1. MARKETS
  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : MAJOR BANKS
  4. NATIONAL BANKSHARES INC.
National Bankshares Inc.
XNAS: NKSH
42.56-0.42(-0.98%)
22,132
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XNAS 09 Oct, 2026 5:30 PM (EDT)

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National Bankshares Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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National Bankshares Inc quarterly results: revenue, profit, and P&L – 13 quarter history

  • POSITIVE

    Quarterly Revenue National Bankshares Inc Jun-2026 Quarterly Revenue is $16 Million which is growth of 18.3% YoY.

  • POSITIVE

    Quarterly Net Profit National Bankshares Inc Jun-2026 Quarterly Net Profit is $5 Million which is growth of 119.7% YoY.

National Bankshares Inc., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
15.715.315.314.213.312.812.311.71110.410.710.812
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-----------4.74.7
Operating Profit
-----------
-------------
Profit Before Tax
6.16.17.25.42.73.93.73.2-0.52.75.13.74.4
Tax
1.11.11.410.40.70.60.6-0.20.50.90.60.5
⌄
555.94.42.33.23.12.7-0.32.24.23.13.9
Diluted NI Avail to Com Stockholders Ann.
555.94.42.33.23.12.7-0.32.24.23.13.9
Basic EPS
0.80.80.90.70.40.50.50.4-0.10.40.70.50.7
Diluted EPS After ExtraOrdinary
0.80.80.90.70.40.50.50.40.20.40.70.50.7
Number Of Shares End
6.46.46.46.46.46.46.46.465.95.95.95.9
Net Income Continuing Discontinued Operations
555.94.42.33.23.12.7-0.32.24.23.13.9
Normalized Income
555.94.53.93.13.12.82.72.53.32.814.2
Interest Income
19.518.919.61918.518.218.318.717.11615.514.714.6
Interest
6.46.36.97.37.688.39.28.47.8765.4
Net Interest Income
13.112.612.711.71110.3109.58.78.28.58.69.2
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
0.40.40.40.40.40.30.30.40.20.20.20.20.2
Profit From Continuing Operations
555.94.42.33.23.12.7-0.32.24.23.13.9
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD

National Bankshares Inc competitor comparison and performance snapshot within industry

National Bankshares Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

  • POSITIVE

    Annual Revenue National Bankshares Inc Dec-2025 Annual Revenue is $56 Million which is growth of 22.5% YoY.

  • POSITIVE

    Annual Net Profit National Bankshares Inc Dec-2025 Annual Net Profit is $16 Million which is growth of 107.6% YoY.

National Bankshares Inc., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
-2.2%
3.8%
 55.645.446.659.450.346.146.645.944.843.945.5
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ----3.1-3.1-5.8-7.4-5.1-4.1-4.2-4.2
Operating Profit Ann.
-
-
 ---62.553.45253.95148.948.149.7
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
-15.5%
0%
24.719.29.118.731.824.619.220.718.720.418.920.6
Tax Ann.
-17.1%
1.3%
4.43.31.535.84.33.13.22.66.344.7
⌄
-15.2%
-0.4%
20.315.87.615.725.920.416.117.516.214.114.915.8
Diluted NI Avail to Com Stockholders Ann.
-15.2%
-0.4%
20.315.87.615.725.920.416.117.516.214.114.915.8
EPS Ann.
-16.5%
0%
 2.51.22.74.33.32.52.72.322.22.3
Diluted EPS Ann.
-16.5%
0%
 2.51.22.74.33.32.52.72.322.22.3
Number Of Shares End
2.7%
-0.3%
 6.46.45.95.96.16.56.57777
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
-15.2%
-0.4%
20.315.87.615.725.920.416.117.516.214.114.915.8
Normalized Income Ann.
-34.2%
-0.1%
20.41610.213.156.220.416.117.517.91414.915.8
Interest Income Ann.
14.5%
11.3%
7775.370.158.850.1454445.243.241.340.942.9
Interest Ann.
112.6%
38.7%
2729.833.721.63.13.15.87.45.14.14.24.2
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
35.7%
16.5%
1.61.51.10.80.60.60.70.70.80.91.11.8
Profit From Continuing Operations Ann.
-15.2%
-0.4%
20.315.87.615.725.920.416.117.516.214.114.915.8
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
Total Rev. Ann.
1Y CHG
22.5%
2Y CAGR
9.2%
3Y CAGR
-2.2%
5Y CAGR
3.8%
7Y CAGR
2.8%
10Y CAGR
2%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
107.9%
2Y CAGR
0.3%
3Y CAGR
-15.2%
5Y CAGR
-0.4%
7Y CAGR
-0.4%
Net Profit Annual growth is higher than historical averages.

National Bankshares Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

  • POSITIVE

    Total Shareholders Fund National Bankshares Inc Dec-2025 Total Shareholders Fund is $185 Million which is growth of 18.2% YoY.

  • POSITIVE

    Total Assets National Bankshares Inc Dec-2025 Total Assets is $1,825 Million which is growth of 0.7% YoY.

National Bankshares Inc., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
2.8%
3.7%
1,824.51,811.61,655.41,677.61,702.21,519.71,321.81,2561,256.81,233.91,199.7
⌄
1.8%
4.4%
1,639.61,655.21,514.91,554.91,510.41,319.11,138.11,065.81,071.91,055.71,027.6
⌄
14.6%
-1.6%
184.9156.4140.5122.7191.8200.6183.7190.2184.9178.3172.1
Total Capitalization Ann.
-
-
-----------
Tangible Assets Ann.
13.9%
-2.4%
172.7143.8134.7116.8185.9194.8177.9184.4179172.3165.9
Working Capital Ann.
-
-
---
Invested Capital Ann.
-
-
-----------
Tangible Book Value Ann.
13.9%
-2.4%
172.7143.8134.7116.8185.9194.8177.9184.4179172.3165.9
Borrowings Ann.
-
-
-----------
Net Debt Ann.
-
-
-----------
Share Issued Ann.
2.7%
0%
6.46.45.95.96.16.46.57777
Number Of Shares End
2.7%
-0.3%
6.46.45.95.96.16.56.57777
*All financials are in USD Million and price data in USD
Total Assets Ann.
1Y CHG
0.7%
2Y CAGR
5%
3Y CAGR
2.8%
5Y CAGR
3.7%
7Y CAGR
5.5%
10Y CAGR
4.3%
Total Assets Annual growth is lower than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
18.2%
2Y CAGR
14.7%
3Y CAGR
14.6%
5Y CAGR
-1.6%
7Y CAGR
-0.4%
10Y CAGR
0.7%
Total ShareHolders Funds Annual growth is higher than historical averages.

National Bankshares Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

  • POSITIVE

    Book Value Per Share National Bankshares Inc Book Value Per Share is $29 which is growth of 9.5% YoY.

  • NEUTRAL

    ROE National Bankshares Inc ROE is 0% which is growth of 0% YoY.

National Bankshares Inc., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-0.44%0.94%1.53%1.27%1.13%1.36%1.29%1.13%1.23%1.34%
ROE Ann. %
-
-
-5.13%11.92%16.49%10.39%8.37%9.34%8.61%7.76%8.53%9.36%
ROIC %
-
-
-----------
OPM Ann. %
-
-
---105.19%106.16%112.66%115.85%110.99%109.21%109.49%109.19%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-----------
*All financials are in USD Million and price data in USD

National Bankshares Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

  • POSITIVE

    Cash From Operating Activity National Bankshares Inc Dec-2025 Cash From Operating Activity is $18 Million which is growth of 89.6% YoY.

  • NEGATIVE

    Net Cash Flow National Bankshares Inc Dec-2025 Net Cash Flow is $-49 Million which is growth of -327.1% YoY.

National Bankshares Inc., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
-15.3%
5.3%
17.99.415.529.522.913.818.819.81117.520.5
-
-
-39.215.853.2-129.7-202.5-177.6-61.7-3.6-20.2-32.2-49.9
-
-
-27.6-3.7-53.532.9175.3166.740.3-16.28.216.528.7
Cash Plus Cash Eqv. End Of Year Ann.
-6%
35.1%
59.3108.186.671.48.813.210.312.912.91412.2
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
-48.921.515.2-67.4-4.42.9-2.6-0-1.11.8-0.7
Cash Plus Cash Eqv. Begin Of Year Ann.
-8%
60%
108.186.671.4138.813.210.312.912.91412.212.9
Income Tax Paid Supplemental Data Ann.
-17.4%
-10.8%
2.20.72.53.93.23.92.51.84.13.94.8
Interest Paid Supplemental Data Ann.
114.2%
38%
29.533.720.233.15.97.354.14.24.2
Capex Ann.
-
-
-2.7-3.3-1.5-1.3-0.3-1.8-1-1.2-0.3-0.6-0.7
Issuance Of Capital Stock Ann.
-
-
-----------
Issuance Of Debt Ann.
-
-
-----------
Repayment Of Debt Ann.
-
-
-5.2---------
Repurchase Of Capital Stock Ann.
-
-
---6.3-13.4-1.7-18.5----
Free Cash Flow Ann.
-18.6%
4.8%
15.26.21428.222.61217.818.610.716.919.9
*All financials are in USD Million and price data in USD
Cash from Operating Act. Ann.
1Y CHG
90.4%
2Y CAGR
7.5%
3Y CAGR
-15.3%
5Y CAGR
5.3%
7Y CAGR
-1.4%
10Y CAGR
-1.3%
Cash from Operating Activity Annual growth is higher than historical averages.