NATIONAL BANKSHARES INC
About NATIONAL BANKSHARES INC
National Bankshares Inc is a bank holding company. It focuses on lending to small and mid-sized businesses and individuals. The types of loans it offers include commercial and agricultural loans, commercial real estate, construction loans for commercial and residential properties, residential real estate, home equity, and various consumer loan products. It also operates an insurance and brokerage subsidiary. The company earns its revenue from interest and fees on loans, non-interest income, and investments.
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Financial summary
- Net income
- $15.8M
- Total assets
- $1.8B
- Market cap
- $221.6M
- Operating margin
- 234.4%
- Net margin
- 193.6%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $8.2M
- Operating expenses
- -$11.0M
- Operating income
- $19.2M
- Income tax
- $3.3M
- Net income
- $15.8M
- EPS (basic)
- $2.49
- EPS (diluted)
- $2.49
Balance sheet
- Total assets
- $1.8B
- Current assets
- $1.8B
- Total liabilities
- $1.6B
- Current liabilities
- $1.6B
- Shareholders’ equity
- $184.9M
Cash flow
- Operating cash flow
- $17.9M
- Investing cash flow
- -$39.2M
- Financing cash flow
- -$27.6M
- Net cash flow
- -$48.9M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $221.6M
- P/E ratio
- 14.2
- EPS (diluted)
- $2.49
- Dividend yield
- 4.25%
- Shares outstanding
- 6.3M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Feb 1, 1995
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $15.8M.
- Revenue grew 23% from FY2021 to FY2025.
- Trading 9% below its 52-week high.
- Pays a dividend yielding about 4.25% annually.
- Valued at a price-to-earnings (P/E) ratio of 14.2.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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