National Bankshares's earnings have been declining at an average annual rate of -12.6%, while the Banks industry saw earnings growing at 14.5% annually. Revenues have been growing at an average rate of 0.2% per year. National Bankshares's return on equity is 9.4%, and it has net margins of 30.1%.
Key information
-12.63%
Earnings growth rate
-12.66%
EPS growth rate
Banks Industry Growth
10.63%
Revenue growth rate
0.22%
Return on equity
9.38%
Net Margin
30.08%
Last Earnings Update
31 Mar 2026
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How National Bankshares makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
DB:9F2 Revenue, expenses and earnings (USD Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Mar 26
58
18
30
0
31 Dec 25
56
16
29
0
30 Sep 25
52
13
29
0
30 Jun 25
50
11
28
0
31 Mar 25
46
9
28
0
31 Dec 24
44
8
26
0
30 Sep 24
43
9
25
0
30 Jun 24
43
9
24
0
31 Mar 24
45
13
24
0
31 Dec 23
48
16
25
0
30 Sep 23
55
21
25
0
30 Jun 23
58
24
25
0
31 Mar 23
59
26
24
0
31 Dec 22
59
26
23
0
30 Sep 22
53
22
22
0
30 Jun 22
52
21
21
0
31 Mar 22
51
21
21
0
31 Dec 21
51
20
21
0
30 Sep 21
50
20
20
0
30 Jun 21
48
18
20
0
31 Mar 21
45
17
20
0
31 Dec 20
44
16
20
0
30 Sep 20
44
16
20
0
30 Jun 20
44
16
20
0
31 Mar 20
46
17
20
0
31 Dec 19
46
17
20
0
30 Sep 19
46
17
20
0
30 Jun 19
46
17
20
0
31 Mar 19
45
17
19
0
31 Dec 18
46
16
19
0
30 Sep 18
47
15
19
0
30 Jun 18
46
14
18
0
31 Mar 18
46
14
18
0
31 Dec 17
45
14
18
0
30 Sep 17
43
14
18
0
30 Jun 17
44
15
17
0
31 Mar 17
44
15
17
0
31 Dec 16
42
15
17
0
30 Sep 16
45
15
17
0
30 Jun 16
45
15
16
0
31 Mar 16
46
16
16
0
31 Dec 15
46
16
16
0
30 Sep 15
47
16
16
0
Quality Earnings: 9F2 has high quality earnings.
Growing Profit Margin: 9F2's current net profit margins (30.1%) are higher than last year (18.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 9F2's earnings have declined by 12.6% per year over the past 5 years.
Accelerating Growth: 9F2's earnings growth over the past year (102.3%) exceeds its 5-year average (-12.6% per year).
Earnings vs Industry: 9F2 earnings growth over the past year (102.3%) exceeded the Banks industry 1%.
Return on Equity
High ROE: 9F2's Return on Equity (9.4%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/07/13 00:01
End of Day Share Price
2026/07/13 00:00
Earnings
2026/03/31
Annual Earnings
2025/12/31
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
National Bankshares, Inc. is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.