National Bankshares Q4 net income up nearly 91% yr/yr

National Bankshares

22/01/2026 21:42

Overview

U.S. community bank's Q4 net income rose nearly 91% yr/yr

Higher loan yields and lower deposit costs improved net interest margin

Company expanded with new branches in Roanoke and Lynchburg

Outlook

National Bankshares aims to enhance customer experience with core systems conversion

Result Drivers

NET INTEREST MARGIN - Higher loan yields and lower deposit costs drove improvement in net interest margin, contributing to net income gains

CORE SYSTEMS CONVERSION - Implementation of core systems conversion enhanced customer experience and enabled new product offerings

BRANCH EXPANSION - New branches in Roanoke and Lynchburg opened to support expansion in dynamic markets

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Net Income
$5.88 mln


Analyst Coverage

The one available analyst rating on the shares is "strong buy"

The average consensus recommendation for the banks peer group is "buy."

Wall Street's median 12-month price target for National Bankshares Inc is $34.50, about 3.1% below its January 21 closing price of $35.61

The stock recently traded at 13 times the next 12-month earnings vs. a P/E of 11 three months ago

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)