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Virginia National Bankshares
(NASDAQ:VABK)
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Rating:75Outperform
Price Target:
$50.00
â–²(11.43% Upside)
Action:Reiterated
Date:07/24/26
The score is primarily driven by solid financial performance (strong cash conversion and improved leverage), complemented by positive recent corporate developments and an attractive valuation (P/E ~12 with a ~3.24% dividend). Technical indicators are more neutral, indicating consolidation rather than strong momentum.
Positive Factors
Cash generation
Near-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.
Negative Factors
Sharp revenue decline
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Near-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.
Read all positive factors
Virginia National Bankshares (VABK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$248.32M
Dividend Yield3.14%
Average Volume (3M)15.91K
Price to Earnings (P/E)10.0
Beta (1Y)0.73
Revenue Growth5.91%
EPS Growth37.89%
CountryUS
Employees144
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
Virginia National Bankshares Business Overview & Revenue Model
Company Description
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 se...
How the Company Makes Money
Virginia National Bankshares primarily makes money through its bank subsidiary by earning interest and fees from banking activities. The largest revenue driver for a typical community bank model is net interest income: the bank earns interest on l...
Virginia National Bankshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
84
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 82.94M | 83.34M | 82.61M | 79.09M | 69.99M | 58.74M |
| Gross Profit | 57.98M | 57.47M | 53.66M | 57.34M | 66.70M | 54.44M |
| EBITDA | 26.90M | 28.07M | 25.16M | 28.04M | 33.63M | 16.32M |
| Net Income | 20.03M | 19.26M | 16.97M | 19.26M | 23.44M | 10.07M |
Balance Sheet | ||||||
| Total Assets | 1.65B | 1.65B | 1.62B | 1.65B | 1.62B | 1.97B |
| Cash, Cash Equivalents and Short-Term Investments | 22.62M | 60.06M | 280.64M | 448.99M | 578.28M | 660.19M |
| Total Debt | 29.40M | 29.75M | 29.13M | 79.92M | 9.59M | 10.47M |
| Total Liabilities | 1.46B | 1.47B | 1.46B | 1.49B | 1.49B | 1.81B |
| Stockholders Equity | 186.50M | 184.16M | 160.30M | 153.04M | 133.42M | 161.99M |
Cash Flow | ||||||
| Free Cash Flow | 26.17M | 20.75M | 14.56M | 12.73M | 22.14M | 11.77M |
| Operating Cash Flow | 26.49M | 21.33M | 15.29M | 13.90M | 22.68M | 13.06M |
| Investing Cash Flow | 36.03M | 31.80M | 15.75M | -19.77M | -167.20M | 262.19M |
| Financing Cash Flow | -15.22M | 381.00K | -42.33M | -5.88M | -324.19M | 198.89M |
Virginia National Bankshares Technical Analysis
Positive
44.87
Price Trends
44.65
Positive
42.68
Positive
41.11
Positive
Market Momentum
0.67
Negative
58.74
Neutral
59.40
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For VABK, the sentiment is Positive. The current price of 44.87 is below the 20-day moving average (MA) of 45.87, above the 50-day MA of 44.65, and above the 200-day MA of 41.11, indicating a bullish trend. The MACD of 0.67 indicates Negative momentum. The RSI at 58.74 is Neutral, neither overbought nor oversold. The STOCH value of 59.40 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for VABK.
Virginia National Bankshares Risk Analysis
Virginia National Bankshares disclosed 36 risk factors in its most recent earnings report. Virginia National Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Virginia National Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $248.32M | 10.00 | 13.36% | 3.21% | 5.91% | 37.89% | |
75 Outperform | $282.21M | 11.45 | 8.92% | 4.32% | -2.20% | 15.76% | |
74 Outperform | $283.78M | 11.48 | 14.00% | 2.14% | 10.02% | 67.92% | |
72 Outperform | $219.47M | 11.72 | 9.83% | 3.06% | 20.33% | 59.91% | |
72 Outperform | $232.35M | 8.00 | 12.59% | 3.19% | 7.20% | 31.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $287.05M | 13.23 | 11.51% | 2.49% | 7.42% | 141.95% |
* Financial Sector Average
VABK
Virginia National Bankshares
46.89
11.52
32.55%
LCNB
LCNB
20.01
6.44
47.45%
OPBK
OP Bancorp
15.63
3.51
28.98%
FXNC
First National
31.80
11.32
55.27%
FRAF
Franklin Financial Services
63.04
24.84
65.03%
EFSI
Eagle Financial Services
41.95
10.01
31.34%
Virginia National Bankshares Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Virginia National Bankshares Boosts Earnings and Declares Dividend
Positive
Jul 23, 2026
Virginia National Bankshares Corporation reported that for the quarter ended June 30, 2026, net income more than doubled to $9.0 million, or $1.65 per diluted share, compared with the same period in 2025, driven by lower funding costs, reduced non...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Virginia National Bankshares Shareholders Back Board, Pay, Auditor
Positive
Jun 29, 2026
Virginia National Bankshares Corporation reported that at its June 25, 2026 annual shareholders’ meeting, investors re-elected 11 directors to serve until the 2027 meeting, maintaining continuity in the board’s composition. Shareholder...
Business Operations and StrategyExecutive/Board Changes
Virginia National Bankshares Enhances CFO Continuity and Retention
Positive
May 15, 2026
On May 11, 2026, Virginia National Bankshares Corporation entered into a management continuity agreement with Executive Vice President and Chief Financial Officer Cathy W. Liles, ensuring her continued employment for two years if there is a change...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Virginia National Bankshares Exits Non-Core Insurance Investment
Positive
May 4, 2026
On May 4, 2026, Virginia National Bankshares Corporation reported that its indirect, wholly owned subsidiary, Fauquier Bank Services, Inc., had completed the sale of its interest in Bearing Insurance Group, LLC, a full service insurance agency, ef...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.