Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.67 | 12.18 | 11.50 | 11.67 | 9.11 | 10.67 | 18.89 | 13.05 | 14.95 | 17.80 | — | 22.57 | 11.39 | 12.04 | 11.06 | 10.21 | 6.42 | 8.19 | 8.44 | 11.48 | 10.42 |
| — | +14.2% | -39.1% | -10.6% | -39.1% | -40.1% | — | -42.2% | +31.3% | +47.8% | — | +121.0% | +77.5% | +46.9% | +31.0% | -11.0% | -38.4% | -15.1% | -28.6% | -4.3% | +2.5% | |
| P/S Ratio | 5.25 | 4.06 | 112.94 | 3.79 | 3.49 | 3.32 | 3.26 | 3.31 | 3.73 | 4.06 | 3.89 | 4.71 | 4.44 | 3.43 | 3.58 | 3.52 | 3.18 | 3.47 | 3.52 | 4.43 | 4.18 |
| — | +22.5% | +3364.8% | +14.6% | -6.3% | -18.2% | -16.3% | -29.9% | -16.0% | +18.3% | +8.8% | +33.7% | +39.7% | -1.1% | +1.7% | -20.5% | -24.0% | -19.6% | -22.3% | -3.7% | +1.5% | |
| P/B Ratio | 1.35 | 1.51 | 1.20 | 1.24 | 1.15 | 1.05 | 1.03 | 1.01 | 1.17 | 1.13 | 1.14 | 1.41 | 1.36 | 1.27 | 1.34 | 1.41 | 1.95 | 1.80 | 1.38 | 1.39 | 1.14 |
| — | +44.8% | +17.3% | +22.2% | -1.1% | -7.8% | -10.4% | -28.3% | -13.9% | -10.8% | -14.5% | -0.1% | -30.4% | -29.4% | -3.3% | +1.4% | +71.5% | +53.9% | +21.6% | +15.9% | +12.6% | |
| P/FCF | 18.46 | — | 15.46 | 18.87 | 7.95 | 6.14 | 28.38 | 26.42 | 10.23 | 22.07 | — | 13.96 | 24.27 | 6.82 | 16.85 | 11.27 | 5.50 | 6.58 | 14.68 | 8.67 | 10.57 |
| — | — | -45.5% | -28.6% | -22.2% | -72.2% | — | +89.2% | -57.9% | +223.6% | — | +23.9% | +341.6% | +3.7% | +14.7% | +30.0% | -48.0% | -24.7% | +17.5% | +1.6% | -27.9% | |
| EV / EBITDA | 8.79 | 4.82 | — | 6.58 | 5.05 | 6.30 | 6.67 | 2.77 | 4.64 | 9.75 | — | 6.52 | 4.93 | 6.03 | 5.52 | 5.79 | 3.59 | 3.61 | 2.93 | 4.30 | 3.04 |
| — | -23.5% | — | +137.2% | +8.9% | -35.4% | — | -57.5% | -5.8% | +61.7% | — | +12.6% | +37.1% | +67.1% | +88.4% | +34.8% | +18.2% | +11.1% | +26.2% | +28.0% | +9.1% | |
| EV / EBIT | 9.93 | 4.82 | — | 7.01 | 5.33 | 6.74 | 7.56 | 3.02 | 5.07 | 10.88 | — | 7.03 | 5.13 | 6.37 | 5.73 | 5.96 | 3.64 | 3.68 | 2.99 | 4.41 | 3.11 |
| — | -28.5% | — | +132.4% | +5.1% | -38.1% | — | -57.1% | -1.2% | +70.8% | — | +17.9% | +40.8% | +72.9% | +91.8% | +35.3% | +17.0% | +10.8% | +25.2% | +27.7% | +8.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 98.0% | 131.1% | 100.5% | 104.2% | 97.8% | 99.7% | 97.8% | 100.5% | 100.0% | 88.1% | 100.1% | 108.1% | 103.4% | 100.0% | 100.0% | 99.9% | 98.3% | 97.7% | 98.9% | 100.5% |
| — | +0.2% | +31.4% | +2.7% | +3.6% | -2.2% | +13.2% | -2.2% | -7.1% | -3.3% | -11.9% | +0.1% | +8.2% | +5.3% | +2.4% | +1.1% | -0.5% | -4.6% | -2.3% | -0.7% | +0.5% | |
| Operating Margin | 34.5% | 41.3% | -1181.1% | 39.5% | 47.4% | 38.1% | 20.0% | 30.5% | 30.1% | 27.5% | -4.4% | 25.8% | 47.2% | 34.3% | 37.0% | 41.7% | 61.2% | 51.9% | 50.5% | 46.8% | 48.8% |
| — | +8.3% | -6012.0% | +29.7% | +57.3% | +38.5% | +552.7% | +18.2% | -36.2% | -19.8% | -111.9% | -38.2% | -22.8% | -33.9% | -26.8% | -11.0% | +25.4% | -3.4% | +9.3% | +0.2% | +0.4% | |
| Net Margin | 28.5% | 33.4% | 982.2% | 32.6% | 38.5% | 31.3% | 17.2% | 25.3% | 25.1% | 22.8% | -2.8% | 20.8% | 39.0% | 28.6% | 32.5% | 34.5% | 49.5% | 42.4% | 41.6% | 38.5% | 40.3% |
| — | +6.7% | +5594.3% | +28.9% | +53.2% | +37.2% | +717.0% | +21.3% | -35.5% | -20.1% | -108.6% | -39.6% | -21.2% | -32.5% | -22.0% | -10.5% | +22.7% | -4.8% | +8.3% | -0.1% | +0.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.3% | 3.0% | 2.6% | 2.7% | 3.2% | 2.5% | 1.4% | 2.0% | 1.9% | 1.7% | -0.2% | 1.6% | 3.3% | 2.5% | 3.0% | 3.6% | 7.9% | 5.0% | 3.7% | 2.8% | 2.7% |
| — | +17.2% | +94.5% | +33.8% | +70.1% | +50.4% | +742.0% | +28.7% | -41.8% | -32.8% | -107.1% | -56.5% | -58.9% | -49.3% | -19.8% | +29.0% | +188.8% | +64.8% | +54.4% | +13.2% | +11.7% | |
| ROA | 0.9% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.1% | 0.2% | 0.2% | 0.1% | -0.0% | 0.1% | 0.3% | 0.2% | 0.2% | 0.3% | 0.6% | 0.4% | 0.3% | 0.3% | 0.3% |
| — | +23.9% | +118.5% | +53.7% | +89.4% | +64.5% | +818.3% | +36.5% | -33.6% | -22.1% | -107.4% | -52.2% | -53.3% | -46.8% | -26.3% | -4.7% | +75.7% | +3.3% | +13.1% | -7.5% | -6.3% | |
| ROIC | 8.4% | 2.6% | -2.4% | 2.4% | 3.0% | 2.3% | 1.2% | 1.8% | 1.7% | 1.5% | -0.3% | 1.4% | 3.0% | 2.3% | 2.6% | 3.2% | 7.3% | 4.6% | 3.4% | 2.5% | 2.5% |
| — | +13.4% | -301.9% | +34.7% | +74.6% | +51.8% | +570.9% | +25.3% | -42.4% | -32.5% | -109.8% | -55.5% | -59.7% | -50.4% | -24.7% | +28.4% | +195.1% | +67.1% | +55.7% | +13.5% | +12.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | 0.10 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Debt / EBITDA | — | 1.35 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 0.05 | 0.41 | 0.41 | 0.07 | 0.05 | 0.05 | 0.42 | 0.10 | 0.09 | 0.42 | 0.43 | 0.48 | 0.47 | 0.44 | 0.46 | 0.47 | 0.48 | 0.48 | 0.50 | 0.53 | 0.56 |
| — | +810.2% | -3.0% | -28.5% | -39.0% | -89.3% | -1.4% | -80.2% | -81.0% | -4.8% | -7.5% | +1.7% | -0.7% | -7.4% | -8.0% | -11.9% | -14.3% | -11.5% | -7.2% | +0.2% | +5.1% | |
| Quick Ratio | 0.05 | 0.41 | 0.41 | 0.07 | 0.05 | 0.05 | 0.42 | 0.10 | 0.09 | 0.42 | 0.43 | 0.48 | 0.47 | 0.44 | 0.46 | 0.47 | 0.48 | 0.48 | 0.50 | 0.53 | 0.56 |
| — | +810.2% | -3.0% | -28.5% | -39.0% | -89.3% | -1.4% | -80.2% | -81.0% | -4.8% | -7.5% | +1.7% | -0.7% | -7.4% | -8.0% | -11.9% | -14.3% | -11.5% | -7.2% | +0.2% | +5.1% | |
| Interest Coverage | 0.64 | 2.05 | -0.94 | 0.96 | 1.04 | 0.73 | 0.35 | 0.49 | 0.44 | 0.35 | -0.06 | 0.35 | 0.72 | 0.61 | 0.83 | 1.77 | 11.19 | 10.03 | 10.46 | 9.07 | 9.20 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying NKSH stock.
National Bankshares, Inc.'s current P/E is 11.7x. The average P/E over the last 4 quarters is 11.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
National Bankshares, Inc.'s current operating margin is 34.5%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking National Bankshares, Inc.'s business trajectory between earnings reports.