National Bankshares, Inc. (NKSH) vs Virginia National Bankshares Corporation (VABK)

National Bankshares, Inc. and Virginia National Bankshares Corporation are both Banks Regional companies. National Bankshares, Inc. and Virginia National Bankshares Corporation are of similar size ($279.1M and $276.0M). Virginia National Bankshares Corporation trades at the lower P/E: 11.1× against 13.6×. National Bankshares, Inc. grew revenue faster over the last twelve months: 5.28% against 5.24%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs 23.2%) and the higher return on invested capital (14.1% vs 11.2%). Both pay a dividend; National Bankshares, Inc. yields more (3.52% vs 2.83%). Across the 19 metrics below, Virginia National Bankshares Corporation leads on 15 and National Bankshares, Inc. on 4.

Valuation

Metric NKSH VABK Banks Regional median
P/E 13.62 11.10 11.98
P/S 3.16 3.13 2.34
P/B 1.44 1.42 1.19
Price to free cash flow 15.00 11.98 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.34% 9.01% 8.23%
Free cash flow yield 6.67% 8.35% 9.08%

Profitability

Metric NKSH VABK Banks Regional median
Gross margin 69.15% 72.27% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.22% 28.18% 18.66%
Free cash flow margin 21.07% 26.16% 21.11%
Return on equity 11.25% 13.57% 10.65%
Return on assets 1.12% 1.52% 1.13%
Return on invested capital 11.23% 14.14% 8.35%

Growth

Metric NKSH VABK Banks Regional median
Revenue growth (TTM) 5.28% 5.24% 6.98%
EPS growth (last fiscal year) 100.81% 12.70% 18.88%
Revenue growth, 5-year CAGR 10.43% 19.78% 12.38%
Net income growth, 5-year CAGR (0.31%) 19.28% 9.71%

Health

Metric NKSH VABK Banks Regional median
Debt to equity 0.00 0.10 0.22
Current ratio 0.65 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NKSH VABK Banks Regional median
Dividend yield 3.52% 2.83% 2.57%
Payout ratio 0.48 0.32 0.30

Size

Metric NKSH VABK Banks Regional median
Market cap 275.97m 279.11m 913.33m

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