What is National Bankshares Inc/VA's earnings per share (EPS)?

National Bankshares Inc/VA (NKSH) reported diluted earnings per share of $2.49 for fiscal year 2025. This represents a 100.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

National Bankshares Inc/VA (NKSH) Financials

NKSH

Trailing 12 months to June 30, 2026

Revenue $60.5M +20.8% YoY

Net Income $20.3M +80.0% YoY

EPS (Diluted) $3.19 +79.2% YoY

Free Cash Flow $18.4M +88.7% YoY

Market Cap $275.2M as of Oct 13, 2026

Price / Sales 4.6x on $60.5M revenue, trailing 12 months to June 30, 2026

Price / Earnings 13.5x on $20.3M net income, trailing 12 months to June 30, 2026

Price / Book 1.4x on $192.2M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 12, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the NKSH SEC filings page.

National Bankshares Inc/VA (NKSH) reported $60.5M in revenue over the twelve months to Jun 30, 2026, up 20.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI NKSH FY2025 2026-10-04

The bank’s FY2025 recovery restored earnings and cash generation, but its balance sheet remains heavily financed by liabilities relative to equity.

In FY2025, operating cash flow of $17.9M exceeded net income of $15.8M, indicating that reported earnings were broadly realized in cash rather than supported by a widening accrual gap. That cash performance coincided with lower balance-sheet leverage: debt-to-equity fell from 10.6x in FY2024 to 8.9x in FY2025.

Revenue recovered to $55.6M in FY2025 from $45.4M in FY2024. Net profit margin also improved from 16.8% to 28.5%, so the rebound reflects restored profitability alongside higher activity, not volume alone.

The capital structure remains liability-heavy: FY2025 liabilities were $1.64B against $184.9M of equity, making funding structure central to results. Equity’s increase from $156.4M in FY2024 to $184.9M helped reduce leverage, strengthening the balance-sheet cushion without changing its basic financing model.

Financial Health Signals

Financial Health Score 50/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of National Bankshares Inc/VA's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

National Bankshares Inc/VA earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.4% the prior year. Earnings ranks banks on that return over three years, and National Bankshares Inc/VA scores 39/100 among other banks.

Growth

National Bankshares Inc/VA reported revenue of $55.6M in fiscal year 2025, against $45.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and National Bankshares Inc/VA scores 56/100 among other banks.

Capital

National Bankshares Inc/VA funded 10.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $184.9M of equity against $1.8B of assets. Capital ranks banks on that cushion, and National Bankshares Inc/VA scores 32/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. National Bankshares Inc/VA scores 35/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. National Bankshares Inc/VA scores 98/100 on it among other banks.

Stability

National Bankshares Inc/VA reported net income of $15.8M in fiscal year 2025, against $7.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and National Bankshares Inc/VA scores 40/100 among other banks.

Piotroski F-Score Partial

5/6

National Bankshares Inc/VA passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.13x

For every $1 of reported earnings, National Bankshares Inc/VA generates $1.13 in operating cash flow ($17.9M OCF vs $15.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$15.7M

YoY+18.3%

QoQ+2.6%

5Y CAGR+5.5%

10Y CAGR+2.9%

National Bankshares Inc/VA generated $15.7M in revenue in Q2 2026. This represents an increase of 18.3% from the same quarter a year earlier. Against the prior quarter it is up 2.6%.

Net Income

$5.0M

YoY+119.7%

QoQ+1.0%

5Y CAGR+1.7%

10Y CAGR+2.7%

National Bankshares Inc/VA reported $5.0M in net income in Q2 2026. This represents an increase of 119.7% from the same quarter a year earlier. Against the prior quarter it is up 1.0%.

EPS (Diluted)

$0.79

YoY+119.4%

QoQ+1.3%

National Bankshares Inc/VA earned $0.79 per diluted share (EPS) in Q2 2026. This represents an increase of 119.4% from the same quarter a year earlier. Against the prior quarter it is up 1.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$3.3M

YoY+118.0%

QoQ+8.2%

National Bankshares Inc/VA generated $3.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 118.0% from the same quarter a year earlier. Against the prior quarter it is up 8.2%.

Cash & Debt

$54.6M

YoY-41.2%

QoQ-12.2%

National Bankshares Inc/VA held $54.6M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.75

YoY+2.7%

National Bankshares Inc/VA paid $0.75 per share in dividends in Q2 2026. This represents an increase of 2.7% from the same quarter a year earlier.

Shares Outstanding

YoY+0.1%

QoQ0.0%

5Y CAGR+0.6%

10Y CAGR-0.9%

National Bankshares Inc/VA had 6M shares outstanding in Q2 2026. This represents an increase of 0.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

32.0%

YoY+14.8pp

QoQ-0.5pp

5Y change-6.4pp

10Y change-0.6pp

National Bankshares Inc/VA's net profit margin was 32.0% in Q2 2026, showing the share of revenue converted to profit. This is up 14.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.

Return on Equity

2.6%

YoY+1.3pp

QoQ0.0pp

5Y change+0.2pp

10Y change+0.5pp

National Bankshares Inc/VA's ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.3 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$190K

YoY-65.0%

QoQ-17.0%

National Bankshares Inc/VA invested $190K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 65.0% from the same quarter a year earlier. Against the prior quarter it is down 17.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

NKSH Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NKSH quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$60.5M	$55.6M+22.5%	$45.4M-2.8%	$46.6M-21.5%	$59.4M+18.1%	$50.3M+9.1%	$46.1M-0.9%	$46.6M+1.4%	$45.9M+2.5%	$44.8M+2.0%	$43.9M-9.0%	$48.2M+0.1%	$48.2M-1.6%	$48.9M-1.3%	$49.6M+0.7%	$49.3M
SG&A Expenses	$22.1M	$20.9M+8.7%	$19.2M+10.8%	$17.3M+4.8%	$16.5M+4.9%	$15.7M+7.3%	$14.7M-1.6%	$14.9M+2.9%	$14.5M+6.1%	$13.7M+7.8%	$12.7M+1.3%	$12.5M+7.9%	$11.6M-2.5%	$11.9M-0.8%	$12.0M+5.7%	$11.4M
Interest Expense	$27.0M	$29.8M-11.8%	$33.7M+56.5%	$21.6M+599.0%	$3.1M-92.6%	$41.9M+617.6%	$5.8M-20.9%	$7.4M+46.2%	$5.0M+22.4%	$4.1M-88.8%	$36.8M-5.1%	$38.7M-0.8%	$39.0M-1.7%	$39.7M-2.3%	$40.6M	$0
Income Tax	$4.4M	$3.3M+122.8%	$1.5M-49.8%	$3.0M-48.8%	$5.8M+37.2%	$4.3M+38.2%	$3.1M-4.2%	$3.2M+25.4%	$2.6M-59.3%	$6.3M+59.2%	$4.0M-16.6%	$4.7M-8.5%	$5.2M-2.6%	$5.3M+1.4%	$5.2M0.0%	$5.2M
Net Income	$20.3M	$15.8M+107.6%	$7.6M-51.4%	$15.7M-39.5%	$25.9M+27.2%	$20.4M+26.8%	$16.1M-8.0%	$17.5M+8.1%	$16.2M+14.6%	$14.1M-5.7%	$14.9M-5.6%	$15.8M-6.4%	$16.9M-4.9%	$17.8M+0.2%	$17.7M+0.6%	$17.6M
EPS (Basic)	N/A	$2.49+100.8%	$1.24-53.4%	$2.66-38.6%	$4.33+32.0%	$3.28+32.3%	$2.48-6.4%	$2.65+14.2%	$2.32+14.3%	$2.03-5.6%	$2.15-5.7%	$2.28-6.2%	$2.43-5.1%	$2.560.0%	$2.56+0.8%	$2.54
EPS (Diluted)	$3.19	$2.49+100.8%	$1.24-53.4%	$2.66-38.6%	$4.33	N/A	$2.48-6.4%	$2.65+14.2%	$2.32+14.3%	$2.03-5.6%	$2.15-5.7%	$2.28-6.2%	$2.43-4.7%	$2.550.0%	$2.55+0.4%	$2.54
Diluted Shares (Avg)	N/A	6M+3.2%	6M+4.6%	6M-1.7%	6M	N/A	N/A	N/A	N/A	7M0.0%	7M0.0%	7M0.0%	7M-0.1%	7M+0.1%	7M+0.1%	7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$15.7M+18.3%	$15.3M+19.4%	$15.3M+24.7%	$14.2M+21.2%	$13.3M+21.2%	$12.8M+22.7%	$12.2M+14.1%	$11.7M+9.0%
SG&A Expenses	$5.8M+11.1%	$5.8M+12.6%	$5.4M+5.5%	$5.1M+3.3%	$5.2M+11.2%	$5.2M+16.0%	$5.1M+28.3%	$5.0M+11.0%
Interest Expense	$6.4M-15.1%	$6.3M-20.5%	$6.9M-16.7%	$7.3M-20.4%	$7.5M-10.4%	$7.9M+2.2%	$8.3M+18.2%	$9.2M+52.6%
Income Tax	$1.0M+189.5%	$1.1M+60.1%	$1.4M+121.8%	$961K+74.7%	$362K+303.4%	$666K+28.6%	$609K-30.7%	$550K-10.9%
Net Income	$5.0M+119.7%	$5.0M+53.9%	$5.9M+91.0%	$4.4M+65.1%	$2.3M+845.6%	$3.2M+48.9%	$3.1M-26.4%	$2.7M-12.9%
EPS (Basic)	$0.79+119.4%	$0.78+52.9%	$0.93+89.8%	$0.70+66.7%	$0.36+820.0%	$0.51+37.8%	$0.49-31.0%	$0.42-19.2%
EPS (Diluted)	$0.79+119.4%	$0.78+52.9%	$0.93+89.8%	$0.69+64.3%	$0.36+820.0%	$0.51+37.8%	$0.49-31.0%	$0.42-19.2%
Diluted Shares (Avg)	6M+0.1%	6M+0.1%	N/A	6M+0.1%	6M+5.5%	6M+8.0%	N/A	6M+8.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

NKSH Balance Sheet

NKSH quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$1.8B+0.7%	$1.8B+9.4%	$1.7B-1.3%	$1.7B-1.4%	$1.7B+12.0%	$1.5B+15.0%	$1.3B+5.2%	$1.3B-0.1%	$1.3B+1.8%	$1.2B+2.5%	$1.2B+4.2%	$1.2B+4.0%	$1.1B+0.6%	$1.1B+3.5%	$1.1B
Cash & Equivalents	$59.3M-45.2%	$108.1M+24.8%	$86.6M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$14.8M+24.3%	$11.9M
Short-Term Investments	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0
Long-Term Investments	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0
Goodwill	$10.7M0.0%	$10.7M+83.3%	$5.8M0.0%	$5.8M0.0%	$5.8M0.0%	$5.8M0.0%	$5.8M0.0%	$5.8M0.0%	$5.8M0.0%	$5.8M0.0%	$5.8M0.0%	$5.8M0.0%	$5.8M0.0%	$5.8M0.0%	$5.8M
Total Liabilities	$1.6B-0.9%	$1.7B+9.3%	$1.5B-2.6%	$1.6B+2.9%	$1.5B+14.5%	$1.3B+15.9%	$1.1B+6.8%	$1.1B-0.6%	$1.1B+1.5%	$1.1B+2.4%	$1.0B+4.3%	$988.4M+2.5%	$964.7M+1.1%	$954.3M+3.1%	$925.8M
Total Equity	$184.9M+18.2%	$156.4M+11.3%	$140.5M+14.5%	$122.7M-36.0%	$191.8M-4.4%	$200.6M+9.2%	$183.7M-3.4%	$190.2M+2.9%	$184.9M+3.7%	$178.3M+3.6%	$172.1M+3.5%	$166.3M+14.0%	$145.9M-2.8%	$150.1M+6.2%	$141.3M
Retained Earnings	$202.6M+3.2%	$196.3M-0.8%	$198.0M-0.6%	$199.1M+5.8%	$188.2M-0.7%	$189.5M+2.9%	$184.1M-4.9%	$193.6M+4.2%	$185.9M+4.3%	$178.2M+4.0%	$171.4M+4.9%	$163.3M+5.9%	$154.2M+6.9%	$144.2M+7.6%	$133.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.8B+1.4%	$1.8B-0.4%	$1.8B+0.7%	$1.8B+1.0%	$1.8B-0.1%	$1.8B+8.7%	$1.8B+9.4%	$1.8B+12.1%
Cash & Equivalents	$54.6M-41.2%	$62.2M-49.3%	$59.3M-45.2%	$42.3M-15.0%	$92.8M-6.1%	$122.5M+1.1%	$108.1M+24.8%	$49.8M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$10.7M0.0%	$10.7M0.0%	$10.7M0.0%	$10.7M0.0%	$10.7M-0.1%	$10.7M+83.3%	$10.7M+83.3%	$10.7M+83.3%
Total Liabilities	$1.6B+0.2%	$1.6B-1.6%	$1.6B-0.9%	$1.6B+0.4%	$1.6B-1.3%	$1.7B+7.7%	$1.7B+9.3%	$1.6B+9.6%
Total Equity	$192.2M+13.9%	$187.4M+12.0%	$184.9M+18.2%	$179.2M+6.8%	$168.7M+13.3%	$167.3M+20.0%	$156.4M+11.3%	$167.8M+44.5%
Retained Earnings	$207.8M+5.4%	$207.5M+4.0%	$202.6M+3.2%	$201.6M+1.7%	$197.2M+0.9%	$199.6M-0.3%	$196.3M-0.8%	$198.2M-0.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

NKSH Cash Flow Statement

NKSH quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$20.1M	$17.9M+89.6%	$9.4M-39.2%	$15.5M-47.4%	$29.5M+28.9%	$22.9M+65.9%	$13.8M-26.8%	$18.8M-4.9%	$19.8M+80.1%	$11.0M-37.3%	$17.5M-14.6%	$20.5M+0.9%	$20.3M-16.8%	$24.4M+7.7%	$22.7M+16.7%	$19.5M
Depreciation & Amortization	N/A	$1.5M+29.2%	$1.1M+50.8%	$754K+23.8%	$609K-4.2%	$636K-10.2%	$708K-4.2%	$739K-9.4%	$816K-6.5%	$873K-17.5%	$1.1M-39.5%	$1.7M-3.3%	$1.8M+0.2%	$1.8M-2.3%	$1.8M-1.9%	$1.9M
Stock-Based Compensation	N/A	$193K+50.8%	$128K+204.8%	$42K	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	$1.7M	$2.7M-15.9%	$3.3M+118.2%	$1.5M+18.6%	$1.3M+289.5%	$323K-82.3%	$1.8M+76.7%	$1.0M-13.4%	$1.2M+356.3%	$261K-58.8%	$634K-4.4%	$663K+44.4%	$459K+66.3%	$276K-64.1%	$769K+6.1%	$725K
Free Cash Flow	$18.4M	$15.2M+145.1%	$6.2M-55.9%	$14.0M-50.3%	$28.2M+25.2%	$22.6M+88.5%	$12.0M-32.8%	$17.8M-4.3%	$18.6M+73.4%	$10.7M-36.5%	$16.9M-14.9%	$19.9M-0.1%	$19.9M-17.8%	$24.2M+10.2%	$21.9M+17.1%	$18.7M
Investing Cash Flow	-$50.3M	-$39.2M-348.2%	$15.8M-70.3%	$53.2M+141.0%	-$129.7M+32.9%	-$193.2M-8.8%	-$177.6M-188.0%	-$61.7M-1599.6%	-$3.6M+82.0%	-$20.2M+37.3%	-$32.2M+35.5%	-$49.9M	N/A	N/A	-$39.7M+12.3%	-$45.3M
Financing Cash Flow	-$8.0M	-$27.6M-643.4%	-$3.7M+93.1%	-$53.5M-263.0%	$32.9M-81.3%	$175.3M+5.2%	$166.7M+314.0%	$40.3M+348.3%	-$16.2M-298.9%	$8.2M-50.6%	$16.5M-42.4%	$28.7M	N/A	N/A	$19.9M-28.6%	$27.9M
Dividends Paid	N/A	$9.6M+3.7%	$9.3M-37.3%	$14.8M+65.2%	$8.9M+1.6%	$8.8M-2.2%	$9.0M-0.4%	$9.0M+7.3%	$8.4M+3.4%	$8.1M+0.9%	$8.1M+1.8%	$7.9M+1.0%	$7.9M+0.9%	$7.8M+1.9%	$7.6M+10.1%	$6.9M
Share Buybacks	N/A	N/A	N/A	$0-100.0%	$6.3M-52.5%	$13.4M+675.5%	$1.7M-90.7%	$18.5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$3.5M+69.9%	$3.3M+28.6%	$7.1M+31.8%	$6.1M+94.9%	$2.1M+169.9%	$2.6M-33.2%	$5.4M+147.3%	$3.1M-44.6%
Depreciation & Amortization	$404K+13.5%	$401K+16.2%	$396K+16.5%	$372K+10.1%	$356K+43.0%	$345K+64.3%	$340K+61.9%	$338K+64.1%
Stock-Based Compensation	$63K+23.5%	$62K+44.2%	N/A	$49K+75.0%	$51K+54.5%	$43K+34.4%	N/A	$28K+75.0%
Capital Expenditures	$190K-65.0%	$229K-76.2%	$432K-54.7%	$800K-17.6%	$543K-46.6%	$963K+205.7%	$954K+318.4%	$971K
Free Cash Flow	$3.3M+118.0%	$3.1M+91.6%	$6.7M+50.3%	$5.3M+145.3%	$1.5M+138.3%	$1.6M-54.5%	$4.5M+127.4%	$2.2M
Investing Cash Flow	-$6.0M-298.6%	-$3.2M-192.3%	-$240K-101.5%	-$40.9M-310.2%	$3.0M-76.2%	-$1.1M+64.5%	$16.2M+574.8%	-$10.0M-4015.7%
Financing Cash Flow	-$5.1M+85.3%	$2.8M-78.3%	$10.0M-72.7%	-$15.8M+62.6%	-$34.8M-8.6%	$12.9M-61.7%	$36.8M+6.9%	-$42.3M-92.0%
Dividends Paid	N/A	N/A	$5.0M+0.1%	$0-100.0%	N/A	N/A	$5.0M+8.0%	$1K

Not reported in any period shown, so not listed: Share Buybacks.

NKSH Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NKSH quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	28.5%+11.7pp	16.8%-16.8pp	33.6%-10.0pp	43.6%+3.1pp	40.5%+5.6pp	34.9%-2.7pp	37.5%+2.3pp	35.2%+3.7pp	31.5%-2.6pp	34.1%+1.2pp	32.8%-2.3pp	35.1%-1.2pp	36.4%+0.6pp	35.8%0.0pp	35.8%
Return on Equity	8.6%+3.7pp	4.9%-6.3pp	11.2%-10.0pp	21.1%+10.5pp	10.6%+2.6pp	8.0%-1.5pp	9.5%+1.0pp	8.5%+0.9pp	7.6%-0.8pp	8.4%-0.8pp	9.2%-1.0pp	10.2%-2.0pp	12.2%+0.4pp	11.8%-0.7pp	12.5%
Return on Assets	0.9%+0.4pp	0.4%-0.5pp	0.9%-0.6pp	1.6%+0.3pp	1.2%+0.1pp	1.1%-0.3pp	1.3%0.0pp	1.3%+0.2pp	1.1%-0.1pp	1.2%-0.1pp	1.3%-0.1pp	1.5%-0.1pp	1.6%0.0pp	1.6%0.0pp	1.7%
Debt-to-Equity	8.87-1.7x	10.58-0.2x	10.78-1.9x	12.67+4.8x	7.88+1.3x	6.58+0.4x	6.19+0.6x	5.60-0.2x	5.80-0.1x	5.92-0.1x	5.990.0x	5.94-0.7x	6.61+0.3x	6.36-0.2x	6.55
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.05
FCF Margin	27.3%+13.6pp	13.6%-16.4pp	30.1%-17.4pp	47.5%+2.7pp	44.8%+18.9pp	25.9%-12.3pp	38.2%-2.3pp	40.5%+16.6pp	24.0%-14.5pp	38.5%-2.7pp	41.2%-0.1pp	41.3%-8.1pp	49.4%+5.2pp	44.2%+6.2pp	38.0%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	32.0%+14.8pp	32.6%+7.3pp	38.5%+13.4pp	31.1%+8.3pp	17.3%+20.1pp	25.3%+4.4pp	25.1%-13.9pp	22.8%-5.7pp
Return on Equity	2.6%+1.3pp	2.7%+0.7pp	3.2%+1.2pp	2.5%+0.9pp	1.4%+1.6pp	1.9%+0.4pp	2.0%-1.0pp	1.6%-1.0pp
Return on Assets	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.2pp	0.3%+0.1pp	0.1%+0.1pp	0.2%+0.1pp	0.2%-0.1pp	0.1%0.0pp
Debt-to-Equity	8.53-1.2x	8.76-1.2x	8.87-1.7x	9.06-0.6x	9.71-1.4x	9.97-1.1x	10.58-0.2x	9.64-3.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	21.2%+9.7pp	20.1%+7.6pp	43.9%+7.5pp	37.4%+18.9pp	11.5%+47.8pp	12.5%-21.2pp	36.4%+18.2pp	18.5%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
National Bankshares Inc/VA NKSH	FY2025	$55.6M	$15.8M	28.5%	$275.2M	50/100
Eagle Financial Services Inc EFSI	FY2025	$69.5M	$8.2M	11.8%	$247.0M	26/100
First Savings Financial Group, Inc FSFG	FY2025	$84.2M	$23.2M	27.5%	$238.4M	20/100
Meridian Corporation MRBK	FY2025	$126.9M	$21.8M	17.2%	$223.2M	33/100
Virginia National Bankshares Corporation VABK	FY2025	$57.6M	$19.3M	33.4%	$267.1M	57/100
Princeton Bancorp, Inc. BPRN	FY2025	$84.3M	$18.6M	22.1%	$295.1M	40/100

Where National Bankshares Inc/VA Ranks

Frequently Asked Questions

What is National Bankshares Inc/VA's annual revenue?

National Bankshares Inc/VA (NKSH) reported $55.6M in total revenue for fiscal year 2025. This represents a 22.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is National Bankshares Inc/VA's revenue growing?

National Bankshares Inc/VA (NKSH) revenue grew by 22.5% year-over-year, from $45.4M to $55.6M in fiscal year 2025.

Is National Bankshares Inc/VA profitable?

Yes, National Bankshares Inc/VA (NKSH) reported a net income of $15.8M in fiscal year 2025, with a net profit margin of 28.5%.

What is National Bankshares Inc/VA's net profit margin?

National Bankshares Inc/VA (NKSH) had a net profit margin of 28.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does National Bankshares Inc/VA pay dividends?

Yes, National Bankshares Inc/VA (NKSH) paid $1.51 per share in dividends during fiscal year 2025.

What is National Bankshares Inc/VA's return on equity (ROE)?

National Bankshares Inc/VA (NKSH) has a return on equity of 8.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is National Bankshares Inc/VA's free cash flow?

National Bankshares Inc/VA (NKSH) generated $15.2M in free cash flow during fiscal year 2025. This represents a 145.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is National Bankshares Inc/VA's operating cash flow?

National Bankshares Inc/VA (NKSH) generated $17.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are National Bankshares Inc/VA's total assets?

National Bankshares Inc/VA (NKSH) had $1.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are National Bankshares Inc/VA's capital expenditures?

National Bankshares Inc/VA (NKSH) invested $2.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does National Bankshares Inc/VA have outstanding?

National Bankshares Inc/VA (NKSH) had 6M shares outstanding as of fiscal year 2025.

What is National Bankshares Inc/VA's debt-to-equity ratio?

National Bankshares Inc/VA (NKSH) had a debt-to-equity ratio of 8.87 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is National Bankshares Inc/VA's return on assets (ROA)?

National Bankshares Inc/VA (NKSH) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is National Bankshares Inc/VA's P/E ratio?

National Bankshares Inc/VA (NKSH) trades at 13.5x earnings, its market capitalization divided by net income of $20.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $275.2M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is National Bankshares Inc/VA's price-to-sales ratio?

National Bankshares Inc/VA (NKSH) trades at 4.6x sales, its market capitalization divided by revenue of $60.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $275.2M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is National Bankshares Inc/VA's Piotroski F-Score?

National Bankshares Inc/VA (NKSH) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are National Bankshares Inc/VA's earnings high quality?

National Bankshares Inc/VA (NKSH) has an earnings quality ratio of 1.13x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is National Bankshares Inc/VA?

National Bankshares Inc/VA (NKSH) scores 50 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.