National Bankshares (NKSH) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), National Bankshares had a P/E ratio of 13.48 (down from 23.94), return on equity of 9.3% (up from 5.1%), debt-to-equity of 0.01 (up from 0.01) and return on assets of 0.9% (up from 0.4%). Its dividend yield was 4.51% with a payout ratio of 60.7%.

National Bankshares Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	13.48	23.94	12.14	9.24	10.71	12.62
Forward P/E	12.15	13.11	16.34	9.71	12.40	14.43
P/S Ratio	3.84	4.13	3.98	4.08	4.30	4.60
P/B Ratio	1.15	1.17	1.36	1.95	1.14	1.01
Price/Tangible Book	1.24	1.27	1.42	2.05	1.17	1.04
Price/FCF	14.08	29.52	13.58	8.49	9.67	16.95
Price/OCF	11.92	19.34	12.27	8.13	9.54	14.71
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	9.27%	5.14%	11.92%	16.49%	10.39%	8.37%
Return on Assets (ROA)	0.87%	0.44%	0.94%	1.54%	1.27%	1.13%
Leverage & Solvency Ratios
Debt/Equity	0.01	0.01	0.01	0.01	0.01	0.01
Debt/FCF	0.14	0.25	0.08	0.05	0.07	0.17
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	7.42%	4.18%	8.24%	10.82%	9.34%	7.93%
FCF Yield	7.10%	3.39%	7.36%	11.78%	10.34%	5.90%
Dividend Yield	4.51%	5.26%	4.67%	3.69%	4.00%	5.77%
Payout Ratio	60.73%	121.53%	56.68%	34.51%	43.21%	55.98%
Buyback Yield	-3.23%	-4.65%	1.66%	3.55%	4.22%	1.48%
Total Return	1.28%	0.62%	6.33%	7.23%	8.22%	7.26%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About National Bankshares Financial Ratios

What is National Bankshares's P/E ratio?

National Bankshares's P/E ratio was 13.48 for fiscal 2025 (period ended Dec 31, 2025). It was 23.94 a year earlier.

What is National Bankshares's return on equity?

National Bankshares's return on equity (ROE) was 9.3% for fiscal 2025 (period ended Dec 31, 2025). It was 5.1% a year earlier.

What is National Bankshares's debt-to-equity ratio?

National Bankshares's debt-to-equity ratio was 0.01 for fiscal 2025 (period ended Dec 31, 2025). It was 0.01 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition