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National Bankshares NKSH Q4 2025 Annual earnings

Reported January 22, 2026 · After market close

Revenue$22.2MBeat by $8.1M
EPS$0.84Beat by $0.16
Revenue estimate$14.1M
EPS estimate$0.68

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$15.3M+24.7%
Net income$5.9M+91.0%
EPS (diluted)$0.93+89.8%

Balance sheet

See full
Cash & equivalents$59.3M-45.2%
Total debt$2.0M+33.8%
Total equity$184.9M+18.2%
Total assets$1.8B+0.7%

Cash flow

See full
Operating cash flow$7.1M+31.8%
CapEx$432.0K-54.7%
Free cash flow$6.7M+50.3%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$213.45M+16.9%
Enterprise value$156.24M+105%
P/E13.5×-10.5×
P/S3.8×-0.2×

Profitability

See full
Net margin28.5%+11.7pp
FCF margin27.3%+13.6pp

Returns & leverage

See full
Return on equity9.3%+4.1pp
Debt / equity0×0.0×

Segments

By product

See full
Deposit Account$690.0K-2.7%
Fiduciary And Trust$615.0K+5.9%
Credit And Debit Card$404.0K+31.6%

Versus estimates

Revenue

Q2 2026$6.9MMiss by $8.7MQ1 2026$21.6MBeat by $7.6M
Q4 2025$22.2MBeat by $8.1M
Q3 2025$21.4MQ2 2025$20.8MQ1 2025$20.8M

Diluted EPS

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

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Questions, answered.

When did National Bankshares report Q4 2025 earnings?
National Bankshares (NKSH) reported Q4 2025 earnings on January 22, 2026 after market close.
What were National Bankshares's Q4 2025 revenue and EPS?
National Bankshares reported revenue of $22.2M and eps of $0.84 for Q4 2025.
Did National Bankshares beat estimates in Q4 2025?
Revenue beat the consensus estimate of $14.1M by $8.1M. EPS beat the consensus estimate of $0.68 by $0.16.
How did National Bankshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.0% from $20.6M a year earlier and eps grew 73.5% from $0.48.
Where can I find National Bankshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-019510) and the 10-K periodic report (0001193125-26-128311) directly on SEC EDGAR. The filing index links above go to sec.gov.