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National Bankshares, Inc (NKSH) Fair Value & Analysis

Financial Services · US · Market cap $225M

Price$36.25
Fair Value$32.31
Upside-10.9%
Quality95/100
Evidence: High Range $24.23 – $40.38

Fair value as of: Jun 26, 2026

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Analysis

National Bankshares, Inc (NKSH) currently trades at $36.25, while our model-based Fair Value estimate is $32.31 — implying the stock looks roughly 10.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg that provides retail and commercial banking products and services to individuals, businesses, non-profits, and local governments. The company accepts interest-bearing and non-interest-bearing demand deposit accounts, money market deposit accounts, savings accounts, certificates of deposit, health savings accounts, and individual retirement accounts. Its loan products include commercial non-real estate loans, including commercial and agricultural loans; commercial and consumer real estate loans; residential real estate loans; home equity loans; various consumer loans, such as credit cards, automobile, and other consumer loans; and public sector and IDA loans, as well as loans for the construction of commercial and residential properties. The company also provides business and consumer debit and credit cards; letters of credit, night depository, safe deposit boxes, utility payment servic…

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Frequently asked questions

Is National Bankshares, Inc (NKSH) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $32.31 versus a price of $36.25 — about −11% (overvalued). Model-based estimate, not financial advice.
What is the fair value of NKSH?
Our 21-model fair value for National Bankshares, Inc is $32.31 (as of Jun 26, 2026), built from audited fundamentals. The current price is $36.25.
What is the quality score of NKSH?
National Bankshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.