US · NKSH
National Bankshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Blacksburg, VA 24062-9002
- Website
- nationalbankshares.com
Price · as of 2024-12-31
$36.40
Market cap 239.04M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $38.82 | +6.65% |
| Intrinsic Value(DCF) | $28.40 | -21.98% |
| Graham-Dodd Method(GD) | $7.28 | -80% |
| Graham Formula(GF) | $28.99 | -20.35% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $15.19 | $41.22 | $18.82 | $16.21 | $3.22 |
| 2011 | $16.15 | $41.86 | $15.83 | $17.24 | $24.08 |
| 2012 | $21.35 | $33.61 | $38.37 | $17.06 | $16.87 |
| 2013 | $22.84 | $36.25 | $38.16 | $16.16 | $8.57 |
| 2014 | $18.39 | $46.28 | $40.48 | $18.31 | $11.41 |
| 2015 | $21.58 | $31.50 | $43.90 | $18.19 | $15.03 |
| 2016 | $24.82 | $39.88 | $47.62 | $18.12 | $10.48 |
| 2017 | $29.08 | $65.39 | $50.79 | $18.31 | $19.95 |
| 2018 | $29.18 | $27.95 | $54.97 | $19.96 | $28.20 |
| 2019 | $25.27 | $27.45 | $68.39 | $19.71 | $36.30 |
| 2020 | $29.19 | $36.63 | $72.85 | $21.62 | $11.62 |
| 2021 | $29.50 | $18.13 | $98.08 | $25.08 | $35.48 |
| 2022 | $35.17 | $28.90 | $114.60 | $18.74 | $105.60 |
| 2023 | $30.66 | $47.95 | $130.17 | $0.00 | $44.59 |
| 2024 | $26.05 | $38.82 | $32.16 | $7.28 | $28.99 |
AI valuation
Our deep-learning model estimates National Bankshares, Inc.'s (NKSH) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $38.82
- Current price
- $36.40
- AI upside
- +6.65%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$28.40
-21.98% upside
Graham-Dodd
$7.28
-80% upside
Graham Formula
$28.99
-20.35% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NKSH | National Bankshares, Inc. | $36.40 | 239.04M | +7% | -22% | -80% | -20% | 21.06 | 1.03 | 2.03 | 1.86 | — | 1.12 | 55.80% | 11.53% | 9.64% | 5.13% | -2.77% | 0.44% | 0.00 | 0.27 | 0.09 | 0.09 | -10.51 | -5338.00% | 1597.00% | -5594.00% | 3.85% | 0.01 | -2.25% | 5.77% | 121.50% | 18.99% | 2.09 | 3.08 | 0.24 | -0.72 |
| ATLO | Ames National Corporation | $27.01 | 240.18M | +34% | +34% | -68% | -23% | 15.72 | 0.92 | 1.74 | -3.03 | — | 1.00 | 58.65% | 13.24% | 11.05% | 6.00% | -4.10% | 0.48% | 0.57 | 0.33 | 0.17 | 0.17 | -0.58 | -500.00% | 1069.00% | -218.00% | 8.72% | 0.01 | -5.62% | 5.65% | 88.90% | 73.72% | -3.45 | -3.01 | -0.46 | -0.66 |
| CBNA | Chain Bridge Bancorp, Inc… | $34.50 | 226.38M | +47% | +6,899% | +44% | +766% | 5.38 | 0.78 | 1.98 | -24.53 | 2.66 | 0.78 | 93.16% | 46.08% | 36.75% | 18.40% | -3.77% | 1.61% | 0.00 | 7.09 | 0.62 | 0.62 | -15.35 | 20217.00% | 6638.00% | 7200.00% | 19.15% | 0.02 | -3.88% | 0.00% | 0.00% | 87.86% | -24.99 | -30.43 | -11.51 | -0.17 |
| EFSI | Eagle Financial Services,… | $34.71 | 186.61M | -26% | +2% | +6% | +125% | 7.21 | 0.93 | 1.05 | 4.20 | 11.56 | 0.93 | 59.74% | 17.84% | 14.48% | 13.50% | 21.15% | 0.83% | 1.26 | 0.47 | 0.11 | 0.11 | -1.32 | 6241.00% | 1043.00% | 20570.00% | 16.03% | 0.01 | 24.46% | 3.88% | 28.00% | 102.19% | 4.42 | 4.71 | 0.79 | -0.70 |
| FCCO | First Community Corporati… | $28.82 | 221.62M | +60% | -11% | -39% | +109% | 12.37 | 1.19 | 1.75 | 6.91 | 73.74 | 1.33 | 61.24% | 18.04% | 14.16% | 10.13% | 84.56% | 0.74% | 0.84 | 0.48 | 0.09 | 0.09 | -1.48 | 1677.00% | 2578.00% | -1238.00% | 5.66% | 0.01 | 59.23% | 2.56% | 31.60% | 63.90% | 7.64 | 13.89 | 1.38 | -0.81 |
| FRAF | Franklin Financial Servic… | $51.48 | 230.58M | +684% | +997% | +18% | +127% | 11.22 | 1.43 | 1.78 | 9.07 | 12.63 | 1.43 | 64.34% | 19.67% | 15.89% | 13.65% | 388.83% | 1.93% | 0.00 | 0.59 | — | — | 0.00 | 8884.00% | 1732.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 7.91% | 9.07 | — | 1.78 | — |
| MNSB | MainStreet Bancshares, In… | $22.20 | 166.42M | +779% | -12% | +75% | -38% | 10.89 | 0.78 | 1.25 | 8.29 | — | 0.78 | 54.39% | 14.05% | 11.49% | 7.32% | 7.11% | 0.70% | 0.32 | 0.31 | — | — | 2.34 | -21000.00% | -144.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 8.29 | — | 1.16 | 0.25 |
| MRBK | Meridian Corporation | $19.44 | 229.9M | +108% | -28% | -22% | +85% | 9.57 | 0.91 | 0.79 | 9.34 | 38.27 | 0.93 | 51.14% | 11.04% | 8.28% | 9.92% | 8.45% | 0.71% | 1.02 | 0.26 | 0.09 | 0.09 | 6.09 | 2500.00% | 1709.00% | -4698.00% | 5.77% | 0.00 | 4.66% | 3.58% | 34.30% | 3.58% | 10.32 | 24.91 | 1.14 | -0.76 |
| OVBC | Ohio Valley Banc Corp. | $42.63 | 200.83M | +550% | +1% | +20% | +8% | 12.99 | 1.19 | 2.15 | 13.24 | 30.88 | 1.24 | 67.58% | 20.65% | 16.56% | 9.73% | 21.81% | 1.01% | 0.32 | 0.71 | 56092.09 | 297.10 | 2.84 | 4206.00% | 593.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 13.24 | — | 2.73 | 0.34 |
| UBFO | United Security Bancshare… | $10.39 | 182.63M | +217% | +156% | -58% | -39% | 10.18 | 1.15 | 2.30 | -2.16 | — | 1.20 | 74.24% | 31.04% | 22.58% | 11.69% | -31.67% | 1.22% | 0.11 | 1.46 | 0.21 | 0.21 | -1.85 | -2586.00% | -73.00% | -968.00% | 12.36% | 0.02 | -39.84% | 5.52% | 56.20% | 55.60% | -2.38 | -2.60 | -0.74 | -0.54 |
| VABK | Virginia National Banksha… | $38.72 | 208.82M | +473% | -20% | +31% | -18% | 11.24 | 1.18 | 2.60 | 10.25 | 88.55 | 1.25 | 68.95% | 28.90% | 23.11% | 11.18% | 10.28% | 1.18% | 0.20 | 0.94 | 0.01 | 0.01 | 1.25 | 1270.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 10.25 | — | 2.96 | -0.22 |
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 and agricultural, commercial real estate, residential real estate, home equity, and various consumer loan products, 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 services, 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. It operates 23 branch offices, a loan production office, and 22 automated teller machines in Southwest Virginia. National Bankshares, Inc. was founded in 1891 and is headquartered in Blacksburg, Virginia.
- CEO
- Lara E. Ramsey
- Employees
- 245
- Beta
- 0.65
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($28.40 ÷ $36.40) − 1 = -21.98% (DCF, example).