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VABK Stock Chart & Stats
$44.87
$0.93(2.07%)
At close: 4:00 PM EDT
$44.87
$0.93(2.07%)
Day’s Range― - ―
52-Week Range$36.60 - $48.76
Previous CloseN/A
Volume11.83K
Average Volume (3M)15.91K
Market Cap
$248.32M
Enterprise Value$235.46
Total Cash (Recent Filing)$22.62M
Total Debt (Recent Filing)$29.40M
Price to Earnings (P/E)10.0
Beta0.73
Next Earnings
Oct 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.14%
Share Statistics
EPS (TTM)3.71
Shares Outstanding5,422,513
10 Day Avg. Volume9,389
30 Day Avg. Volume15,908
Financial Highlights & Ratios
PEG Ratio0.84
Price to Book (P/B)1.17
Price to Sales (P/S)2.58
P/FCF Ratio10.35
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Cash GenerationNear-par cash conversion (FCF ≈ net income) signals durable internal funding for dividends, loan growth and capital needs. Strong FCF reduces reliance on external financing, improves resilience through rate cycles and supports reinvestment and balance-sheet strengthening over the medium term.
Conservative Balance SheetLow leverage and rising equity provide structural financial flexibility, lowering insolvency risk and enabling measured credit growth. A conservative debt position allows the bank to withstand credit shocks, maintain lending capacity and support dividend policy without aggressive external funding.
Improving Profitability And Asset QualitySustained margin expansion from lower funding costs and expense control, coupled with declining nonperforming assets and stable allowances, indicates operational discipline. This mix supports repeatable earnings generation and the ability to retain capital for regional lending and shareholder distributions.
Bears Say
Sharp Revenue DeclineA near-50% TTM revenue drop materially weakens the earnings base and threatens the sustainability of current margins. If organic revenues (loan interest, fees) remain suppressed, the bank may struggle to grow core earnings, constraining capital accumulation and long-term dividend coverage.
One-time Gain RelianceA meaningful portion of recent profit improvement stems from a non-recurring disposal gain. Reliance on one-time items masks underlying organic performance; without repeatable gains, earnings and cash flow may revert lower, making payouts and reinvestment less secure over the medium term.
Limited Scale And Regional ConcentrationSmall, localized franchise limits diversification across geographies and product lines, constraining revenue drivers and economies of scale. This structural concentration leaves the bank more exposed to local economic downturns and competitive pressures from larger regional peers over multiple quarters.
Virginia National Bankshares News
VABK FAQ
What was Virginia National Bankshares Corporation’s price range in the past 12 months?
Virginia National Bankshares Corporation lowest stock price was $36.60 and its highest was $48.76 in the past 12 months.
What is Virginia National Bankshares Corporation’s market cap?
Virginia National Bankshares Corporation’s market cap is $248.32M.
When is Virginia National Bankshares Corporation’s upcoming earnings report date?
Virginia National Bankshares Corporation’s upcoming earnings report date is Oct 22, 2026 which is in 80 days.
How were Virginia National Bankshares Corporation’s earnings last quarter?
Virginia National Bankshares Corporation released its earnings results on Jul 23, 2026. The company reported $1.651 earnings per share for the quarter, beating the consensus estimate of N/A by $1.651.
Is Virginia National Bankshares Corporation overvalued?
According to Wall Street analysts Virginia National Bankshares Corporation’s price is currently Overvalued.
Does Virginia National Bankshares Corporation pay dividends?
Virginia National Bankshares Corporation pays a Quarterly dividend of $0.36 which represents an annual dividend yield of 3.14%. See more information on Virginia National Bankshares Corporation dividends here
What is Virginia National Bankshares Corporation’s EPS estimate?
Virginia National Bankshares Corporation’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Virginia National Bankshares Corporation have?
Virginia National Bankshares Corporation has 5,422,513 shares outstanding.
What happened to Virginia National Bankshares Corporation’s price movement after its last earnings report?
Virginia National Bankshares Corporation reported an EPS of $1.651 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.631%.
Which hedge fund is a major shareholder of Virginia National Bankshares Corporation?
Currently, no hedge funds are holding shares in VABK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Virginia National Bankshares Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
-2.78%
12-Months-Change
Fundamentals
Return on Equity
3.14%
Trailing 12-Months
Asset Growth
0.20%
Trailing 12-Months
Company Description
Virginia National Bankshares Corporation
Virginia National Bankshares Corporation operates as the parent entity for Virginia National Bank, delivering a comprehensive suite of commercial banking solutions. Its operations are structured into four distinct divisions: the primary banking segment, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. The institution provides a diverse range of deposit products, including checking accounts, demand deposits, NOW accounts, money market savings, time deposits, certificates of deposit (CDs), and individual retirement accounts (IRAs), among other related savings options. Furthermore, it extends various lending services, such as financing for commercial and industrial ventures, real estate loans for construction and land development, commercial property loans, mortgages for 1-4 family homes, and consumer credit offerings like student loans, revolving lines of credit, and installment loans. Ancillary services include access to automated teller machines (ATMs), online banking platforms, treasury management solutions, cash handling services, and merchant and debit card processing. The company also delivers wealth management, investment advisory, brokerage, insurance, and consulting services. Its specialized offerings extend to investment management, acting as a corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custodial services. Its clientele encompasses private individuals, businesses, and non-profit organizations. As of December 31, 2021, the corporation maintained a network of sixteen full-service banking branches situated in the cities of Charlottesville, Manassas, Richmond, and Winchester, alongside locations in the counties of Albemarle, Fauquier, and Prince William. Established in 1998, Virginia National Bankshares Corporation's main office is located in Charlottesville, Virginia.
Technical Analysis
LCNB
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OP Bancorp
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First National
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Franklin Financial Services
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Eagle Financial Services
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Ownership Overview
12.14% Insiders
9.84% Mutual Funds
4.04% Other Institutional Investors
64.37% Public Companies and
Individual Investors