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National Bankshares NKSH Gain (Loss) on Sale of Mortgage Loans

Gain (Loss) on Sale of Mortgage Loans at other companies

Blue Ridge Bankshares logo
Blue Ridge BanksharesBRBS
$0-100%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$265K-2.6%
HBT
HBT Financial, Inc.HBT
$331K+31.3%

Other financials

Income statement

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Revenue$15.3M+19.4%
Net income$5.0M+53.9%
EPS (diluted)$0.78+52.9%

Balance sheet

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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

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Operating cash flow$3.3M+28.6%
CapEx$229.0K-76.2%
Free cash flow$3.1M+91.6%

Valuation

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Market cap$231.36M+34.3%
Enterprise value$171.13M+111%
P/E13.2×-2.1×
P/S+0.5×

Profitability

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Net margin30.3%+12.1pp
FCF margin28.6%+19.7pp

Returns & leverage

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Return on equity9.9%+4.2pp
Debt / equity0.0×

Where this comes from

Reported directly by National Bankshares in its filing.

Tagged under the XBRL concept us-gaap:GainLossOnSaleOfMortgageLoans.

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 gain (loss) on sale of mortgage loans?
National Bankshares (NKSH) reported gain (loss) on sale of mortgage loans of $19K in Q1 2026.
How has National Bankshares's gain (loss) on sale of mortgage loans changed year-over-year?
National Bankshares's gain (loss) on sale of mortgage loans decreased by 24.0% year-over-year, from $25K to $19K.
What is the long-term trend for National Bankshares's gain (loss) on sale of mortgage loans?
Over 4 years (2021 to 2025), National Bankshares's gain (loss) on sale of mortgage loans has grown at a -11.2% compound annual growth rate (CAGR), from $364K to $226K.
What does gain (loss) on sale of mortgage loans mean?
Represents the realized profit or loss recognized upon the sale of mortgage loans held for sale to third-party investors. This figure reflects the spread between the sale price and the carrying value of the loans, including capitalized servicing rights. It serves as a key indicator of the profitability of the bank's mortgage banking operations.