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National Bankshares, Inc.

NASDAQ•NKSH
CEO: Mr. F. Brad Denardo
セクター: Financial Services
業種: Banks - Regional
上場日: 1999-12-01
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 and agricultural, commercial real estate, residential real estate, home equity, and various consumer loan products, 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 services, 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. The company was founded in 1891 and is headquartered in Blacksburg, Virginia.
連絡先情報
101 Hubbard Street, Blacksburg, VA, 24062-9002, United States
540-951-6300
www.nationalbankshares.com/overview/default.aspx
時価総額
$236.11M
PER (TTM)
14.9
14.5
配当利回り
4.1%
52週高値
$40.00
52週安値
$23.75
52週レンジ
82%
順位35Top 29.9%
4.6
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.6 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$22.20M+7.95%
直近4四半期の推移

EPS

$0.92+91.67%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Nine Month Net Income Jump Net Income for nine months reached $9.945M, significantly increasing from $4.544M in 2024, aided by margin expansion.
Strong NIM Expansion FTE Net Interest Margin improved to 2.57% (9 months) from 2.14% in 2024, driven by higher asset yields and lower funding costs.
Robust Capital Position Common Equity Tier 1 Ratio strengthened to 16.55% as of September 30, 2025, well above required regulatory minimums.
Organic Loan Growth Net loans increased 2.88% to $1.006B since December 31, 2024, reflecting successful organic growth across the portfolio.

リスク要因

Deposit Base Contraction Total deposits fell 5.04% from year-end 2024, primarily due to an $71.201M decrease in interest-bearing demand deposits.
Rising Bankruptcy Filings Business and personal bankruptcy filings increased compared to year-end 2024, heightening overall credit risk concerns.
Asset Quality Indicators Total high-risk loans increased from December 31, 2024 levels, although the overall NPL ratio remained stable at 0.20%.
Interest Rate Environment Future Federal Reserve actions remain a key uncertainty impacting margins and the fair value of financial instruments.

見通し

Efficiency Improvement Realized Core system conversion completed in Q2 2025 is expected to provide greater efficiency and product offerings moving forward.
Liquidity Management Strategy Company maintains substantial borrowing capacity ($260.395M FHLB) and manages loan-to-deposit ratio near target range (65.07%).
Credit Loss Assessment Prudent Management determined the Allowance for Credit Losses on Loans ($10.579M) is reasonable based on current economic factors.
Yield Optimization Strategy Q3 2025 borrowings were used to purchase securities, aiming to optimize net interest margin in the expected lower rate environment.

同業比較

売上高 (TTM)

INBK stock ticker logoINBK
$318.00M
-4.6%
MRBK stock ticker logoMRBK
$205.49M
+4.1%
MNSB stock ticker logoMNSB
$135.47M
-1.7%

粗利益率 (最新四半期)

CBNA stock ticker logoCBNA
91.8%
+0.4pp
UBFO stock ticker logoUBFO
80.5%
+10.2pp
FXNC stock ticker logoFXNC
75.9%
+17.4pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
ATLO$236.98M12.59.7%2.8%
NKSH$236.11M14.99.0%0.0%
FXNC$235.54M13.310.0%2.1%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.3%
緩やかな成長
4四半期純利益CAGR
22.0%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月16日
|
EPS:$0.62
|
売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし