NATIONAL BANKSHARES INC (NKSH)
National Commercial Banks · Financial Services · $227M
Intrinsic Value (Consensus)
$58.76
Current Price
$35.67
Margin of Safety
+64.7%
64.7% Below Intrinsic Value
Value: $59
Price: $36
Valuation Model Estimates
Current Price: $35.67
DCF (Discounted Cash Flow)
$120.75
Graham Number
$40.33
Earnings Power Value
$24.17
Relative Value (P/E)
$49.80
Dividend Discount Model
$503.33
Consensus Value
$58.76
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
64
Profitability
15/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
Solid dividend yield (3.0%)
Key Financials
- EPS (TTM)
- $2.49
- EPS (Forward)
- $2.99
- Book Value
- $29.04
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 8.6%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 3.0%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance