National Bankshares Inc
NKSH Nasdaq National Commercial Banks 金融 FY2016–FY2025
最新收盘价 · 2026年10月23日
$40.48
11.0%
营收
利润表中报告的总销售额。
$8.2M
9.8%
对比上年
成本收入比
非利息支出占营收的比例。对银行而言越低越好。
445.4%
24.8 个百分点
净利润
扣除所有费用、利息和税项后的利润。
$15.8M
107.6%
股本回报率
净利润占平均股东权益的比例。
9.3%
4.1 个百分点
市值
最新收盘价 × 最新稀释股数，因此为近似值。
$258M
10月23日 收盘
市盈率
最新收盘价 ÷ 最近四个季度的稀释每股收益。
12.7x
基于每股收益 $3.19(近 12 个月)
National Bankshares Inc 的业务
暂无业务介绍。
- 法定名称
- NATIONAL BANKSHARES INC
- 财年结束日
- 2025年12月31日
- 最新年报
- 10-K · 2026年3月27日
- 登记号 · CIK
- 0001193125-26-128311
0000796534
营收与利润率
National Bankshares Inc 在 2025 财年 营收为 $8.2M，同比增长 9.8%。
FY16
营收 $5.4M
FY17
营收 $6.1M
FY18
营收 $6.3M
FY19
营收 $6.2M
FY20
营收 $5.7M
FY21
营收 $6.7M
FY22
营收 $7.0M
FY23
营收 $7.1M
FY24
营收 $7.4M
FY25
营收 $8.2M
Q3 '23
营收 $1.8M
Q4 '23
营收 $1.7M
Q1 '24
营收 $1.9M
Q2 '24
营收 $1.8M
Q3 '24
营收 $1.9M
Q4 '24
营收 $1.8M
Q1 '25
营收 $2.1M
Q2 '25
营收 $1.9M
Q3 '25
营收 $2.1M
Q4 '25
营收 $2.0M
Q1 '26
营收 $2.2M
Q2 '26
营收 $2.2M
FY16
净利息收入占比 679.3%
成本收入比 431.2%
FY17
净利息收入占比 607.4%
成本收入比 396.3%
FY18
净利息收入占比 609.3%
成本收入比 435.3%
FY19
净利息收入占比 613.7%
成本收入比 418.5%
FY20
净利息收入占比 675.1%
成本收入比 441.6%
FY21
净利息收入占比 629.6%
成本收入比 392.0%
FY22
净利息收入占比 672.4%
成本收入比 385.4%
FY23
净利息收入占比 527.2%
成本收入比 413.3%
FY24
净利息收入占比 487.7%
成本收入比 470.2%
FY25
净利息收入占比 557.3%
成本收入比 445.4%
净利息收入占比
成本收入比
Q3 '23
净利息收入占比 470.8%
成本收入比 405.2%
Q4 '23
净利息收入占比 498.2%
成本收入比 385.6%
Q1 '24
净利息收入占比 433.3%
成本收入比 407.9%
Q2 '24
净利息收入占比 474.9%
成本收入比 554.3%
Q3 '24
净利息收入占比 503.1%
成本收入比 453.3%
Q4 '24
净利息收入占比 540.1%
成本收入比 467.0%
Q1 '25
净利息收入占比 480.8%
成本收入比 404.9%
Q2 '25
净利息收入占比 572.1%
成本收入比 550.9%
Q3 '25
净利息收入占比 561.8%
成本收入比 410.2%
Q4 '25
净利息收入占比 618.1%
成本收入比 423.9%
Q1 '26
净利息收入占比 571.7%
成本收入比 422.5%
Q2 '26
净利息收入占比 599.2%
成本收入比 427.1%
净利息收入占比
成本收入比
净利润与每股收益
从 2016 财年到 2025 财年，稀释每股收益年均增长 1.6%。 亏损期间以红色显示。
FY16
净利润 $14.9M
FY17
净利润 $14.1M
FY18
净利润 $16.2M
FY19
净利润 $17.5M
FY20
净利润 $16.1M
FY21
净利润 $20.4M
FY22
净利润 $25.9M
FY23
净利润 $15.7M
FY24
净利润 $7.6M
FY25
净利润 $15.8M
Q3 '23
净利润 $3.1M
Q4 '23
净利润 $4.2M
Q1 '24
净利润 $2.2M
Q2 '24
净利润 −$0.3M
Q3 '24
净利润 $2.7M
Q4 '24
净利润 $3.1M
Q1 '25
净利润 $3.2M
Q2 '25
净利润 $2.3M
Q3 '25
净利润 $4.4M
Q4 '25
净利润 $5.9M
Q1 '26
净利润 $5.0M
Q2 '26
净利润 $5.0M
FY16
稀释每股收益 $2.15
FY17
稀释每股收益 $2.03
FY18
稀释每股收益 $2.32
FY19
稀释每股收益 $2.65
FY20
稀释每股收益 $2.48
FY21
稀释每股收益 $3.28
FY22
稀释每股收益 $4.33
FY23
稀释每股收益 $2.66
FY24
稀释每股收益 $1.24
FY25
稀释每股收益 $2.49
Q3 '23
稀释每股收益 $0.52
Q4 '23
稀释每股收益 $0.71
Q1 '24
稀释每股收益 $0.37
Q2 '24
稀释每股收益 −$0.05
Q3 '24
稀释每股收益 $0.42
Q4 '24
稀释每股收益 $0.50
Q1 '25
稀释每股收益 $0.51
Q2 '25
稀释每股收益 $0.36
Q3 '25
稀释每股收益 $0.69
Q4 '25
稀释每股收益 $0.93
Q1 '26
稀释每股收益 $0.78
Q2 '26
稀释每股收益 $0.79
回报率与效率
对银行而言，股本回报率和成本收入比(成本占收入的比例)最能说明经营状况。
FY16
ROE 8.4%
ROTE 9.0%
成本收入比 431.2%
FY17
ROE 7.8%
ROTE 8.1%
成本收入比 396.3%
FY18
ROE 8.6%
ROTE 9.0%
成本收入比 435.3%
FY19
ROE 9.3%
ROTE 10.2%
成本收入比 418.5%
FY20
ROE 8.4%
ROTE 8.3%
成本收入比 441.6%
FY21
ROE 10.4%
ROTE 11.0%
成本收入比 392.0%
FY22
ROE 16.5%
ROTE 22.2%
成本收入比 385.4%
FY23
ROE 11.9%
ROTE 11.7%
成本收入比 413.3%
FY24
ROE 5.1%
ROTE 5.3%
成本收入比 470.2%
FY25
ROE 9.3%
ROTE 9.2%
成本收入比 445.4%
ROE
ROTE
成本收入比
股息、回购与股数
National Bankshares Inc 在 2025 财年 向股东返还 $9.6M，占自由现金流的 63%。 稀释股数增加 3.2%。
FY16
股息 $8.1M
回购 —
FY17
股息 $8.1M
回购 —
FY18
股息 $8.4M
回购 —
FY19
股息 $9.0M
回购 $18.5M
FY20
股息 $9.0M
回购 $1.7M
FY21
股息 $8.8M
回购 $13.4M
FY22
股息 $9.0M
回购 $6.3M
FY23
股息 $14.8M
回购 $0.0M
FY24
股息 $9.3M
回购 —
FY25
股息 $9.6M
回购 —
股息
回购
Q3 '23
股息 $0.0M
回购 $0.0M
Q4 '23
股息 $4.6M
回购 $0.0M
Q1 '24
股息 $0.0M
回购 —
Q2 '24
股息 $4.3M
回购 —
Q3 '24
股息 $0.0M
回购 —
Q4 '24
股息 $5.0M
回购 —
Q1 '25
股息 —
回购 —
Q2 '25
股息 —
回购 —
Q3 '25
股息 $0.0M
回购 —
Q4 '25
股息 $5.0M
回购 —
Q1 '26
股息 —
回购 —
Q2 '26
股息 —
回购 —
股息
回购
FY16
稀释股数 0.01B
FY17
稀释股数 0.01B
FY18
稀释股数 —
FY19
稀释股数 —
FY20
稀释股数 —
FY21
稀释股数 —
FY22
稀释股数 0.01B
FY23
稀释股数 0.01B
FY24
稀释股数 0.01B
FY25
稀释股数 0.01B
资产负债表
各财年末的贷款、存款与资本。
FY16
贷款 $639M
存款 $1.0B
FY17
贷款 $660M
存款 $1.1B
FY18
贷款 $702M
存款 $1.1B
FY19
贷款 $727M
存款 $1.1B
FY20
贷款 $760M
存款 $1.3B
FY21
贷款 $796M
存款 $1.5B
FY22
贷款 $845M
存款 $1.5B
FY23
贷款 —
存款 $1.5B
FY24
贷款 —
存款 $1.6B
FY25
贷款 —
存款 $1.6B
贷款
存款
| 财年末 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| 贷款净额 | $796M | $845M | — | — | — |
| 存款 | $1.5B | $1.5B | $1.5B | $1.6B | $1.6B |
| 贷款 / 存款 | 53.2% | 54.7% | — | — | — |
| 总资产 | $1.7B | $1.7B | $1.7B | $1.8B | $1.8B |
| 股东权益 | $192M | $123M | $141M | $156M | $185M |
| 商誉 | $5.8M | $5.8M | $5.8M | $10.7M | $10.7M |
| 无形资产 | — | — | $0.0M | $1.9M | $1.5M |
| 拨备 / 贷款 | −0.1% | 0.1% | — | — | — |
内部人交易
高管、董事和持股超过 10% 的股东在公开市场的买卖，数据来自 Form 4 申报。“计划”表示依据事先制定的 Rule 10b5-1 计划进行的交易。
买入(12 个月)
$0.0M
0 名内部人士
卖出(12 个月)
$0.0M
0 名内部人士
卖出中按计划执行的比例
—
$0.0M
过去 12 个月没有公开市场的内部人交易。
10 年数据
金额单位为 USD。将鼠标悬停在指标名称上可查看定义。
| 财年 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| 利润表 | ||||||||||
| 营收 | $5.4M | $6.1M | $6.3M | $6.2M | $5.7M | $6.7M | $7.0M | $7.1M | $7.4M | $8.2M |
| 净利息收入 | $36.8M | $37.1M | $38.2M | $37.8M | $38.2M | $41.9M | $47.0M | $37.3M | $36.3M | $45.6M |
| 非利息收入 | $7.1M | $7.6M | $7.7M | $8.8M | $7.9M | $8.4M | $12.4M | $9.4M | $9.0M | $10.0M |
| 非利息支出 | $23.3M | $24.2M | $27.3M | $25.8M | $25.0M | $26.1M | $27.0M | $29.2M | $35.0M | $36.4M |
| 信用损失拨备 | $1.7M | $0.2M | −$0.1M | $0.1M | $2.0M | −$0.4M | $0.7M | −$1.3M | $1.2M | −$0.0M |
| 利息支出 | — | $4.1M | $5.0M | $7.4M | $5.8M | — | $3.1M | $21.6M | — | — |
| 税前利润 | $18.9M | $20.4M | $18.7M | $20.7M | $19.2M | $24.6M | $31.8M | $18.7M | $9.1M | $19.2M |
| 所得税 | $4.0M | $6.3M | $2.6M | $3.2M | $3.1M | $4.3M | $5.8M | $3.0M | $1.5M | $3.3M |
| 净利润 | $14.9M | $14.1M | $16.2M | $17.5M | $16.1M | $20.4M | $25.9M | $15.7M | $7.6M | $15.8M |
| 归属普通股股东的净利润 | — | — | — | — | — | — | $25.9M | $15.7M | $7.6M | $15.8M |
| 稀释每股收益 | $2.15 | $2.03 | $2.32 | $2.65 | $2.48 | $3.28 | $4.33 | $2.66 | $1.24 | $2.49 |
| 稀释股数 | 0.01B | 0.01B | — | — | — | — | 0.01B | 0.01B | 0.01B | 0.01B |
| 现金流 | ||||||||||
| 经营现金流 | $17.5M | $11.0M | $19.8M | $18.8M | $13.8M | $22.9M | $29.5M | $15.5M | $9.4M | $17.9M |
| 资本支出 | $0.6M | $0.3M | $1.2M | $1.0M | $1.8M | $0.3M | $1.3M | $1.5M | $3.3M | $2.7M |
| 自由现金流 | $16.9M | $10.7M | $18.6M | $17.8M | $12.0M | $22.6M | $28.2M | $14.0M | $6.2M | $15.2M |
| 折旧与摊销 | $0.8M | $0.8M | $0.8M | $0.7M | $0.7M | $0.6M | $0.6M | $0.8M | $0.9M | $1.1M |
| 股权激励 | — | — | — | — | — | — | $0.0M | $0.0M | $0.1M | $0.2M |
| 股票回购 | — | — | — | $18.5M | $1.7M | $13.4M | $6.3M | $0.0M | — | — |
| 已付股息 | $8.1M | $8.1M | $8.4M | $9.0M | $9.0M | $8.8M | $9.0M | $14.8M | $9.3M | $9.6M |
| 股息与回购 | $8.1M | $8.1M | $8.4M | $27.6M | $10.7M | $22.2M | $15.3M | $14.8M | $9.3M | $9.6M |
| 资产负债表 | ||||||||||
| 现金及短期投资 | — | — | — | — | — | — | — | $86.6M | $108M | $59.3M |
| 贷款净额 | $639M | $660M | $702M | $727M | $760M | $796M | $845M | — | — | — |
| 存款 | $1.0B | $1.1B | $1.1B | $1.1B | $1.3B | $1.5B | $1.5B | $1.5B | $1.6B | $1.6B |
| 固定资产净额 | $8.9M | $8.2M | $8.6M | $8.9M | $10.0M | $9.7M | $10.4M | $11.1M | $16.8M | $18.5M |
| 商誉 | $5.8M | $5.8M | $5.8M | $5.8M | $5.8M | $5.8M | $5.8M | $5.8M | $10.7M | $10.7M |
| 无形资产 | $6.0M | $5.9M | $5.8M | $5.8M | — | — | — | $0.0M | $1.9M | $1.5M |
| 总资产 | $1.2B | $1.3B | $1.3B | $1.3B | $1.5B | $1.7B | $1.7B | $1.7B | $1.8B | $1.8B |
| 总负债 | $1.1B | $1.1B | $1.1B | $1.1B | $1.3B | $1.5B | $1.6B | $1.5B | $1.7B | $1.6B |
| 优先股 | — | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | — | — |
| 股东权益 | $178M | $185M | $190M | $184M | $201M | $192M | $123M | $141M | $156M | $185M |
| 利润率 | ||||||||||
| 净利率 | 276.1% | 230.5% | 257.8% | 283.8% | 284.3% | 306.4% | 370.8% | 221.9% | 102.4% | 193.6% |
| 自由现金流利润率 | 312.3% | 175.5% | 296.9% | 289.2% | 211.7% | 339.1% | 403.8% | 198.4% | 83.0% | 185.3% |
| 净利息收入占营收比例 | 679.3% | 607.4% | 609.3% | 613.7% | 675.1% | 629.6% | 672.4% | 527.2% | 487.7% | 557.3% |
| 成本收入比 | 431.2% | 396.3% | 435.3% | 418.5% | 441.6% | 392.0% | 385.4% | 413.3% | 470.2% | 445.4% |
| 回报率 | ||||||||||
| 股本回报率 | 8.4% | 7.8% | 8.6% | 9.3% | 8.4% | 10.4% | 16.5% | 11.9% | 5.1% | 9.3% |
| 资产回报率 | 1.2% | 1.1% | 1.3% | 1.4% | 1.1% | 1.3% | 1.5% | 0.9% | 0.4% | 0.9% |
| 有形股本回报率 | 9.0% | 8.1% | 9.0% | 10.2% | 8.3% | 11.0% | 22.2% | 11.7% | 5.3% | 9.2% |
| 增长 | ||||||||||
| 营收增长 | — | 13.0% | 2.5% | −1.8% | −8.1% | 17.7% | 5.1% | 1.1% | 5.3% | 9.8% |
| 净利润增长 | — | −5.7% | 14.6% | 8.1% | −8.0% | 26.8% | 27.2% | −39.5% | −51.4% | 107.6% |
| 每股收益增长 | — | −5.6% | 14.3% | 14.2% | −6.4% | 32.3% | 32.0% | −38.6% | −53.4% | 100.8% |
| 自由现金流增长 | — | −36.5% | 73.4% | −4.3% | −32.8% | 88.5% | 25.2% | −50.3% | −55.9% | 145.1% |
| 股数变化 | — | 0.0% | — | — | — | — | — | −1.7% | 4.6% | 3.2% |
| 财务健康 | ||||||||||
| 贷款 / 存款 | 61.3% | 62.3% | 66.8% | 64.9% | 58.6% | 53.2% | 54.7% | — | — | — |
| 拨备 / 贷款 | 0.3% | 0.0% | −0.0% | 0.0% | 0.3% | −0.1% | 0.1% | — | — | — |
| 资本配置 | ||||||||||
| 资本支出 / 营收 | 11.7% | 4.3% | 19.0% | 16.8% | 32.3% | 4.9% | 18.0% | 21.1% | 43.7% | 33.5% |
| 股权激励 / 营收 | — | — | — | — | — | — | 0.0% | 0.6% | 1.7% | 2.4% |
| 股东回报 / 自由现金流 | 47.8% | 75.9% | 45.3% | 154.8% | 89.6% | 98.2% | 54.1% | 105.4% | 149.9% | 63.4% |
| 质量评分 | ||||||||||
| 应计比率 | −0.2% | 0.2% | −0.3% | −0.1% | 0.2% | −0.2% | −0.2% | 0.0% | −0.1% | −0.1% |
来源：SEC EDGAR XBRL 文件 (CIK 0000796534). 数据更新于 2026年10月24日。 第四季度数据为全年减去前九个月。 仅供参考，不构成投资建议。依赖任何数字前，请核对原始文件。