National Bankshares, Inc. carries no debt; cash flow comfortably covers obligations.

National Bankshares, Inc.'s free cash flow has increased 145.10% from $6.18M last year to $15.15M, signaling increasing performance

National Bankshares, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

National Bankshares, Inc. has insufficient data to evaluate this check.

National Bankshares, Inc. has a net cash position, so leverage is healthy.

National Bankshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

National Bankshares, Inc.'s profit margin has increased (191.93%) in the last year from 9.64% to 28.14%, signaling increasing performance

National Bankshares, Inc.'s short-term liabilities of $1.63B exceed its short-term assets of $89.27M, signaling financial risk

National Bankshares, Inc.'s return on assets of 1.11% is lower than the 5.00% threshold, indicating inefficient asset utilization

National Bankshares, Inc.'s return on equity of 10.92%, is lower than 15.00%, indicating bad performance

National Bankshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

National Bankshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

National Bankshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

National Bankshares, Inc. has a free cash flow yield of 5.90%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

National Bankshares, Inc.'s yearly earnings has increased 107.61% since last year from $7.62M to $15.83M, signaling increasing performance

National Bankshares, Inc.'s yearly revenue has increased 7.88% since last year from $79.08M to $85.31M, signaling increasing performance

ROIC -1.11% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

National Bankshares, Inc.'s 3-year revenue CAGR of 10.92% is positive, indicating growing revenue over the past 3 years

National Bankshares, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

National Bankshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

National Bankshares, Inc. is overvalued relative to its fair value price of 35.17 based on Discounted Cash Flow model

National Bankshares, Inc. has an earnings yield of 7.91%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

National Bankshares, Inc. is overvalued relative to its fair value price of 22.07 based on EBITDA multiple model

National Bankshares, Inc. has an EV/EBITDA ratio of 8.44x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

National Bankshares, Inc. is undervalued relative to its fair value price of 74.44 based on Earnings Fair Value model

National Bankshares, Inc. has a PEG-ratio over 1 which is considered overvalued

National Bankshares, Inc. has a price-to-book ratio of 1.34x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

National Bankshares, Inc. has a price-to-sales ratio of 3.56x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue