MARKETS / NASDAQ / NKSH
NASDAQ · NATIONAL COMMERCIAL BANKS · SMALL CAP

National Bankshares, Inc. NKSH

17 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$8.2M
▲ 9.8% vs FY2024
EPS · FY25
$2.49
Dividend / sh · FY25
$1.51
Payout · FY25
61%
ROE · FY25
9.3%
Net margin · FY25
193.6%
Dividend coverage
1.6×
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Result
USD 8.2M
Revenue, FY2025 · full 17-year series below
Revenue Net income
0.00250.0050.00750.010.00.02009201220152018202120242025
0.00250.0050.00750.010.00.02016201920222025

194 cents of every revenue dollar became profit this year.

Per share
USD 2.49
Diluted EPS, FY2025
EPS Dividend
2461.512.492009201220152018202120242025
2461.512.492016201920222025

Earnings covered the dividend 1.6 times — the rest stayed in the company.

Profitability
9.3%
Return on equity, FY2025
ROE
51015209.3%2009201220152018202120242025
51015209.3%2016201920222025
Operating margin234.4%
Net margin193.6%
Return on assets0.9%

Each USD of equity produced 9 cents of profit this year.

Returned to shareholders
USD 9.6M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 9.6M
Net buybacks
Share of profit60.7%
Consecutive raises

USD 9.6M in dividends — 61% of the year's profit went back to shareholders.

Growth
+7.7% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+5.3%
+7.7%
Net income
−15.2%
−0.3%
−0.0%
+0.1%
EPS, diluted
−16.8%
+0.1%
+0.9%
+0.7%
Dividend / share
+0.2%
+1.7%
+2.9%
+3.4%
Returned to shareholders
−14.3%
−2.2%
+1.9%
+2.8%

Compound annual rates per period — left blank where the series crosses a loss.

Share base
0.01B
Shares outstanding, FY2025
0.010.012009201220152018202120242025
0.010.012016201920222025
Change, 5 years−1.0%
Change, 10 years−8.5%

The share count shrank 1% in five years — the same company, cut into fewer, larger slices.

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Balance sheet
USD 1.8B
total assets, end of FY2025
Total assetsUSD 1.8B
EquityUSD 184.9M
CashUSD 59.2M
DepositsUSD 1.6B

Equity funds 10% of total assets.

History
17 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
Operating income $B
0.0
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
·
·
EBITDA $B
0.0
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
·
·
Income tax $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Net income $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
EPS, diluted $
2.49
1.24
2.66
4.33
3.28
2.48
2.65
2.32
2.03
2.15
2.28
2.43
2.55
2.55
2.54
2.24
2.06
Dividend / sh $
1.51
1.51
2.51
1.50
1.44
1.39
1.39
1.21
·
·
1.14
1.13
1.12
1.10
1.00
0.91
0.84
Payout %
61
122
94
35
43
56
52
52
58
54
50
46
44
43
39
41
41
ROE %
9.3
5.1
11.9
16.5
10.4
8.4
9.3
8.6
7.8
8.5
9.4
10.8
12.0
12.2
13.0
12.4
11.7
Shares out B
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
·

Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.

How we verifyAUDITED
32 of 32
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity

Every figure was compared against the original statement: 0 failures and 0 presentation gaps.

What we don’t show

We’d rather say what’s missing than fill the gap with an estimate.

P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed