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National Bankshares NKSH Q2 2026 earnings

Reported July 23, 2026 · Before market open

Revenue$6.9MMiss by $8.7M
EPS$0.79Miss by $0.01
Revenue estimate$15.7M
EPS estimate$0.80
We are pleased to report our second quarter results, with net income significantly improved from the same period last year. Notably, during the second quarter of 2026, we sold our stake in a community-bank insurance consortium and invested the proceeds in restructuring a portion of the securities portfolio to enhance profitability in the near and medium term. In the second half of 2026 and beyond, we continue to focus on building market share, especially through our recent expansions, while optimizing our products, technology, and training to deliver a top-notch personalized banking experience and outstanding shareholder value.
National Bankshares

Next report

Oct 22, 2026 (in a month)
Revenue estimate$17.3M
EPS estimate$0.98

Financials

Q2 2026

Income statement

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Revenue$15.7M+18.3%
Net income$5.0M+120%
EPS (diluted)$0.79+119%

Balance sheet

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Cash & equivalents$54.6M-41.2%
Total debt$1.8M+6.7%
Total equity$192.2M+13.9%
Total assets$1.8B+1.4%

Cash flow

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Operating cash flow$3.5M+69.9%
CapEx$190.0K-65.0%
Free cash flow$3.3M+118%

Valuation & ratios

Valuation

as of 09/17/26
See full
Market cap$270.18M+40.0%
Enterprise value$217.4M+114%
P/E13.3×-3.8×
P/S4.5×+0.6×

Profitability

See full
Net margin33.6%+11.0pp
FCF margin30.5%+11.0pp

Returns & leverage

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Return on equity11.3%+4.2pp
Debt / equity0.0×

Segments

By product

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Deposit Account$690.0K-6.0%
Fiduciary And Trust$667.0K+15.4%
Credit And Debit Card$544.0K+48.6%

FAQ

When did National Bankshares report Q2 2026 earnings?
National Bankshares (NKSH) reported Q2 2026 earnings on July 23, 2026 before market open.
What were National Bankshares's Q2 2026 revenue and EPS?
National Bankshares reported revenue of $6.9M and eps of $0.79 for Q2 2026.
Did National Bankshares beat estimates in Q2 2026?
Revenue missed the consensus estimate of $15.7M by $8.7M. EPS missed the consensus estimate of $0.80 by $0.01.
How did National Bankshares's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 66.8% from $20.8M a year earlier and eps grew 29.5% from $0.61.
Where can I find National Bankshares's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-314195) and the 10-Q periodic report (0001193125-26-346967) directly on SEC EDGAR. The filing index links above go to sec.gov.