National Bankshares Inc (NKSH) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
National Bankshares Inc stock (NKSH) is currently trading at $36.31. National Bankshares Inc PE ratio is 14.76. National Bankshares Inc PS ratio (Price-to-Sales) is 4.21. Analyst consensus price target for NKSH is $34.50. WallStSmart rates NKSH as Hold.
- NKSH PE ratio analysis and historical PE chart
- NKSH PS ratio (Price-to-Sales) history and trend
- NKSH intrinsic value — DCF, Graham Number, EPV models
- NKSH stock price prediction 2025 2026 2027 2028 2029 2030
- NKSH fair value vs current price
- NKSH insider transactions and insider buying
- Is NKSH undervalued or overvalued?
- National Bankshares Inc financial analysis — revenue, earnings, cash flow
- NKSH Piotroski F-Score and Altman Z-Score
- NKSH analyst price target and Smart Rating
National Bankshares Inc
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NKSH Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · National Bankshares Inc (NKSH)
NKSH trades at a significant discount to its Graham intrinsic value of $116.53, offering a 68% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
National Bankshares Inc (NKSH) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
National Bankshares Inc (NKSH) Key Strengths (5)
Keeps $47 of every $100 in revenue after operating costs
Earnings per share surging 90.50% year-over-year
Keeps $28 of every $100 in revenue as net profit
Trading at 1.23x book value, attractively priced
Strong revenue growth at 29.20% annually
Supporting Valuation Data
National Bankshares Inc (NKSH) Areas to Watch (4)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Premium valuation at 4.2x annual revenue
Moderate institutional interest at 37.42%
Supporting Valuation Data
National Bankshares Inc (NKSH) Detailed Analysis Report
Overall Assessment
This company scores 63/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.23) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 47.30%, Profit Margin at 28.50%. Growth metrics are encouraging with Revenue Growth at 29.20%, EPS Growth at 90.50%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (4.21) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 9.27%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.27% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 29.20% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, EPS Growth) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NKSH Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NKSH's Price-to-Sales ratio of 4.21x sits near its historical average of 4.25x (14th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 2% below its historical high of 4.3x set in Mar 2026, and 1% above its historical low of 4.18x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for National Bankshares Inc (NKSH) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
National Bankshares Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 56M with 29% growth year-over-year. Profit margins are strong at 28.5%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 29% YoY, reaching 56M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 927.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can National Bankshares Inc maintain 29%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 4.2%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact National Bankshares Inc.
Bottom Line
National Bankshares Inc offers an attractive blend of growth (29% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About National Bankshares Inc(NKSH)
NASDAQ
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.