National Bankshares Inc (NKSH)vsU.S. Bancorp (USB)
NKSH
National Bankshares Inc
$36.31
-0.33%
FINANCIAL SERVICES · Cap: $234.10M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 47317% more annual revenue ($26.35B vs $55.58M). USB leads profitability with a 28.7% profit margin vs 28.5%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
NKSH
Buy63
out of 100
Grade: C+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+67.6%
Fair Value
$116.53
Current Price
$36.31
$80.22 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 47.3%
Earnings expanding 90.5% YoY
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 29.2% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NKSH
The strongest argument for NKSH centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 28.5% and operating margin at 47.3%. Revenue growth of 29.2% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : NKSH
The primary concerns for NKSH are Market Cap.
Bear Case : USB
The primary concerns for USB are PEG Ratio, 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 1.04 — expect wider price swings.
NKSH is growing revenue faster at 29.2% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 63/100), backed by strong 28.7% margins. NKSH offers better value entry with a 67.6% margin of safety. 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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