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National Bankshares NKSH Net margin

Net margin at other companies

Bank of AmericaBAC

27.3%+1.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

Truist FinancialTFC

26.9%-9.8pp

Blue Ridge BanksharesBRBS

13.5%+8.8pp

Citizens Financial Services, Inc.CZFS

34%+6.2pp

Union BanksharesUNB

20.8%+2.9pp

Other financials

Income statement

Revenue$15.3M+19.4%

Net income$5.0M+53.9%

EPS (diluted)$0.78+52.9%

Balance sheet

Cash & equivalents$62.2M-49.3%

Total debt$1.9M+34.6%

Total equity$187.4M+12.0%

Total assets$1.8B-0.4%

Cash flow

Operating cash flow$3.3M+28.6%

CapEx$229.0K-76.2%

Free cash flow$3.1M+91.6%

Valuation

Market cap$231.36M+34.3%

Enterprise value$171.13M+111%

P/E13.2×-2.1×

P/S4×+0.5×

Profitability

FCF margin28.6%+19.7pp

Returns & leverage

Return on equity9.9%+4.2pp

Debt / equity0×0.0×

Where this comes from

Calculated from National Bankshares’s reported figures.

net income/total revenue=30.3%

Based on trailing twelve months.

The official record: National Bankshares’s 10-Q, filed May 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is National Bankshares's net margin?: National Bankshares (NKSH) reported net margin of 30.3% in Q1 2026.
How has National Bankshares's net margin changed year-over-year?: National Bankshares's net margin increased by 66.3% year-over-year, from 18.2% to 30.3%.
What is the long-term trend for National Bankshares's net margin?: Over 5 years (2020 to 2025), National Bankshares's net margin has grown at a -4.0% compound annual growth rate (CAGR), from 34.9% to 28.5%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.