National Bankshares Inc (NKSH) — Defensive Interval Ratio
National Bankshares Inc (NKSH) has a Defensive Interval Ratio of 148 days as of June 2026. Defensive assets of $659.69 Million (cash $-, short-term investments $652.66 Million, receivables $7.03 Million) cover 148 days of daily cash needs of $4.46 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
National Bankshares Inc Defensive Interval Ratio (1995–2025)
This chart shows how National Bankshares Inc's Defensive Interval Ratio has evolved across 31 annual periods from 1995 to 2025. As of June 2026, the ratio stands at 148 days, meaning defensive assets of $659.69 Million can fund 148 days of operations without new revenue. For the complete balance sheet picture, see balance sheet size of National Bankshares Inc.
Annual Defensive Interval Ratio for National Bankshares Inc (1995–2025)
The table below presents the year-by-year Defensive Interval Ratio for National Bankshares Inc from 1995 to 2025, covering 31 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See how liquid is National Bankshares Inc's working capital to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 7 days | $30.02 Million | $4.46 Million/day | $- | $23.48 Million | ▼ -2 days |
| 2024 | 9 days | $40.15 Million | $4.51 Million/day | $- | $33.68 Million | ▼ -143 days |
| 2023 | 152 days | $624.91 Million | $4.12 Million/day | $- | $618.60 Million | ▼ -5 days |
| 2022 | 157 days | $662.85 Million | $4.23 Million/day | $- | $656.85 Million | ▼ -12 days |
| 2021 | 169 days | $691.18 Million | $4.09 Million/day | $- | $686.08 Million | ▲ +14 days |
| 2020 | 155 days | $551.77 Million | $3.55 Million/day | $- | $546.74 Million | ▲ +12 days |
| 2019 | 143 days | $439.55 Million | $3.07 Million/day | $- | $435.26 Million | ▼ -6 days |
| 2018 | 149 days | $430.17 Million | $2.88 Million/day | $- | $425.01 Million | ▲ +33 days |
| 2017 | 116 days | $336.68 Million | $2.90 Million/day | $- | $331.39 Million | ▲ +8 days |
| 2016 | 108 days | $309.54 Million | $2.86 Million/day | $- | $304.28 Million | ▲ +22 days |
| 2015 | 87 days | $241.90 Million | $2.79 Million/day | $- | $236.13 Million | ▲ +2 days |
| 2014 | 85 days | $228.59 Million | $2.69 Million/day | $- | $222.84 Million | ▲ +14 days |
| 2013 | 71 days | $187.66 Million | $2.63 Million/day | $- | $181.71 Million | ▼ -5 days |
| 2012 | 76 days | $197.75 Million | $2.59 Million/day | $- | $191.50 Million | ▲ +4 days |
| 2011 | 72 days | $181.22 Million | $2.52 Million/day | $- | $174.92 Million | ▼ -7 days |
| 2010 | 79 days | $190.92 Million | $2.42 Million/day | $- | $184.91 Million | ▲ +4 days |
| 2009 | 75 days | $174.29 Million | $2.34 Million/day | $- | $168.04 Million | ▲ +6 days |
| 2008 | 68 days | $152.99 Million | $2.24 Million/day | $- | $147.23 Million | ▼ -9 days |
| 2007 | 77 days | $164.31 Million | $2.13 Million/day | $- | $158.59 Million | ▲ +65 days |
| 2006 | 12 days | $25.30 Million | $2.10 Million/day | $- | $19.62 Million | ▲ +5 days |
| 2005 | 8 days | $15.42 Million | $2.04 Million/day | $- | $10.28 Million | ▼ -7 days |
| 2004 | 14 days | $27.33 Million | $1.94 Million/day | $- | $22.46 Million | ▼ -10 days |
| 2003 | 24 days | $40.83 Million | $1.71 Million/day | $- | $36.22 Million | ▲ +9 days |
| 2002 | 15 days | $24.83 Million | $1.67 Million/day | $- | $20.54 Million | ▲ +1 days |
| 2001 | 14 days | $21.51 Million | $1.58 Million/day | $- | $16.59 Million | ▼ -19 days |
| 2000 | 33 days | $47.72 Million | $1.46 Million/day | $- | $42.67 Million | ▲ +29 days |
| 1999 | 3 days | $4.00 Million | $1.15 Million/day | $- | $- | ▼ 0 days |
| 1998 | 4 days | $3.80 Million | $1.05 Million/day | $- | $- | ▼ 0 days |
| 1997 | 4 days | $3.44 Million | $944.84K/day | $- | $- | ▼ 0 days |
| 1996 | 4 days | $3.51 Million | $916.67K/day | $- | $- | ▲ +0 days |
| 1995 | 3 days | $1.67 Million | $492.25K/day | $- | $- | — |