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NKSH

National Bankshares, Inc.

Financial Services · $271M market cap

Verdict

Share price

$42.66

close of Oct 3, 2026

Fair value

$45.01

Sticker Price

Payback Price

$18.00

buy price

Fairly Valued

NKSH is Fairly Valued: at $42.66 it's within 5% of its fair value of $45.01. Its buy price (Payback Price) is $18.00, 58% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth1.1% a year✗
Equity per share growth4.3% a year✗
Sales growth0.3% a year✗
Free cash flow growth0.1% a year✗
Return on invested capital7.7%✗

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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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works