$766.00K	$805.00K	$801.00K	$749.00K	$732.00K	$726.00K	$764.00K	$799.00K	$886.00K	—	—
Net Income, GAAP (USD)	$15.83M	$7.62M	$15.69M	$25.93M	$20.38M	$16.08M	$17.47M	$16.15M	$14.09M	$14.94M	$15.83M	$16.91M	$17.79M	$17.75M	$17.64M	$15.57M	$14.32M	—
Operating Cash Flow (USD)	$17.89M	$9.44M	$15.52M	$29.50M	$22.88M	$13.79M	$18.83M	$19.80M	$10.99M	$17.53M	—	—	—	$22.71M	$19.46M	$18.57M	$14.87M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.5%	2.0%	2.3%	2.8%	2.5%	2.5%	2.9%	3.0%	3.0%	3.0%	3.2%	3.4%	3.6%	3.7%	3.8%	—	—	—
Efficiency Ratio (%) (%)	65.5%	77.2%	62.7%	45.4%	51.8%	54.1%	55.3%	59.4%	54.1%	56.0%	53.2%	50.7%	49.7%	47.2%	47.5%	49.9%	54.9%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 18 years · 68 quarters

NATIONAL BANKSHARES INC

Analytical Summary

18-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare NKSH with peers