National Bankshares, Inc. (NKSH)

Several events have impacted National Bankshares, Inc.'s stock price in the past six months. In Q2 2025, the company reported EPS of $0.36, missing analysts' expectations, and completed a core banking system upgrade. A semiannual dividend of $0.73 was paid on June 1, 2025. In Q3 2025, National Bankshares reported net income of $4.42 million, or $0.69 per diluted common share, surpassing estimates due to higher loan yields and lower deposit costs. Total deposits decreased by 4.0% quarter-over-quarter, leading the company to take on $50 million in new borrowings. Weiss Ratings reaffirmed a "hold (c)" rating on shares of National Bankshares on October 8, 2025. A broader selloff in the S&P 500 Regional Banks Index occurred in October 2025, likely impacting NKSH's stock performance.

Specific demand seasonality for National Bankshares, Inc.'s products and services is not explicitly detailed. Regional banks typically see real estate loans as their largest product segment, with deposit services and other non-interest income generating services also accounting for a significant portion of demand. A peer regional bank noted a seasonal increase in municipal balances in the third quarter, with anticipated outflows in the fourth quarter, suggesting some seasonality in deposit types. Loan volumes in the regional banking sector are generally expected to be boosted by a stable economic landscape.

National Bankshares, Inc. is a community-focused bank holding company headquartered in Blacksburg, Virginia, operating in the finance sector. It operates as the parent company for The National Bank of Blacksburg and National Bankshares Financial Services, Inc., providing retail and commercial banking products and services to individuals, businesses, non-profits, and local governments. Its offerings include deposit accounts, loan products, business and consumer debit and credit cards, letters of credit, night depository services, safe deposit boxes, utility payment services, automatic funds transfer, wealth management, trust, and estate services, and non-deposit investment and insurance products. Digital banking services and automated teller machines are also part of its product portfolio. The company generates revenue from interest and fees on loans, non-interest income, and investments.

National Bankshares, Inc. operates primarily in southwestern, western, and central Virginia. The National Bank of Blacksburg maintains 28 full-service offices and one loan production office in Charlottesville, Virginia. The company is expanding its branch network, including a new full-service office in Roanoke, Virginia, and an upcoming relocation of its Lynchburg, Virginia, office.

National Bankshares, Inc. emphasizes its identity as a "community bank" with over 130 years of service, committed to "Banking Built on Values" such as honesty, integrity, and accountability. The company highlights its dedication to serving its communities, customers, and shareholders, with a commitment to local decision-making and active participation in the communities it serves. No specific events or controversies that significantly impacted National Bankshares, Inc.'s brand reputation in the past year were found.

National Bankshares, Inc. has 180 institutional owners and shareholders holding a total of 2,448,544 shares. Major institutional owners include BlackRock, Inc., Vanguard Group Inc, VTSMX - Vanguard Total Stock Market Index Fund Investor Shares, Brandes Investment Partners, Lp, IWM - iShares Russell 2000 ETF, Geode Capital Management, Llc, Dimensional Fund Advisors Lp, rhino investment partners, Inc, and CIBC World Markets Inc. Other institutional investors that have recently modified their holdings include Private Trust Co. NA, Bank of New York Mellon Corp, Kingsview Wealth Management LLC, JPMorgan Chase & Co., Invesco Ltd., Charles Schwab Investment Management Inc., D.A. Davidson & CO., Goldman Sachs Group Inc., and PNC Financial Services Group Inc.