Virginia National Bankshares (VABK) AI Stock Analysis

• Market Cap: $222.26M
• Dividend Yield: 3.26%
• Average Volume (3M): 10.17K
• Price to Earnings (P/E): 12.8
• Beta (1Y): 0.70
• Revenue Growth: 2.41%
• EPS Growth: 14.29%
• Country: US
• Employees: 239
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.78
• Shares Outstanding: 5,391,979
• 10 Day Avg. Volume: 19,674
• 30 Day Avg. Volume: 10,169
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.20
• Enterprise Value/Revenue: 3.20
• Enterprise Value/Gross Profit: 4.75
• Enterprise Value/Ebitda: 10.02
• 1Y Price Target: $46.00
• Price Target Upside: 11.60% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 79 Outperform
• Price Target: $46.00 ▲(11.60% Upside)

Virginia National Bankshares has a strong overall performance, driven by robust financial metrics and positive corporate events. The technical analysis supports a bullish outlook, while the valuation remains attractive. The company's strategic initiatives and shareholder-focused actions further enhance its investment appeal.

Virginia National Bankshares Business Overview & Revenue Model

Company Description

Virginia National Bankshares (VABK) is a financial holding company based in Virginia, primarily engaged in the provision of banking services through its wholly-owned subsidiary, Virginia National Bank. The company operates in the banking sector, offering a range of financial products and services that include personal and business banking, loans, mortgages, and wealth management services. VABK is committed to serving the local community by providing tailored financial solutions to individuals and businesses.

How the Company Makes Money

Virginia National Bankshares generates revenue primarily through the interest income earned on loans and investments, which constitutes a significant portion of its earnings. The company offers various types of loans, including commercial, residential, and consumer loans, and earns interest from customers who borrow these funds. Additionally, VABK earns non-interest income from fees associated with deposit accounts, wealth management services, and other financial services. The bank's ability to attract and retain deposits allows it to fund its lending activities at competitive rates. Partnerships with local businesses and community organizations also enhance its presence and support its revenue growth by fostering customer loyalty and expanding its client base.

Virginia National Bankshares Financial Statement Overview

Summary

Virginia National Bankshares demonstrates strong financial health characterized by solid revenue growth, high profitability margins, and efficient leverage management. The company maintains a stable balance sheet and generates consistent cash flows, positioning it well within the regional banking industry. While there are areas for improvement, particularly in asset utilization and cash flow optimization, the overall financial performance is commendable, indicating a promising outlook.

Income Statement

Virginia National Bankshares shows strong income statement metrics with consistent revenue growth and high profitability. The TTM (Trailing-Twelve-Months) gross profit margin is robust at 66.39%, and net profit margin stands at 21.45%, indicating efficient operations and cost management. Revenue has shown a healthy growth rate of approximately 5% annually, accompanied by solid EBIT and EBITDA margins of 26.47% and 31.57% respectively. The company's financial performance exhibits a stable and growing trajectory in the banking sector.

Balance Sheet

The balance sheet of Virginia National Bankshares reflects a stable financial position with a reasonable debt-to-equity ratio of 0.17, suggesting conservative leverage. The return on equity (ROE) is commendable at 10.68%, indicating effective utilization of shareholder funds. The equity ratio is relatively low at 10.21%, which could imply potential reliance on liabilities. While the company maintains a strong equity base, there is room for improvement in asset management to enhance financial stability.

Cash Flow

Cash flow metrics are favorable, with consistent free cash flow generation and an operating cash flow to net income ratio of 0.80, showing effective cash conversion. The free cash flow growth rate is stable, reflecting positive cash generation capabilities. However, the free cash flow to net income ratio is slightly lower at 0.74, suggesting room for optimizing cash flow management. Overall, the company's cash flow position appears solid, supporting ongoing operations and potential growth initiatives.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	83.11M	82.61M	79.09M	69.99M	58.74M	33.80M
Gross Profit	56.01M	53.66M	57.34M	66.70M	54.44M	28.82M
EBITDA	26.54M	25.16M	28.04M	33.63M	16.32M	12.00M
Net Income	17.89M	16.97M	19.26M	23.44M	10.07M	7.98M
Balance Sheet
Total Assets	1.63B	1.62B	1.65B	1.62B	1.97B	848.41M
Cash, Cash Equivalents and Short-Term Investments	6.00M	29.14M	448.99M	578.28M	660.19M	182.20M
Total Debt	71.42M	29.13M	79.92M	9.59M	10.47M	33.59M
Total Liabilities	1.46B	1.46B	1.49B	1.49B	1.81B	765.81M
Stockholders Equity	170.77M	160.30M	153.04M	133.42M	161.93M	82.60M
Cash Flow
Free Cash Flow	26.78M	14.56M	12.73M	22.14M	11.77M	9.05M
Operating Cash Flow	27.37M	15.29M	13.90M	22.68M	13.06M	9.25M
Investing Cash Flow	-43.26M	15.75M	-19.77M	-167.20M	262.19M	-129.95M
Financing Cash Flow	37.12M	-42.33M	-5.88M	-324.19M	198.89M	136.31M

Virginia National Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 41.22
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 41.22 is above the 20-day moving average (MA) of 37.97, above the 50-day MA of 37.43, and above the 200-day MA of 36.91, indicating a bullish trend. The MACD of 0.95 indicates Negative momentum. The RSI at 64.07 is Neutral, neither overbought nor oversold. The STOCH value of 71.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for VABK.

Virginia National Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
VABK	79 Outperform	$222.26M	12.80	11.01%	3.26%	2.41%	14.29%
HWBK	76 Outperform	$219.96M	11.04	14.00%	2.42%	2.03%	390.32%
PVBC	71 Outperform	$227.81M	20.43	4.59%	―	-3.01%	48.26%
OPOF	69 Neutral	$212.51M	24.49	7.59%	1.34%	1.57%	21.30%
Sector *	68 Neutral	$17.60B	11.93	10.30%	3.77%	9.67%	0.38%
BPRN	68 Neutral	$222.88M	36.97	2.70%	3.63%	16.39%	-72.87%
BLFY	64 Neutral	$199.48M	―	-3.41%	―	7.69%	-28.95%

Virginia National Bankshares Corporate Events

Virginia National Bankshares Holds Annual Shareholder Meeting

On July 24, 2025, Virginia National Bankshares Corporation held its Annual Meeting of Shareholders, where key decisions were made. Shareholders elected ten directors to serve until the 2026 meeting, approved executive compensation and its annual advisory vote, increased the stock incentive plan by 150,000 shares, and ratified Yount, Hyde & Barbour, P.C. as the independent accounting firm for 2025.

Virginia National Bankshares Annual Shareholders Meeting Highlights

On July 24, 2025, Virginia National Bankshares Corporation held its Annual Meeting of Shareholders, where executive officers presented information about the company’s operations and performance. The company has experienced significant growth, with a strong tangible book value and a conservative credit culture, positioning it well in the current economic environment. The recent merger with Fauquier is expected to bring revenue synergies and cost savings, although integration challenges remain. The company continues to focus on returning value to shareholders through dividends and maintaining a dominant market position.

Virginia National Bankshares Declares Quarterly Dividend

On July 23, 2025, Virginia National Bankshares Corporation declared a quarterly cash dividend of $0.36 per share, payable on August 29, 2025, reflecting an annual yield of approximately 3.78%. The company reported a net income of $4.2 million for the second quarter of 2025, consistent with the previous year, and a 12% increase in year-to-date earnings compared to 2024. This growth was driven by increased net interest income due to higher average loan balances and decreased interest expenses. The company’s strategic focus on operating efficiencies and asset quality has resulted in improved financial metrics, such as a higher net interest margin and a better efficiency ratio, positioning it favorably in the market.