Stocktoria
NATIONAL BANKSHARES INC NKSH
NATIONAL BANKSHARES INC (NKSH) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 4.01% (safety: stretched). FY2025 revenue was $8.2M at a 193.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| NKSH | NATIONAL BANKSHARES INC | 5/9 | — | 15.2 | — |
| MRBK | Meridian Corp | 5/9 | — | 10.9 | — |
| SFST | SOUTHERN FIRST BANCSHARES INC | 5/9 | — | 19.1 | — |
| CBKM | CONSUMERS BANCORP INC /OH/ | 2/9 | — | 10.3 | — |
| ASRV | AMERISERV FINANCIAL INC /PA/ | 4/9 | — | 11.8 | -6.3% |
| UBOH | UNITED BANCSHARES INC/OH | 5/9 | — | 9.2 | — |
| FUNC | FIRST UNITED CORP/MD/ | 5/9 | — | 11.9 | +4% |
All Finance, Insurance & Real Estate companies →
About NATIONAL BANKSHARES INC
National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg that provides retail and commercial banking products and services to individuals, businesses, non-profits, and local governments. The company accepts interest-bearing and non-interest-bearing demand deposit accounts, money market deposit accounts, savings accounts, certificates of deposit, health savings accounts, and individual retirement accounts. Its loan products include commercial non-real estate loans, including commercial and agricultural loans; commercial and consumer real estate loans; residential real estate loans; home equity loans; various consumer loans, such as credit cards, automobile, and other consumer loans; and public sector and IDA loans, as well as loans for the construction of commercial and residential properties. The company also provides business and consumer debit and credit cards; letters of credit, night depository, safe deposit boxes, utility payment services, and automatic funds transfer; wealth management, trust, and estate services; non-deposit investment and insurance products; and telephone, mobile, and Internet banking services, as well as operates automated teller machines. The company was founded in 1891 and is headquartered in Blacksburg, Virginia.
FAQ
Is NKSH financially healthy?
NATIONAL BANKSHARES INC's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does NKSH pay a dividend, and is it safe?
Yes. NATIONAL BANKSHARES INC pays a dividend yielding about 4.01% with a 60.7% payout ratio, rated “stretched” for safety.
How profitable is NKSH?
In FY2025, NATIONAL BANKSHARES INC had a net margin of 193.6% and a return on equity of 8.6%.
Is NKSH overvalued or undervalued?
NATIONAL BANKSHARES INC trades at about 17.1× trailing earnings — above its 10-year norm (10-year range 9.4×–23.7×, median 15.2×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for NKSH?
The average Wall-Street price target for NATIONAL BANKSHARES INC is $41.00, about 3.8% below the recent price, from 1 analysts.
Is NKSH a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on NATIONAL BANKSHARES INC: a Piotroski F-score of 5/9, a P/E of about 15.2×, a dividend yield of 4.01%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.