National Bankshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from National Bankshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 7%
Sales fell 7% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-7% / +9%In 3 years sales changed by -7% while total assets changed by +9%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 77% of Financial Services companies in United States.
Tangible Net Worth Ratio
93%Of every $100 of net worth, $93 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 72% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
National Bankshares, Inc. owes $0.90 for every $1 it owns. Net profit rose 108% in the year to Dec 2025, and shrank 15% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
14.3Investors pay $14.3 for every $1 of National Bankshares, Inc.'s yearly profit, higher than 61% of Financial Services companies in United States.
P/B ratio
1.51The share price is 1.51 times National Bankshares, Inc.'s book value per share, higher than 68% of Financial Services companies in United States.
Market cap
$290 MThe total market value of all of National Bankshares, Inc.'s shares at today's price (share price × number of shares), smaller than 74% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$192 MWhat National Bankshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$30.17Net worth divided by the number of shares. The share price of $45.50 is 1.5 times this, which is the P/B above.
Return on equity (ROE)
11.2%National Bankshares, Inc. earned 11.2% on its shareholders' money over the last year, higher than 55% of Financial Services companies in United States.
Owes vs Owns
0.90×National Bankshares, Inc. owes $0.90 for every $1 it owns (high), higher than 77% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.40%National Bankshares, Inc. pays 3.40% of its share price as dividends a year, higher than 61% of dividend-paying Financial Services companies in United States.
Revenue growth
+23%Revenue rose 23% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Profit growth
+108%Net profit rose 108% in the year to Dec 2025, and shrank 15% a year on average over 3 years.
Profit margin
28.5%National Bankshares, Inc. keeps $28 of every $100 of revenue as net profit.
Questions
What is National Bankshares, Inc.'s P/E ratio?
Investors pay $14.3 for every $1 of National Bankshares, Inc.'s yearly profit, higher than 61% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For National Bankshares, Inc.: $290 M ÷ $192 M (30 Jun 2026) = 1.5.
What is National Bankshares, Inc.'s return on equity?
National Bankshares, Inc. earned 11.2% on its shareholders' money over the last year, higher than 55% of Financial Services companies in United States.
How much does National Bankshares, Inc. owe compared with what it owns?
National Bankshares, Inc. owes $0.90 for every $1 it owns (high), higher than 77% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does National Bankshares, Inc. pay a dividend?
Yes. National Bankshares, Inc. pays 3.40% of its share price as dividends a year, higher than 61% of dividend-paying Financial Services companies in United States.
Is National Bankshares, Inc.'s revenue growing?
Revenue rose 23% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.