National Bankshares, Inc. — Earnings Quality Grade A
NKSH · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 43 days, change -9 days YoY
AR growth 1.1% vs revenue growth 22.5%
Revenue 22.5%, CFFO 89.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -15.9% vs revenue 22.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.13. Profits backed by cash
FCF $0.0B, FCF/NI = 0.96
Accruals ratio = -0.1%. Low accruals
Insufficient data
Balance Sheet Health
Goodwill+Intangibles $0.0B = 7% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
National Bankshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25