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National Bankshares Inc. (NKSH) — RQD Stock Rating Cockpit

$40.95 +0.10% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

National Bankshares Inc. (NKSH) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $260.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NKSH)Realized 20D OHLCV Swing Band: ±6.5%

RSI-14 MOMENTUMNEUTRAL RANGE

3730 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE71% OF RANGE

L: $28$40.95H: $46

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on NKSH

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

8.6% ROIC with 42.0% gross margin and 6.86% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (68)

25/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like NKSH

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (NKSH Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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NKSH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.39%▲ ASCENDING CHANNEL

2026-10-30O $40.98H $41.25L $40.17C $40.95VOL 35.9K

RES: $46.28SUP: $39.49SMA50: $42.22SMA200: $38.37

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NKSH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NKSH Butterfly Map → + Track NKSH →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

9.3%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NKSH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NKSH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NKSH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NKSH)

Financials Rank #297 of 1096 ⚔️ RMBI vs NKSH Full Matrix →

1. Head-to-Head Financials Peer Comparison (NKSH vs. RMBI, OVBC, EFSI, VABK)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, National Bankshares Inc. (NKSH) ranks #297 by composite RQD confidence (66/100, grade C+) and #844 by equity capitalization ($260.9M). Within this direct 5-issuer industry benchmark cohort, VABK leads on earnings valuation at 14.4x trailing P/E, while VABK leads on capital efficiency and profitability with 10.5% ROIC and — gross margin. VABK currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with NKSH at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NKSH ACTIVE National Bankshares Inc.	C+	66/100	16.5x	—	8.6%	+0.10%	$260.9M	Benchmark Subject
RMBI Richmond Mutual Bancorporation Inc.	C+	67/100	23.0x	—	7.9%	+0.44%	$265.8M	/rmbi-vs-nksh →
OVBC Ohio Valley Banc Corp.	C+	69/100	17.3x	—	9.2%	+2.23%	$269.4M	/ovbc-vs-nksh →
EFSI Eagle Financial Services Inc	C	63/100	30.3x	—	4.3%	+1.23%	$249.3M	/efsi-vs-nksh →
VABK Virginia National Bankshares Corporation	B-	70/100	14.4x	—	10.5%	+5.14%	$277.7M	/vabk-vs-nksh →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000796534

In its most recent audited fiscal period (FY2025, filed 2025-12-31), National Bankshares Inc. (NKSH) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $15.8M, operating cash flow of $17.9M, and free cash flow of $17.9M (+89.6% YoY). On the balance sheet, NKSH closed FY2025 with $1.82B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$15.8M	$17.9M	$17.9M	$1.82B	—
FY2024 (FY)	2024-12-31	$0	$7.6M	$9.4M	$9.4M	$1.81B	—
FY2023 (FY)	2023-12-31	$0	$15.7M	$15.5M	$15.5M	—	—

3. NKSH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NKSH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, National Bankshares Inc. (NASDAQ: NKSH) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $40.95 (+0.10% 1D, market cap $260.9M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, NKSH ranks #297 in composite RQD confidence.

How does NKSH compare to RMBI and OVBC in the Financials sector?

Within the Financials sector (Major Banks), NKSH carries a Roarable C+ (66/100 RQD), trailing P/E of 16.5x, gross margin of —, and ROIC of 8.6%. By comparison, RMBI (Richmond Mutual Bancorporation Inc.) holds a C+ grade (67/100 RQD, P/E 23.0x, ROIC 7.9%, cap $265.8M) and OVBC (Ohio Valley Banc Corp.) posts a C+ grade (69/100 RQD, P/E 17.3x, ROIC 9.2%, cap $269.4M). Among the 5-stock peer group, VABK leads on earnings multiple (14.4x) while VABK leads on capital efficiency (10.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NKSH?

Per NKSH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000796534), National Bankshares Inc. generated $0 in revenue, $15.8M in net income, and $17.9M in free cash flow against $1.82B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NKSH trading relative to its 50-day, 200-day, and 52-week technical levels?

NKSH last traded at $40.95 (+0.10% on volume of 24,907 shares), positioning the stock -3.01% below its 50-day simple moving average ($42.22) and +6.72% above its 200-day simple moving average ($38.37). Across its 52-week range of $28.35 to $45.99, NKSH sits at the 71.4% percentile with a 14-day RSI of 37.0 (NEUTRAL RANGE) and an implied next-earnings move of ±6.5% ($38.29 to $43.61).

NKSH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell NKSH stock right now?

National Bankshares Inc. (NKSH) currently earns a Roarable Rating of C+ (Hold — HOLD) with 66/100 RQD Confidence. Solid steady margins (9% return on capital), mixed timing at 17x P/E—hold if owned, no rush to chase.

What is NKSH's 12-month price target and RQD AI Jury consensus?

NKSH's 12-month base price target is $42.42 (range $33.09 to $50.06), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: NKSH RQD Cockpit NKSH 12M Forecast NKSH Earnings & Move NKSH Dividends & DRIP NKSH Insiders & 13F NKSH Whale Options NKSH Profit Sankey NKSH News & Why