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National Bankshares NKSH Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$21.4M
EPS$0.69Beat by $0.03
EPS estimate$0.66

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$16.0M
EPS estimate$0.98

Financials

Q3 2025

Income statement

See full
Revenue$14.2M+21.2%
Net income$4.4M+65.1%
EPS (diluted)$0.69+64.3%

Balance sheet

See full
Cash & equivalents$42.3M-15.0%
Total debt$1.7M+2.2%
Total equity$179.2M+6.8%
Total assets$1.8B+1.0%

Cash flow

See full
Operating cash flow$6.1M+94.9%
CapEx$800.0K-17.6%
Free cash flow$5.3M+145%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$187.42M+4.0%
Enterprise value$146.77M+11.1%
P/E14.4×-6.3×
P/S3.6×-0.5×

Profitability

See full
Net margin24.8%+4.9pp
FCF margin24.6%+16.2pp

Returns & leverage

See full
Return on equity7.5%+1.4pp
Debt / equity0×0.0×

Segments

By product

See full
Fiduciary And Trust$700.0K+20.7%
Deposit Account$681.0K-3.8%
Credit And Debit Card$492.0K+43.0%

Versus estimates

Revenue

Q2 2026$6.9MMiss by $8.7MQ1 2026$21.6MBeat by $7.6MQ4 2025$22.2MBeat by $8.1M
Q3 2025$21.4M
Q2 2025$20.8MQ1 2025$20.8M

Diluted EPS

Q2 2026$0.79Miss by $0.01Q1 2026$0.78Beat by $0.13Q4 2025$0.84Beat by $0.16
Q3 2025$0.69Beat by $0.03
Q2 2025$0.61In lineQ1 2025$0.48Miss by $0.04

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Questions, answered.

When did National Bankshares report Q3 2025 earnings?
National Bankshares (NKSH) reported Q3 2025 earnings on October 23, 2025 before market open.
What were National Bankshares's Q3 2025 revenue and EPS?
National Bankshares reported revenue of $21.4M and eps of $0.69 for Q3 2025.
Did National Bankshares beat estimates in Q3 2025?
EPS beat the consensus estimate of $0.66 by $0.03.
How did National Bankshares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 83.0% from $11.7M a year earlier and eps grew 64.3% from $0.42.
Where can I find National Bankshares's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001193125-25-279374) directly on SEC EDGAR. The filing index links above go to sec.gov.