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National Bankshares NKSH Provision for Credit Losses

Provision for Credit Losses at other companies

Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$1.14B+21.8%
First Community Bankshares logo
First Community BanksharesFCBC
$378K+17.8%
Blue Ridge Bankshares logo
Blue Ridge BanksharesBRBS
-$600K
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$500K-20.0%
Union Bankshares logo
Union BanksharesUNB
-$325K-238%
PRO
Provident Financial HoldingsPROV
$326K+183%

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:ProvisionForLoanLeaseAndOtherLosses.

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 provision for credit losses?
National Bankshares (NKSH) reported provision for credit losses of -$73K in Q1 2026.
How has National Bankshares's provision for credit losses changed year-over-year?
National Bankshares's provision for credit losses decreased by 126.4% year-over-year, from $276K to -$73K.
What is the long-term trend for National Bankshares's provision for credit losses?
Over 4 years (2021 to 2025), National Bankshares's provision for credit losses has grown at a -55.2% compound annual growth rate (CAGR), from -$398K to -$16K.
What does provision for credit losses mean?
Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.