National Bankshares（9F2）株式概要National Bankshares, Inc.はNational Bank of Blacksburgの銀行持株会社として、個人、企業、非営利団体、地方自治体向けにリテールおよび商業銀行商品やサービスを提供している。 詳細9F2 ファンダメンタル分析スノーフレーク・スコア評価2/6将来の成長1/6過去の実績4/6財務の健全性6/6配当金4/6報酬当社が推定した公正価値より21.6%で取引されている 収益は年間10.12%増加すると予測されています 過去1年間で収益は102.3%増加しました 4.2%の安定した配当金を支払う リスク分析リスクチェックの結果、9F2 、リスクは検出されなかった。すべてのリスクチェックを見る9F2 Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW494,214 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINROAG494,214 investors already sharing narrativesYour Fair Value€Current Price€30.6025.6% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture059m2016201920222025202620282031Revenue US$59.1mEarnings US$17.8mAdvancedSet Fair ValueView all narrativesNational Bankshares, Inc. 競合他社UmweltBankSymbol: XTRA:UBKMarket cap: €149.4mMerkur PrivatBank KgaASymbol: XTRA:MBKMarket cap: €87.1mProCredit HoldingSymbol: XTRA:PCZMarket cap: €497.1mCitizens Community BancorpSymbol: NasdaqGM:CZWIMarket cap: US$222.3m価格と性能株価の高値、安値、推移の概要National Bankshares過去の株価現在の株価US$30.6052週高値US$33.0052週安値US$23.20ベータ0.551ヶ月の変化-1.29%3ヶ月変化-2.55%1年変化22.40%3年間の変化23.39%5年間の変化3.36%IPOからの変化21.43%最新ニュースBuy Or Sell Opportunity • Jul 03Now 20% undervaluedOver the last 90 days, the stock has risen 1.3% to €31.80. The fair value is estimated to be €39.86, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 25%.Buy Or Sell Opportunity • Jun 15Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 9.8% to €29.40. The fair value is estimated to be €37.64, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 25%.Declared Dividend • May 25Dividend of US$0.75 announcedShareholders will receive a dividend of US$0.75. Ex-date: 26th May 2026 Payment date: 1st June 2026 Dividend yield will be 4.7%, which is about the same as the industry average. Sustainability & Growth The dividend has increased by an average of 2.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 10% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Apr 01National Bankshares, Inc., Annual General Meeting, May 12, 2026National Bankshares, Inc., Annual General Meeting, May 12, 2026. Location: at the inn at virginia tech, at 901 prices fork road, blacksburg, virginia. United Statesお知らせ • Nov 14National Bankshares, Inc. Approves Semi-Annual Dividend, Payable on December 1, 2025The Board of Directors of National Bankshares, Inc. approved payment on December 1, 2025 of a semi-annual dividend of $0.78 per share to all stockholders of record as of November 24, 2025.お知らせ • Apr 01National Bankshares, Inc., Annual General Meeting, May 13, 2025National Bankshares, Inc., Annual General Meeting, May 13, 2025. Location: the inn at virginia tech, 901 prices fork road, 901 prices fork road, blacksburg, virginia 24061, virginia United States最新情報をもっと見るRecent updatesBuy Or Sell Opportunity • Jul 03Now 20% undervaluedOver the last 90 days, the stock has risen 1.3% to €31.80. The fair value is estimated to be €39.86, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 25%.Buy Or Sell Opportunity • Jun 15Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 9.8% to €29.40. The fair value is estimated to be €37.64, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 25%.Declared Dividend • May 25Dividend of US$0.75 announcedShareholders will receive a dividend of US$0.75. Ex-date: 26th May 2026 Payment date: 1st June 2026 Dividend yield will be 4.7%, which is about the same as the industry average. Sustainability & Growth The dividend has increased by an average of 2.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 10% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Apr 01National Bankshares, Inc., Annual General Meeting, May 12, 2026National Bankshares, Inc., Annual General Meeting, May 12, 2026. Location: at the inn at virginia tech, at 901 prices fork road, blacksburg, virginia. United Statesお知らせ • Nov 14National Bankshares, Inc. Approves Semi-Annual Dividend, Payable on December 1, 2025The Board of Directors of National Bankshares, Inc. approved payment on December 1, 2025 of a semi-annual dividend of $0.78 per share to all stockholders of record as of November 24, 2025.お知らせ • Apr 01National Bankshares, Inc., Annual General Meeting, May 13, 2025National Bankshares, Inc., Annual General Meeting, May 13, 2025. Location: the inn at virginia tech, 901 prices fork road, 901 prices fork road, blacksburg, virginia 24061, virginia United StatesReported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.42 (vs US$0.52 in 3Q 2023)Third quarter 2024 results: EPS: US$0.42 (down from US$0.52 in 3Q 2023). Revenue: US$11.7m (up 5.1% from 3Q 2023). Net income: US$2.68m (down 13% from 3Q 2023). Profit margin: 23% (down from 28% in 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 19% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.お知らせ • Oct 18National Bankshares, Inc. and The National Bank of Blacksburg Announce Executive ChangesNational Bankshares, Inc. announced the promotion of Lara E. Ramsey to President of the Company and its subsidiary bank, The National Bank of Blacksburg, effective January 1, 2025. Ms. Ramsey has been with the Company since 1996, most recently as Executive Vice President and Chief Operating Officer. During her career at National Bankshares she has led the Company’s Investment, Human Resources, Marketing, Training, Corporate Administration, and Strategic Initiative functions. The Company’s current President and Chief Executive Officer, F. Brad Denardo, will continue to serve as Chairman and Chief Executive Officer of the bank and holding company. A native of Lebanon, Virginia, Ms. Ramsey is a graduate of Radford University with a dual bachelor's degree in Psychology and Economics and a master's degree in Industrial and Organizational Psychology. She is also a graduate of the Virginia Bankers Association’s School of Bank Management, the American Bankers Association’s Stonier Graduate School of Banking, The New River Valley Leadership program, and is a certified Senior Professional in Human Resources. Ms. Ramsey serves on the Radford University Alumni Association Board of Directors and the Radford University Athletic Foundation Board of Directors. She is a past Board Member of both the United Way of the New River Valley and the Montgomery County Chamber of Commerce. Ms. Ramsey resides in Radford with her husband, Sean. The couple have an adult son, Benjamin, who is currently pursuing a master’s degree at Virginia Tech.New Risk • Jul 28New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 7.9% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Dividend is not well covered by earnings (98% payout ratio). Profit margins are more than 30% lower than last year (21% net profit margin). Shareholders have been diluted in the past year (7.9% increase in shares outstanding).Reported Earnings • Jul 26Second quarter 2024 earnings released: US$0.051 loss per share (vs US$0.66 profit in 2Q 2023)Second quarter 2024 results: US$0.051 loss per share (down from US$0.66 profit in 2Q 2023). Revenue: US$9.47m (down 21% from 2Q 2023). Net loss: US$306.0k (down 108% from profit in 2Q 2023). Over the last 3 years on average, earnings per share has fallen by 9% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.お知らせ • Jun 05Alan Sweet to Serve on the Boards of Directors of National Bankshares and The National Bank of BlacksburgAlan Sweet, former President and Chief Executive Officer of Frontier, will serve on the boards of directors of National Bankshares and The National Bank of Blacksburg (National Bank).Reported Earnings • Apr 26First quarter 2024 earnings released: EPS: US$0.37 (vs US$0.77 in 1Q 2023)First quarter 2024 results: EPS: US$0.37 (down from US$0.77 in 1Q 2023). Revenue: US$10.5m (down 21% from 1Q 2023). Net income: US$2.17m (down 52% from 1Q 2023). Profit margin: 21% (down from 35% in 1Q 2023). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 3% per year.Reported Earnings • Mar 21Full year 2023 earnings released: EPS: US$2.66 (vs US$4.33 in FY 2022)Full year 2023 results: EPS: US$2.66 (down from US$4.33 in FY 2022). Revenue: US$47.9m (down 18% from FY 2022). Net income: US$15.7m (down 40% from FY 2022). Profit margin: 33% (down from 44% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.38% (down from 2.88% in FY 2022). Cost-to-income ratio: 61.0% (up from 47.7% in FY 2022). Non-performing loans: 0.31% (down from 0.33% in FY 2022). Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.お知らせ • Feb 29National Bankshares, Inc., Annual General Meeting, May 14, 2024National Bankshares, Inc., Annual General Meeting, May 14, 2024. Location: The Inn at Virginia Tech and Skelton Conference Center 901 Prices Fork Road , Blacksburg Virginia United StatesValuation Update With 7 Day Price Move • Feb 07Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €25.20, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 15% over the past three years.Reported Earnings • Jan 27Full year 2023 earnings released: EPS: US$2.66 (vs US$4.33 in FY 2022)Full year 2023 results: EPS: US$2.66 (down from US$4.33 in FY 2022). Revenue: US$47.9m (down 18% from FY 2022). Net income: US$15.7m (down 40% from FY 2022). Profit margin: 33% (down from 44% in FY 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.お知らせ • Jan 25National Bankshares, Inc. Appoints Lara E. Ramsey as DirectorNational Bankshares, Inc.’s Board of Directors appointed Lara E. Ramsey as a new director of the Company, effective immediately. Ms. Ramsey has served as Executive Vice President and Chief Operating Officer of the Company since May 2023 and has served in various senior officer positions with the Company and the Bank since 1996.Valuation Update With 7 Day Price Move • Dec 19Investor sentiment improves as stock rises 22%After last week's 22% share price gain to €32.20, the stock trades at a forward P/E ratio of 16x. Average forward P/E is 7x in the Banks industry in Europe. Total loss to shareholders of 6.6% over the past year.Reported Earnings • Oct 27Third quarter 2023 earnings released: EPS: US$0.52 (vs US$1.03 in 3Q 2022)Third quarter 2023 results: EPS: US$0.52 (down from US$1.03 in 3Q 2022). Revenue: US$11.2m (down 22% from 3Q 2022). Net income: US$3.07m (down 50% from 3Q 2022). Profit margin: 28% (down from 43% in 3Q 2022).Reported Earnings • Jul 26Second quarter 2023 earnings released: EPS: US$0.66 (vs US$0.93 in 2Q 2022)Second quarter 2023 results: EPS: US$0.66 (down from US$0.93 in 2Q 2022). Revenue: US$12.0m (down 8.3% from 2Q 2022). Net income: US$3.90m (down 30% from 2Q 2022). Profit margin: 33% (down from 43% in 2Q 2022). The decrease in margin was primarily driven by lower revenue. Revenue is expected to decline by 13% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 4.4%.Board Change • Jul 26Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. 6 highly experienced directors. Chairman, President & CEO F. Denardo was the last director to join the board, commencing their role in 2017. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.株主還元9F2DE BanksDE 市場7D-4.4%-0.7%-2.6%1Y22.4%43.8%-0.1%株主還元を見る業界別リターン: 9F2過去 1 年間で43.8 % の収益を上げたGerman Banks業界を下回りました。リターン対市場: 9F2過去 1 年間で-0.1 % の収益を上げたGerman市場を上回りました。価格変動Is 9F2's price volatile compared to industry and market?9F2 volatility9F2 Average Weekly Movement7.0%Banks Industry Average Movement3.5%Market Average Movement5.4%10% most volatile stocks in DE Market12.6%10% least volatile stocks in DE Market2.8%安定した株価: 9F2 、 German市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: 9F2の 週次ボラティリティ ( 7% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト1891251Lara Ramseywww.nationalbankshares.comの銀行持株会社として、個人、企業、非営利団体、 地方自治体向けにリテールおよび商業銀行商品・サービスを提供。有利子および無利子の要求払い預金口座、マネー・マーケット預金口座、貯蓄口座、譲渡性預金、健康貯蓄口座、個人退職金口座を受け付けている。ローン商品には、商業用および農業用ローンを含む商業用非不動産ローン、商業用および消費者向け不動産ローン、住宅用不動産ローン、ホーム・エクイティ・ローン、クレジットカード、自動車、その他消費者向けローンなどの各種消費者ローン、公的機関向けローン、IDAローン、商業用および住宅用不動産の建設用ローンなどがある。また、ビジネスおよび消費者向けデビットカード、クレジットカード、信用状、夜間預金サービス、貸金庫、公共料金支払いサービス、自動資金振替、資産管理、信託、財産管理サービス、預金以外の投資および保険商品、電話、モバイル、インターネットバンキングサービスも提供し、現金自動預け払い機も運営している。創業は1891年で、バージニア州ブラックスバーグに本社を置く。もっと見るNational Bankshares, Inc. 基礎のまとめNational Bankshares の収益と売上を時価総額と比較するとどうか。9F2 基礎統計学時価総額€200.25m収益（TTM）€15.39m売上高(TTM)€51.18m13.0xPER（株価収益率1.2xPBR（株価純資産倍率9F2 は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計9F2 損益計算書（TTM）収益US$58.42m売上原価US$0売上総利益US$58.42mその他の費用US$40.85m収益US$17.57m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）2.76グロス・マージン100.00%純利益率30.08%有利子負債／自己資本比率0%9F2 の長期的なパフォーマンスは？過去の実績と比較を見る配当金4.2%現在の配当利回り55%配当性向View Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/13 21:11終値2026/07/10 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋National Bankshares, Inc. 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。2 アナリスト機関Christopher MarinacBrean Capital Historical (Janney Montgomery)Brendan NosalPiper Sandler Companies
Buy Or Sell Opportunity • Jul 03Now 20% undervaluedOver the last 90 days, the stock has risen 1.3% to €31.80. The fair value is estimated to be €39.86, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 25%.
Buy Or Sell Opportunity • Jun 15Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 9.8% to €29.40. The fair value is estimated to be €37.64, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 25%.
Declared Dividend • May 25Dividend of US$0.75 announcedShareholders will receive a dividend of US$0.75. Ex-date: 26th May 2026 Payment date: 1st June 2026 Dividend yield will be 4.7%, which is about the same as the industry average. Sustainability & Growth The dividend has increased by an average of 2.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 10% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Apr 01National Bankshares, Inc., Annual General Meeting, May 12, 2026National Bankshares, Inc., Annual General Meeting, May 12, 2026. Location: at the inn at virginia tech, at 901 prices fork road, blacksburg, virginia. United States
お知らせ • Nov 14National Bankshares, Inc. Approves Semi-Annual Dividend, Payable on December 1, 2025The Board of Directors of National Bankshares, Inc. approved payment on December 1, 2025 of a semi-annual dividend of $0.78 per share to all stockholders of record as of November 24, 2025.
お知らせ • Apr 01National Bankshares, Inc., Annual General Meeting, May 13, 2025National Bankshares, Inc., Annual General Meeting, May 13, 2025. Location: the inn at virginia tech, 901 prices fork road, 901 prices fork road, blacksburg, virginia 24061, virginia United States
Buy Or Sell Opportunity • Jul 03Now 20% undervaluedOver the last 90 days, the stock has risen 1.3% to €31.80. The fair value is estimated to be €39.86, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 25%.
Buy Or Sell Opportunity • Jun 15Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 9.8% to €29.40. The fair value is estimated to be €37.64, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 25%.
Declared Dividend • May 25Dividend of US$0.75 announcedShareholders will receive a dividend of US$0.75. Ex-date: 26th May 2026 Payment date: 1st June 2026 Dividend yield will be 4.7%, which is about the same as the industry average. Sustainability & Growth The dividend has increased by an average of 2.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 10% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Apr 01National Bankshares, Inc., Annual General Meeting, May 12, 2026National Bankshares, Inc., Annual General Meeting, May 12, 2026. Location: at the inn at virginia tech, at 901 prices fork road, blacksburg, virginia. United States
お知らせ • Nov 14National Bankshares, Inc. Approves Semi-Annual Dividend, Payable on December 1, 2025The Board of Directors of National Bankshares, Inc. approved payment on December 1, 2025 of a semi-annual dividend of $0.78 per share to all stockholders of record as of November 24, 2025.
お知らせ • Apr 01National Bankshares, Inc., Annual General Meeting, May 13, 2025National Bankshares, Inc., Annual General Meeting, May 13, 2025. Location: the inn at virginia tech, 901 prices fork road, 901 prices fork road, blacksburg, virginia 24061, virginia United States
Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.42 (vs US$0.52 in 3Q 2023)Third quarter 2024 results: EPS: US$0.42 (down from US$0.52 in 3Q 2023). Revenue: US$11.7m (up 5.1% from 3Q 2023). Net income: US$2.68m (down 13% from 3Q 2023). Profit margin: 23% (down from 28% in 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 19% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.
お知らせ • Oct 18National Bankshares, Inc. and The National Bank of Blacksburg Announce Executive ChangesNational Bankshares, Inc. announced the promotion of Lara E. Ramsey to President of the Company and its subsidiary bank, The National Bank of Blacksburg, effective January 1, 2025. Ms. Ramsey has been with the Company since 1996, most recently as Executive Vice President and Chief Operating Officer. During her career at National Bankshares she has led the Company’s Investment, Human Resources, Marketing, Training, Corporate Administration, and Strategic Initiative functions. The Company’s current President and Chief Executive Officer, F. Brad Denardo, will continue to serve as Chairman and Chief Executive Officer of the bank and holding company. A native of Lebanon, Virginia, Ms. Ramsey is a graduate of Radford University with a dual bachelor's degree in Psychology and Economics and a master's degree in Industrial and Organizational Psychology. She is also a graduate of the Virginia Bankers Association’s School of Bank Management, the American Bankers Association’s Stonier Graduate School of Banking, The New River Valley Leadership program, and is a certified Senior Professional in Human Resources. Ms. Ramsey serves on the Radford University Alumni Association Board of Directors and the Radford University Athletic Foundation Board of Directors. She is a past Board Member of both the United Way of the New River Valley and the Montgomery County Chamber of Commerce. Ms. Ramsey resides in Radford with her husband, Sean. The couple have an adult son, Benjamin, who is currently pursuing a master’s degree at Virginia Tech.
New Risk • Jul 28New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 7.9% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Dividend is not well covered by earnings (98% payout ratio). Profit margins are more than 30% lower than last year (21% net profit margin). Shareholders have been diluted in the past year (7.9% increase in shares outstanding).
Reported Earnings • Jul 26Second quarter 2024 earnings released: US$0.051 loss per share (vs US$0.66 profit in 2Q 2023)Second quarter 2024 results: US$0.051 loss per share (down from US$0.66 profit in 2Q 2023). Revenue: US$9.47m (down 21% from 2Q 2023). Net loss: US$306.0k (down 108% from profit in 2Q 2023). Over the last 3 years on average, earnings per share has fallen by 9% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.
お知らせ • Jun 05Alan Sweet to Serve on the Boards of Directors of National Bankshares and The National Bank of BlacksburgAlan Sweet, former President and Chief Executive Officer of Frontier, will serve on the boards of directors of National Bankshares and The National Bank of Blacksburg (National Bank).
Reported Earnings • Apr 26First quarter 2024 earnings released: EPS: US$0.37 (vs US$0.77 in 1Q 2023)First quarter 2024 results: EPS: US$0.37 (down from US$0.77 in 1Q 2023). Revenue: US$10.5m (down 21% from 1Q 2023). Net income: US$2.17m (down 52% from 1Q 2023). Profit margin: 21% (down from 35% in 1Q 2023). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 3% per year.
Reported Earnings • Mar 21Full year 2023 earnings released: EPS: US$2.66 (vs US$4.33 in FY 2022)Full year 2023 results: EPS: US$2.66 (down from US$4.33 in FY 2022). Revenue: US$47.9m (down 18% from FY 2022). Net income: US$15.7m (down 40% from FY 2022). Profit margin: 33% (down from 44% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.38% (down from 2.88% in FY 2022). Cost-to-income ratio: 61.0% (up from 47.7% in FY 2022). Non-performing loans: 0.31% (down from 0.33% in FY 2022). Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
お知らせ • Feb 29National Bankshares, Inc., Annual General Meeting, May 14, 2024National Bankshares, Inc., Annual General Meeting, May 14, 2024. Location: The Inn at Virginia Tech and Skelton Conference Center 901 Prices Fork Road , Blacksburg Virginia United States
Valuation Update With 7 Day Price Move • Feb 07Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €25.20, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 15% over the past three years.
Reported Earnings • Jan 27Full year 2023 earnings released: EPS: US$2.66 (vs US$4.33 in FY 2022)Full year 2023 results: EPS: US$2.66 (down from US$4.33 in FY 2022). Revenue: US$47.9m (down 18% from FY 2022). Net income: US$15.7m (down 40% from FY 2022). Profit margin: 33% (down from 44% in FY 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
お知らせ • Jan 25National Bankshares, Inc. Appoints Lara E. Ramsey as DirectorNational Bankshares, Inc.’s Board of Directors appointed Lara E. Ramsey as a new director of the Company, effective immediately. Ms. Ramsey has served as Executive Vice President and Chief Operating Officer of the Company since May 2023 and has served in various senior officer positions with the Company and the Bank since 1996.
Valuation Update With 7 Day Price Move • Dec 19Investor sentiment improves as stock rises 22%After last week's 22% share price gain to €32.20, the stock trades at a forward P/E ratio of 16x. Average forward P/E is 7x in the Banks industry in Europe. Total loss to shareholders of 6.6% over the past year.
Reported Earnings • Oct 27Third quarter 2023 earnings released: EPS: US$0.52 (vs US$1.03 in 3Q 2022)Third quarter 2023 results: EPS: US$0.52 (down from US$1.03 in 3Q 2022). Revenue: US$11.2m (down 22% from 3Q 2022). Net income: US$3.07m (down 50% from 3Q 2022). Profit margin: 28% (down from 43% in 3Q 2022).
Reported Earnings • Jul 26Second quarter 2023 earnings released: EPS: US$0.66 (vs US$0.93 in 2Q 2022)Second quarter 2023 results: EPS: US$0.66 (down from US$0.93 in 2Q 2022). Revenue: US$12.0m (down 8.3% from 2Q 2022). Net income: US$3.90m (down 30% from 2Q 2022). Profit margin: 33% (down from 43% in 2Q 2022). The decrease in margin was primarily driven by lower revenue. Revenue is expected to decline by 13% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 4.4%.
Board Change • Jul 26Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. 6 highly experienced directors. Chairman, President & CEO F. Denardo was the last director to join the board, commencing their role in 2017. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
