National Bankshares, Inc. (NKSH) Stock Score, Valuation & Financial Research
National Bankshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 63/100.
Quick answer for NKSH
National Bankshares, Inc. currently has a Wall Street Score of 63/100. The stored market price is $43.3. Its financial score is 53/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What National Bankshares, Inc. does
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 non-real estate loans, including commercial and agricultural loans; commercial and consumer real estate loans; residential real estate loans; home equity loans; various consumer loans, such as credit cards, automobile, and other consumer loans; and public sector and IDA loans, as well as loans for the construction of commercial and residential properties. The company also provides business and consumer debit
NKSH financial snapshot
- Wall Street Score:
- 63/100
- Current price:
- $43.3
- Market capitalization:
- $275.8M
- Revenue:
- $82.0M
- Net income:
- $20.3M
- Free cash flow:
- $15.2M
- Cash:
- $8.9M
- Total debt:
- $0
- EPS:
- 2.49
- P/E ratio:
- 17.4x
- Financial score:
- 53/100
- Valuation score:
- 93/100
- Revenue score:
- 32/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $15.2M, showing positive cash generation.
- The balance sheet shows $8.9M of cash versus $0 of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 53/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research NKSH
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.