Filing Flows

Filing Flows › Companies › National Bankshares › Cash flow

National Bankshares cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$3.3M in Q2 2026 · $18.4M over twelve months

Operating cash flow$3.5M
Capital spending−$190K
Free cash flow+$3.3M
Cash / net income0.7×

Analysis

In Q2 2026, National Bankshares generated $3.5M of operating cash flow and spent $190K on capital projects, leaving free cash flow of $3.3M. That is $1.8M more than in Q2 2025 ($1.5M).

Over the twelve months to Jun 30, 2026, operating cash flow was $20.1M; the largest uses were other investing ($48.7M), dividends ($9.7M), capital spending ($1.7M); besides operations, cash came from other financing ($1.7M); the cash balance fell by $38.3M.

Operating cash flow was $3.5M against net income of $5.0M — 0.7× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$1.4M, other liabilities −$643K, depreciation & amortization +$404K.

Free cash flow

National Bankshares: free cash flow by quarterNational Bankshares: free cash flow by quarter$2.2MQ3 2024$4.5MQ4 2024$1.6MQ1 2025$1.5MQ2 2025$5.3MQ3 2025$6.7MQ4 2025$3.1MQ1 2026$3.3MQ2 2026
Operating cash flow less capital spending.
National Bankshares: operating cash flow against capital spendingNational Bankshares: operating cash flow against capital spendingOperating cash flowCapital spending$3.1M$971KQ3 2024$5.4M$954KQ4 2024$2.6M$963KQ1 2025$2.1M$543KQ2 2025$6.1M$800KQ3 2025$7.1M$432KQ4 2025$3.3M$229KQ1 2026$3.5M$190KQ2 2026
Latest (Q2 2026): Operating cash flow $3.5M, Capital spending $190K.

Capital allocation, year by year

National Bankshares: where the cash came from (up) and went (down), by fiscal yearNational Bankshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $22.9MFY2021: Capital spending −$323KFY2021: Buybacks −$13.4MFY2021: Dividends −$8.8M$22.9MFY2021FY2022: Operating cash flow $29.5MFY2022: Asset sales $9KFY2022: Capital spending −$1.3MFY2022: Buybacks −$6.3MFY2022: Dividends −$8.9M$29.5MFY2022FY2023: Operating cash flow $15.5MFY2023: Capital spending −$1.5MFY2023: Dividends −$14.8M$15.5MFY2023FY2024: Operating cash flow $9.4MFY2024: Asset sales $46KFY2024: Capital spending −$3.3MFY2024: Dividends −$9.3M$9.5MFY2024FY2025: Operating cash flow $17.9MFY2025: Asset sales $2KFY2025: Capital spending −$2.7MFY2025: Dividends −$9.6M$17.9MFY2025
Over these 5 years operating cash flow totalled $95.2M; the largest uses were dividends ($51.4M) and buybacks ($19.7M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$54.6M
Debtnone
Net cash$54.6M

National Bankshares funds itself: free cash flow was $18.4M over the last twelve months, with $54.6M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

National Bankshares: sources (+) and uses (−) of cash, Q2 2026National Bankshares: sources (+) and uses (−) of cash, Q2 2026Cash drawn (+) / kept (−)$7.6MOther investing−$5.8MOther financing−$5.1MOperating cash flow$3.5MCapital spending−$190K
National Bankshares: sources (+) and uses (−) of cash, TTM to Q2 2026National Bankshares: sources (+) and uses (−) of cash, TTM to Q2 2026Other investing−$48.7MCash drawn (+) / kept (−)$38.3MOperating cash flow$20.1MDividends−$9.7MOther financing$1.7MCapital spending−$1.7M

From profit to cash

National Bankshares: net income to operating cash flow, Q2 2026National Bankshares: net income to operating cash flow, Q2 2026Net income$5.0MDepreciation & amortization$404KStock-based pay$63KPrepaid and other assets−$1.4MOther liabilities−$643KOperating cash flow$3.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsCash drawn (+) / kept (−)Free cash flow
Q2 2026$3.5M−$190K—$7.6M$3.3M
Q1 2026$3.3M−$229K—−$2.9M$3.1M
Q4 2025$7.1M−$432K−$5.0M−$16.9M$6.7M
Q3 2025$6.1M−$800K—$50.5M$5.3M
Q2 2025$2.1M−$543K—$29.7M$1.5M
Q1 2025$2.6M−$963K—−$14.4M$1.6M
Q4 2024$5.4M−$954K−$5.0M−$58.3M$4.5M
Q3 2024$3.1M−$971K−$1K$49.1M$2.2M

National Bankshares: income statement and cash flow

National Bankshares, Q2 2026: revenue $15.7M (+18% year over year), operating margin 38.7%. The chart follows the revenue to costs, profit and cash.

National Bankshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.