What is the 13F Pro Quality Score for NKSH?

13F Pro ranks NATIONAL BANKSHARES INC (NKSH) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View NKSH's current score at https://13fpro.ai/research/NKSH (free sign-up required for the full ranking).

Which hedge funds own the most NKSH stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of NKSH include BlackRock,, Fourthstone, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/NKSH as soon as new 13F filings post.

Where does 13F Pro source NKSH data?

All NATIONAL BANKSHARES INC fundamentals and ownership data come directly from SEC EDGAR. NATIONAL BANKSHARES INC files with the SEC under CIK 796534. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is NKSH in?

NATIONAL BANKSHARES INC (NKSH) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is NKSH research updated on 13F Pro?

NKSH's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

NATIONAL BANKSHARES INC(NKSH)Stock Analysis

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13F Pro Quality Score

57.3/100

Rank #1,053 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

57.2/100

Profitability

97.2/100

Balance Sheet

42.1/100

Earnings Quality

45.7/100

Free Cash Flow

96.6/100

Institutional Flow

19.9/100

Revenue Scale

3.1/100

Dilution Risk

38.3/100

NKSH Stock Analysis & AI Quality Score

AI stock analysis and institutional research for NATIONAL BANKSHARES INC (NKSH), a Financials sector company. 13F Pro's AI-powered ranking engine scores NKSH at 57.3/100 on a 32-signal composite quality model, placing it at rank #1,053 of 2,879 stocks — the top half of the AI-ranked universe. NKSH scores in the top quartile across profitability (97.2), free cash flow (96.6). Areas of concern include revenue scale (3.1) and institutional flow (19.9), which score below median versus the broader universe. Shareholder dilution risk is elevated at 38.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), NATIONAL BANKSHARES INC reports quarterly revenue of $15.3M, net income of $5.0M, an operating margin of 39.5%. Top institutional holders of NKSH by reported 13-F value include BlackRock,, Fourthstone, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. NKSH trades on the Nasdaq exchange and files with the SEC under CIK 796534. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NKSH daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for NATIONAL BANKSHARES INC directly from SEC EDGAR. NATIONAL BANKSHARES INC's 13F Pro composite quality score has ranged between 50 and 59 since 2021, currently 57.3 — a stable long-term trajectory across 30 quarterly and live scoring snapshots.

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Fun facts about NATIONAL BANKSHARES INC

Quirks, history, and lore behind NKSH — the kind of stuff that makes a stock memorable.

1
The Basics
A community banking company · small-cap · listed on Nasdaq · headquartered in southwestern Virginia.
2
The Numbers
Total assets in the neighborhood of $1.5 billion — not exactly JPMorgan, but a very solid regional franchise serving rural and small-town markets.
3
The History
Traces its roots back to the early 20th century in the Virginia highlands, quietly outlasting booms, busts, and every financial crisis that wiped out flashier rivals.
4
The Secret
It's a bank holding company whose main subsidiary operates across the New River Valley and surrounding Appalachian communities — the kind of bank that knows your name when you walk in.
5
The Lore
Consistently praised for its conservative lending culture and healthy dividend track record — a perennial favorite among investors who like their banks boring, in the best possible way.
6
The Giveaway
Its ticker is four letters starting with NK, its hometown is Radford, Virginia, and its full name tells you exactly what it is: a national bankshares operation rooted in the Blue Ridge foothills.

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Revenue

Q1 2026

$15.3M

Net Income

Q1 2026

$5.0M

Free Cash Flow

Q1 2026

$3.1M

Operating Margin

Q1 2026

39.5%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+5.3% YoY

$7.4MFY 2024

FY21 $6.7MFY22 $7.0MFY23 $7.1MFY24 $7.4M

Net Income

-51.4% YoY

$7.6MFY 2024

FY21 $20.4MFY22 $25.9MFY23 $15.7MFY24 $7.6M

EPS (Diluted)

-53.4% YoY

$1.24FY 2024

FY21 —FY22 $4.33FY23 $2.66FY24 $1.24

Total Assets

+9.4% YoY

$1.81BFY 2024

FY21 $1.70BFY22 $1.68BFY23 $1.66BFY24 $1.81B

Op. Cash Flow

-39.2% YoY

$9.4MFY 2024

FY21 $22.9MFY22 $29.5MFY23 $15.5MFY24 $9.4M

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2019	FY 2018
Revenue	$7.4M +5.3%	$7.1M +1.1%	$7.0M +5.1%	$6.7M +8.1%	$6.2M -1.8%	$6.3M
Net Income	$7.6M -51.4%	$15.7M -39.5%	$25.9M +27.2%	$20.4M +16.7%	$17.5M +8.1%	$16.2M
EPS (Diluted)	$1.24 -53.4%	$2.66 -38.6%	$4.33	—	$2.65 +14.2%	$2.32
Total Assets	$1.81B +9.4%	$1.66B -1.3%	$1.68B -1.4%	$1.70B +28.8%	$1.32B +5.2%	$1.26B
Operating Cash Flow	$9.4M -39.2%	$15.5M -47.4%	$29.5M +28.9%	$22.9M +21.5%	$18.8M -4.9%	$19.8M

AI Insight: NKSH Financial Trends

Net income surged 67% from Q2 2025 to Q1 2026, but operating cash flow decelerated sharply in latest quarter.

• Net income rose from $2M in Q2 2025 to $5M in Q1 2026, a 150% increase over three quarters.

• Operating cash flow peaked at $7M in Q4 2025, then fell 57% to $3M in Q1 2026.

• Equity grew 25% from $149M in Q2 2024 to $187M in Q1 2026, reflecting retained earnings.

⚠ Operating cash flow declined sharply in latest quarter despite higher net income—potential working capital or timing issue.

⚠ Revenue flat at $2M across all eight quarters; profitability gains appear driven by cost control, not growth.

AI Insight: NKSH Ratio Trends

NKSH's return metrics rebounded sharply in Q4 2025–Q1 2026, with ROIC recovering to 12.9% after a mid-2025 dip, signaling operational stabilization.

• ROE climbed from 5.4% in Q2 2025 to 12.7% in Q4 2025, then settled at 10.6% in Q1 2026—sustained improvement versus early-2025 levels.

• ROIC recovered to 15.6% in Q4 2025 (highest on record) and held at 12.9% in Q1 2026, well above the 6.3% nadir in Q2 2025.

• ROA strengthened from 0.5% in Q2 2025 to 1.3% in Q4 2025, indicating improved profitability relative to assets.

⚠ Operating and net profit margins unavailable for Q3 2025 and Q4 2025—limit visibility into margin stability during the rebound period.

⚠ Volatility in Q2 2024 (negative returns across all metrics) suggests exposure to one-off write-downs or restructuring; monitor for recurrence.

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Available Research

13F Pro tracks comprehensive data for NATIONAL BANKSHARES INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of NKSH

BlackRock, Inc.
$16.1M441,205 sh
Fourthstone LLC
$10.5M288,567 sh
VANGUARD CAPITAL MANAGEMENT LLC
$9.8M269,647 sh
BRANDES INVESTMENT PARTNERS, LP
$7.0M193,422 sh
GEODE CAPITAL MANAGEMENT, LLC
$5.5M150,805 sh
DIMENSIONAL FUND ADVISORS LP
$4.9M134,276 sh
STATE STREET CORP
$3.1M86,075 sh
rhino investment partners, Inc
$2.6M70,353 sh
LPL Financial LLC
$1.9M52,030 sh
RBF Capital, LLC
$1.8M50,000 sh

Fund	Value	Shares
BlackRock, Inc.	$16.1M	441,205
Fourthstone LLC	$10.5M	288,567
VANGUARD CAPITAL MANAGEMENT LLC	$9.8M	269,647
BRANDES INVESTMENT PARTNERS, LP	$7.0M	193,422
GEODE CAPITAL MANAGEMENT, LLC	$5.5M	150,805
DIMENSIONAL FUND ADVISORS LP	$4.9M	134,276
STATE STREET CORP	$3.1M	86,075
rhino investment partners, Inc	$2.6M	70,353
LPL Financial LLC	$1.9M	52,030
RBF Capital, LLC	$1.8M	50,000

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Is NKSH a good stock to buy?

13F Pro's AI-powered analysis of NATIONAL BANKSHARES INC (NKSH) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for NKSH are available on the NKSH stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own NKSH?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling NKSH. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of NATIONAL BANKSHARES INC's investment landscape.