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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 and credit cards; letters of credit, night depository, 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, as well as operates automated teller machines. The company was founded in 1891 and is headquartered in Blacksburg, Virginia.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 19.17M | 9.12M | 18.68M | 31.76M | 24.63M |
| Net income | 15.83M | 7.62M | 15.69M | 25.93M | 20.38M |
| Selling general administrative | 23.93M | 20.03M | 18.07M | 17.00M | 16.17M |
| Selling and marketing expenses | - | 21.55M | 12.78M | - | - |
| Gross profit | 55.58M | 44.13M | 47.90M | 56.39M | 46.76M |
| Reconciled depreciation | 1.47M | 1.14M | 0.70M | 0.61M | 0.64M |
| Ebit | 19.17M | 9.12M | 18.68M | 34.85M | 24.63M |
| Ebitda | 20.64M | 10.26M | 19.43M | 35.45M | 25.27M |
| Depreciation and amortization | 1.47M | 1.14M | 0.75M | 0.61M | 0.64M |
| Operating income | 19.17M | 9.12M | 18.68M | 34.85M | 24.63M |
| Other operating expenses | 66.15M | 69.96M | 49.52M | 3.03M | -25.68M |
| Interest expense | 29.75M | 33.73M | 21.55M | 3.08M | 3.10M |
| Tax provision | 3.34M | 1.50M | 4.30M | 5.83M | 4.25M |
| Interest income | 75.31M | 70.12M | 57.30M | 50.11M | 44.99M |
| Net interest income | 45.56M | 36.40M | 41.76M | 47.03M | 41.89M |
| Income tax expense | 3.34M | 1.50M | 2.98M | 5.83M | 4.25M |
| Total revenue | 85.31M | 79.08M | 68.19M | 59.43M | 50.31M |
| Total operating expenses | 36.41M | 35.01M | 29.23M | -21.55M | -25.68M |
| Cost of revenue | 29.74M | 34.95M | 20.29M | 3.03M | 3.55M |
| Total other income expense net | - | -8.48M | 0.32M | -3.08M | -3.10M |
| Net income from continuing ops | 15.83M | 7.62M | 20.82M | 25.93M | 20.38M |
| Net income applicable to common shares | - | - | - | 25.93M | 20.38M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1824.51M | 1811.64M | 1659.58M | 1677.55M | 1702.17M |
| Intangible assets | 1.49M | 1.86M | 5.85M | - | - |
| Other current assets | 6.54M | - | 100.57M | -59.03M | 170.55M |
| Total liab | 1639.60M | 1655.23M | 1519.06M | 1554.86M | 0.05M |
| Total stockholder equity | 184.91M | 156.41M | 140.52M | 122.69M | 191.75M |
| Other current liab | 1626.93M | 1644.75M | 1318.68M | -0.11M | -0.05M |
| Common stock | 22.02M | 21.83M | 7.40M | 7.36M | 7.58M |
| Capital stock | 22.02M | 21.83M | 7.40M | 7.36M | 7.58M |
| Retained earnings | 202.56M | 196.34M | 197.98M | 199.09M | 188.23M |
| Other liab | - | - | - | 10.59M | 15.79M |
| Good will | 10.72M | 10.72M | 5.85M | 5.85M | 5.85M |
| Other assets | 1122.65M | 1768.31M | 0.00M | 270.20M | 170.55M |
| Cash | 59.25M | 107.82M | 86.60M | 71.43M | 138.79M |
| Total current liabilities | 1628.51M | 1646.21M | 1319.03M | 0.11M | 0.05M |
| Current deferred revenue | - | - | -1.42M | - | - |
| Net debt | -59.25M | -107.82M | -85.48M | -71.43M | -138.79M |
| Short term debt | 0.56M | 0.37M | 0.35M | - | - |
| Short long term debt total | 2.04M | 1.52M | 1.13M | - | - |
| Other stockholder equity | - | -0.00M | - | -83.77M | -4.06M |
| Property plant equipment | - | - | - | 11.03M | 9.72M |
| Total current assets | 89.27M | 147.97M | 100.57M | 734.28M | 829.97M |
| Long term investments | 654.38M | 601.90M | 618.60M | 656.85M | 686.08M |
| Net tangible assets | - | - | - | 116.84M | 185.90M |
| Short term investments | 23.48M | 33.68M | 618.60M | 656.85M | 686.08M |
| Net receivables | 6.54M | 6.47M | 6.31M | 6.00M | 5.10M |
| Inventory | - | - | -637.88M | 0.66M | 0.96M |
| Accounts payable | 1.58M | 1.46M | 1.42M | 0.11M | 0.05M |
| Accumulated other comprehensive income | -39.67M | -61.77M | -64.87M | -83.77M | -4.06M |
| Common stock total equity | - | - | - | 7.36M | 7.58M |
| Retained earnings total equity | - | - | - | 199.09M | 188.23M |
| Non currrent assets other | 84.24M | 87.69M | 1445.13M | -673.07M | -701.65M |
| Non current assets total | 1735.23M | 1663.67M | 1559.01M | 673.07M | 701.65M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -26.79M | 15.79M | 61.54M | -108.85M | -217.45M |
| Change to liabilities | - | - | - | 2.08M | -0.52M |
| Total cashflows from investing activities | -39.18M | 15.79M | 53.19M | -129.71M | -202.54M |
| Net borrowings | 0.00M | -5.23M | 0.00M | - | - |
| Total cash from financing activities | -27.58M | -3.71M | -53.54M | 32.85M | 175.28M |
| Change to operating activities | - | - | - | 2.06M | 1.14M |
| Net income | 15.83M | 7.62M | 15.69M | 25.93M | 20.38M |
| Change in cash | -48.87M | 21.51M | 15.17M | -67.36M | -4.38M |
| Begin period cash flow | 108.12M | 86.60M | 71.43M | 138.79M | 13.15M |
| End period cash flow | 59.25M | 108.12M | 86.60M | 71.43M | 8.77M |
| Total cash from operating activities | 17.89M | 9.44M | 15.52M | 29.50M | 22.88M |
| Depreciation | 2.15M | 1.14M | 0.75M | 0.61M | 0.64M |
| Other cashflows from investing activities | -9.65M | -13.40M | -3.04M | -19.60M | 15.22M |
| Dividends paid | 9.61M | 9.26M | 14.78M | -8.95M | -8.81M |
| Change to account receivables | -0.07M | 0.18M | -0.31M | -0.90M | -0.08M |
| Sale purchase of stock | - | - | -2.61M | -6.34M | -13.35M |
| Other cashflows from financing activities | -17.97M | 10.78M | -38.75M | 48.14M | 197.44M |
| Change to netincome | - | - | - | 0.24M | -0.91M |
| Capital expenditures | 2.74M | 3.26M | 1.49M | 1.26M | 0.32M |
| Change receivables | - | - | - | -0.90M | -0.08M |
| Cash flows other operating | - | - | - | 0.27M | 1.69M |
| Cash and cash equivalents changes | - | - | - | -67.36M | -4.38M |
| Change in working capital | 1.12M | -2.00M | -3.48M | 1.16M | 1.06M |
| Stock based compensation | 0.19M | 0.13M | 0.04M | - | 0.92M |
| Other non cash items | -2.11M | 3.43M | 1.76M | 1.91M | -0.27M |
| Free cash flow | 15.15M | 6.18M | 14.03M | 28.24M | 22.56M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| NKSH National Bankshares Inc |
0.09 0.23% |
39.70 | 13.45 | 11.63 | 4.55 | 1.42 | 4.51 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.76 0.34% |
219.92 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.62 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.28 0.82% |
34.49 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.46 0.49% |
92.86 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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 and credit cards; letters of credit, night depository, 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, as well as operates automated teller machines. The company was founded in 1891 and is headquartered in Blacksburg, Virginia.
101 Hubbard Street, Blacksburg, VA, United States, 24062-9002
540 951 6300
245
| Name | Title | Year Born |
|---|---|---|
| Mr. F. Brad Denardo | Chairman, Pres & CEO | 1953 |
| Ms. Lara E. Ramsey | Exec. VP & COO | 1969 |
| Mr. David K. Skeens | Sr. VP and Sr. Operations, Risk & Technology Officer | 1967 |
| Mr. Paul M. Mylum | Exec. VP & Chief Lending Officer of The National Bank of Blacksburg | 1967 |
| Ms. Lora M. Jones | Sr. VP & CFO | NA |
| Ms. Shelby Evans | VP of Compliance | NA |
| Mr. Patrick Lamm | Sr. VP of Credit Admin. | NA |
| Mr. Joseph W. Beury | Sr. VP & Trust Officer | NA |
| Mr. Joseph W. Beury | Senior VP & Trust Officer | NA |
| Mr. F. Brad Denardo | Chairman, President & CEO | 1953 |
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Basic Materials
-1.40%
Communication Services
-0.45%
Consumer Cyclical
-0.55%
Consumer Defensive
-0.01%
Energy
-0.01%
Financial Services
-0.40%
Financials
-0.15%
Healthcare
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Industrials
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Real Estate
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Technology
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Utilities
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