WallStSmart

National Bankshares Inc (NKSH)vsU.S. Bancorp (USB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

U.S. Bancorp generates 45010% more annual revenue ($27.32B vs $60.56M). NKSH leads profitability with a 33.5% profit margin vs 29.9%. USB trades at a lower P/E of 12.4x. USB earns a higher WallStSmart Score of 77/100 (B+).

NKSH

Buy

63

out of 100

Grade: C+

Growth: 8.7Profit: 7.5Value: 6.0Quality: 3.8
Piotroski: 4/9Altman Z: -0.71

USB

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: -0.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NKSH6 strengths · Avg: 9.3/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.5%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
41.4%10/10

Strong operational efficiency at 41.4%

EPS GrowthGrowth
119.5%10/10

Earnings expanding 119.5% YoY

P/E RatioValuation
13.2x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
16.2%8/10

16.2% revenue growth

USB6 strengths · Avg: 8.7/10
Operating MarginProfitability
39.7%10/10

Strong operational efficiency at 39.7%

Market CapQuality
$97.91B9/10

Large-cap with strong market position

Profit MarginProfitability
29.9%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
21.6%8/10

Earnings expanding 21.6% YoY

Areas to Watch

NKSH2 concerns · Avg: 2.5/10
Market CapQuality
$268.01M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.712/10

Distress zone — elevated risk

USB3 concerns · Avg: 3.0/10
PEG RatioValuation
1.884/10

Expensive relative to growth rate

Debt/EquityHealth
1.423/10

Elevated debt levels

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : NKSH

The strongest argument for NKSH centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.5% and operating margin at 41.4%. Revenue growth of 16.2% demonstrates continued momentum.

Bull Case : USB

The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.

Bear Case : NKSH

The primary concerns for NKSH are Market Cap, Altman Z-Score.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

NKSH profiles as a growth stock while USB is a mature play — different risk/reward profiles.

USB carries more volatility with a beta of 0.97 — expect wider price swings.

NKSH is growing revenue faster at 16.2% — sustainability is the question.

USB generates stronger free cash flow (4.8B), providing more financial flexibility.

Bottom Line

USB scores higher overall (77/100 vs 63/100), backed by strong 29.9% margins and 10.4% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

National Bankshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

National Bankshares, Inc. is the banking holding company for the National Bank of Blacksburg offering retail and commercial banking products and services to individuals, businesses, non-profit organizations and local governments. The company is headquartered in Blacksburg, Virginia.

U.S. Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.

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