National Bankshares
Operates a Virginia community-bank franchise alongside investment and insurance services.
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Profile
Operates National Bank, a Virginia community bank, alongside NBFS investment and insurance services. Its one-bank holding-company structure is concentrated in southwest, western, and central Virginia.
Operates National Bank, a community bank serving southwest, western, and central Virginia, with NBFS providing investment and insurance services in the same trade area. Its banking and financial-services operations share that Virginia trade area.
The banking franchise traces its operating predecessor to 1891 and combines 28 full-service offices with a Charlottesville loan production office. National Bankshares is the bank's one-bank holding company, a structure that includes NBFS and has expanded through local-bank acquisitions, including Frontier Community Bank.
The business is shaped by its Virginia-focused footprint, local community-bank operating identity, and one-bank holding-company structure.
Company facts
Categories
Key statistics
Year to date +24.2% · Average volume (30d) 39.3K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $0.80 | $0.79 | −1.3% | $15.7M | $6.9M | −55.8% | +2.12% |
| Apr 23, 2026Q1 FY26 | $0.65 | $0.78 | +20.0% | $14.1M | $21.6M | +53.8% | −2.62% |
| Jan 22, 2026Q4 FY25 | $0.68 | $0.84 | +23.5% | $14.1M | $22.2M | +57.6% | +0.47% |
| Oct 23, 2025Q3 FY25 | $0.66 | $0.69 | +4.5% | — | $21.4M | — | +1.57% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $20.8M | $20.8M | $21.4M | $22.2M | $21.6M | $6.9M | |
| Gross profit | $12.5M | $13.2M | $13.8M | $15.9M | $15.4M | $671.0K | |
| Operating income | $3.9M | $2.7M | $5.4M | $7.2M | $6.0M | −$6.0M | |
| Net income | $3.2M | $2.3M | $4.4M | $5.9M | $5.0M | $5.0M | |
| Diluted EPS | $0.51 | $0.36 | $0.69 | $0.92 | $0.78 | $0.79 | |
| Gross margin | 60.4% | 63.6% | 64.4% | 71.7% | 71.1% | 9.7% | |
| Operating margin | 18.8% | 12.7% | 25.1% | 32.6% | 28.0% | -87.4% |
Fiscal years (4-quarter sums)FY21 $53.4M · FY22 $62.5M · FY23 $68.2M · FY24 $79.1M · FY25 $85.2M
Balance sheet, Jun 30, 2026Cash & short-term investments $661.5M · Total debt $0 · Total assets $1.83B · Shareholders' equity $192.2M
Dividends
Raised for 25 straight years. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| May 26, 2026 | May 26 | Jun 1 | $0.75 | cut from $0.78 |
| Nov 24, 2025 | Nov 24 | Dec 1 | $0.78 | raised from $0.73 |
| May 27, 2025 | May 27 | Jun 2 | $0.73 | cut from $0.78 |
| Nov 25, 2024 | Nov 25 | Dec 2 | $0.78 | raised from $0.73 |
| May 24, 2024 | May 28 | Jun 3 | $0.73 | cut from $0.78 |
| Nov 17, 2023 | Nov 20 | Dec 1 | $0.78 | raised from $0.73 |
| May 19, 2023 | May 22 | Jun 1 | $0.73 | cut from $0.78 |
| Jan 20, 2023 | Jan 23 | Feb 3 | $1.00 | special dividend |
Ownership
Shares outstanding 6.37M · Float 6.16M · 96.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 441.2K | 6.93% | 13F | May 13, 2026 |
| Fourthstone LLC | 288.6K | 4.53% | 13F | May 15, 2026 |
| Vanguard Capital Management LLC | 269.6K | 4.23% | 13F | May 15, 2026 |
| Brandes Investment Partners, LP | 193.4K | 3.04% | 13F | May 15, 2026 |
| Geode Capital Management, LLC | 150.8K | 2.37% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Mar 13, 2026 | Alan Jeffrey Sweet | director | +215 | $37.10 |
Peers
- Atlantic Union Bankshares
Statewide Virginia rival in deposits, lending, wealth and insurance
- Truist Financial
Large Virginia branch-bank rival in retail and commercial banking
- Wells Fargo
National-bank rival in local deposits, lending and wealth services
- Carter Bankshares
Virginia community-bank rival with branches in Blacksburg and Roanoke
- First Community Bankshares
Community-bank rival in central and southwestern Virginia banking
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| National Bankshares | $40.94 | −0.17% | $260.7M | 12.9 | 10.6 | 3.6 | −66.8% |
| Atlantic Union Bankshares | $40.66 | +0.02% | $5.77B | 12.1 | 10.5 | 2.6 | −3.5% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| Carter Bankshares | $31.47 | +0.10% | $697.4M | 5.4 | 13.4 | 2.0 | +72.0% |
| First Community Bankshares | $48.92 | −0.18% | $923.0M | 15.4 | 16.1 | 6.7 | +48.5% |
| Median | 12.1 | 11.6 | 2.1 | +8.6% |