National Bankshares, Inc. (NKSH)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$40.61+1.27%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · NKSH
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 4.3% |
| Our one-year growth estimate | diamond | -7.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 11.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
NKSH — earnings miss
Dated 2026-10-22
Results of Operations and Financial Condition. On October 22, 2026, National Bankshares, Inc. issued a press release reporting its financial results for the period ended September 30, 2026. A copy of the press release is being furnished as an exhibit to this report and is incorporated by reference into this
Why it matters: Loans grew, and management reports low charge-offs and past-due levels. Higher credit costs could weaken that growth story.
Watch forLoans rise from the September 30 level. Charge-offs and past-due levels stay low, and the credit-loss provision does not rise sharply.
Also watch forLoans fall, or charge-offs, past-due loans, or credit-loss provision rise from Q3 levels.
Why it matters: Municipal deposits fell in Q3, which the bank links to their usual seasonal pattern. A Q4 rebound would support funding stability.
Supportive ifQ4 deposits rise from the September 30 level, in line with the bank’s stated seasonal pattern.
Worry ifQ4 deposits do not rise from the September 30 level, or fall further.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$76 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $248 loss on $10,000 · 2.5% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,187 loss on $10,000 · 11.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.