Virginia National Bankshares (VABK) AI Stock Analysis

• Market Cap: $203.28M
• Dividend Yield: 3.72%
• Average Volume (3M): 4.63K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.74
• Revenue Growth: 4.93%
• EPS Growth: -12.19%
• Country: US
• Employees: 137
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 3.15
• Shares Outstanding: 5,391,979
• 10 Day Avg. Volume: 4,667
• 30 Day Avg. Volume: 4,632
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.70
• Price to Cash Flow (P/CF): 3.20
• P/FCF Ratio: 3.20
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Virginia National Bankshares has an overall stock score of 67.4, reflecting a moderate financial position with strengths in its balance sheet and valuation. The company's income and cash flow statements show areas that require improvement, particularly in profitability and cash flow consistency. Technical analysis indicates a mild upward trend, although some indicators suggest caution due to potential overbought conditions. The valuation is attractive, with a reasonable P/E ratio and a decent dividend yield, providing a balanced investment opportunity.

Virginia National Bankshares Business Overview & Revenue Model

Company Description

Virginia National Bankshares Corporation (VABK) is a financial holding company headquartered in Charlottesville, Virginia. It primarily operates through its subsidiary, Virginia National Bank, providing a range of banking and financial services to individuals and businesses. The bank's core offerings include personal and commercial banking services, wealth management, mortgage banking, and trust services. It serves its clients through a network of branches and ATMs located across central and northern Virginia.

How the Company Makes Money

Virginia National Bankshares makes money primarily through the interest income derived from its loan portfolio, which includes personal, commercial, and real estate loans. The company also earns revenue from fees associated with various banking services, such as account maintenance fees, transaction fees, and service charges. In addition, Virginia National Bank generates income from its wealth management and trust services, which include investment advisory fees and asset management fees. The bank's earnings are further supported by its participation in the mortgage banking sector, where it collects origination and servicing fees. Significant factors contributing to its earnings include effective asset-liability management and strategic partnerships that enhance product offerings and expand market reach.

Virginia National Bankshares Financial Statement Overview

Summary

Overall, Virginia National Bankshares demonstrates a moderate financial position. While the income statement reflects some challenges in revenue and profit growth, the balance sheet remains robust with low leverage and adequate equity. Cash flow management appears to be an area needing improvement, particularly in generating consistent free cash flow. The company should focus on enhancing profitability and cash flow generation to strengthen its financial standing.

Income Statement

Virginia National Bankshares has shown moderate performance in recent years. While the revenue growth rate has been inconsistent, with a decline in 2023, the company maintains a healthy gross profit margin. The net profit margin has decreased as well, suggesting pressure on profitability. However, the bank has demonstrated resilience with stable EBIT and EBITDA margins, which reflect effective cost management.

Balance Sheet

The balance sheet of Virginia National Bankshares is relatively strong, characterized by a low debt-to-equity ratio, indicating limited reliance on debt. The equity ratio shows a solid equity base compared to total assets. Return on Equity (ROE) has been fluctuating, but remains adequate, reflecting efficient use of shareholder equity. The stability in stockholders' equity over time is a positive indicator of financial health.

Cash Flow

The cash flow situation is mixed, with zero operating cash flow reported most recently, impacting the ability to cover net income. Free cash flow has been inconsistent, with recent years showing no reported free cash flow, which could suggest potential challenges in generating cash from core operations. The absence of growth in free cash flow indicates limited capacity for reinvestment or debt repayment.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
53.66M	56.88M	64.40M	55.45M	30.44M
	Gross Profit
53.66M	56.88M	64.40M	55.45M	30.44M
	EBIT
28.12M	23.27M	31.73M	11.92M	10.04M
	EBITDA
0.00	28.04M	33.63M	0.00	12.00M
	Net Income Common Stockholders
16.97M	19.26M	23.44M	10.07M	7.98M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
5.31M	28.39M	578.28M	660.19M	182.20M
	Total Assets
1.62B	1.65B	1.62B	1.97B	848.41M
	Total Debt
3.51M	76.46M	9.59M	10.47M	30.00M
	Net Debt
-1.80M	48.07M	-30.50M	-345.90M	21.88M
	Total Liabilities
1.46B	1.49B	1.49B	1.81B	765.81M
	Stockholders Equity
160.30M	153.04M	133.42M	161.93M	82.60M
Cash Flow		Free Cash Flow
0.00	12.73M	22.14M	11.77M	9.05M
	Operating Cash Flow
0.00	13.90M	22.68M	13.06M	9.25M
	Investing Cash Flow
0.00	-19.77M	-167.20M	262.19M	-129.95M
	Financing Cash Flow
0.00	-5.88M	-324.19M	198.89M	136.31M

Virginia National Bankshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 37.70
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For VABK, the sentiment is Negative. The current price of 37.7 is above the 20-day moving average (MA) of 35.99, above the 50-day MA of 35.99, and above the 200-day MA of 37.37, indicating a bearish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 53.45 is Neutral, neither overbought nor oversold. The STOCH value of 29.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for VABK.

Virginia National Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBSI	73 Outperform	$840.51M	9.49	11.16%	5.41%	15.33%	3.68%
OPOF	72 Outperform	$185.49M	19.36	8.61%	1.54%	6.90%	21.84%
CFFI	70 Outperform	$186.23M	9.56	8.95%	3.10%	10.65%	-12.80%
VABK	67 Neutral	$203.28M	11.98	10.83%	3.72%	4.93%	-12.19%
Sector *	64 Neutral	$13.44B	9.41	9.19%	4.92%	16.30%	-8.66%
NKSH	56 Neutral	$170.85M	21.73	5.13%	6.11%	16.02%	-54.07%
FFNW	55 Neutral	$208.97M	195.38	0.66%	2.32%	2.28%	-83.17%