Virginia National Bankshares (VABK) AI Stock Analysis

• Market Cap: $197.35M
• Dividend Yield: 3.69%
• Average Volume (3M): 5.38K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.69
• Revenue Growth: 2.41%
• EPS Growth: 14.29%
• Country: US
• Employees: 239
• Sector: Financial
• Sector Strength: 68
• Industry: Banks - Regional
• EPS (TTM): 0.78
• Shares Outstanding: 5,391,979
• 10 Day Avg. Volume: 4,879
• 30 Day Avg. Volume: 5,385
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.34
• Enterprise Value/Revenue: 3.18
• Enterprise Value/Gross Profit: 4.78
• Enterprise Value/Ebitda: 10.06
• 1Y Price Target: $41.00
• Price Target Upside: 11.47% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• Price Target: $42.00 ▲(14.19%Upside)

Virginia National Bankshares has a strong financial performance, supported by solid revenue growth and profitability. Valuation metrics are favorable, offering potential for value and income investors. Despite a neutral technical outlook, the company's strategic initiatives and consistent dividends enhance its investment appeal.

Virginia National Bankshares Business Overview & Revenue Model

Company Description

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial banking services. The company operates through four segments: Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. It provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. The company also offers commercial and industrial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. In addition, it provides automated teller machines, internet banking, treasury, and cash management services, as well as merchant and debit card services; and wealth and investment advisory, brokerage, insurance, consulting, and related services. Further, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations. As of December 31, 2021, the company operated sixteen full-service banking facilities in the cities of Charlottesville, Manassas, Richmond, and Winchester, as well as the counties of Albemarle, Fauquier, and Prince William. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia.

How the Company Makes Money

Virginia National Bankshares makes money primarily through its banking operations. Key revenue streams include interest income from loans and securities, which is the largest contributor to its revenue. This income is generated from the interest charged on loans and credit facilities provided to individuals and businesses. Additionally, the company earns non-interest income from fees and service charges related to deposit accounts, wealth management services, and other ancillary financial services. Mortgage banking income and investment advisory fees also contribute to the company's earnings. Strategic partnerships with financial service providers and a focus on relationship banking help enhance its revenue-generating capabilities.

Virginia National Bankshares Financial Statement Overview

Summary

Virginia National Bankshares demonstrates strong financial health with solid revenue growth, high profitability margins, and efficient leverage management. The balance sheet is stable, and cash flow is consistent, although there is room for improvement in asset utilization and cash flow optimization.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	82.61M	79.09M	69.99M	58.74M	33.80M
Gross Profit	53.66M	57.34M	66.70M	54.44M	28.82M
EBITDA	25.16M	28.04M	33.63M	16.32M	12.00M
Net Income	16.97M	19.26M	23.44M	10.07M	7.98M
Balance Sheet
Total Assets	1.62B	1.65B	1.62B	1.97B	848.41M
Cash, Cash Equivalents and Short-Term Investments	29.14M	448.99M	578.28M	660.19M	182.20M
Total Debt	28.89M	79.92M	9.59M	10.47M	33.59M
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	14.56M	12.73M	22.14M	11.77M	9.05M
Operating Cash Flow	15.29M	13.90M	22.68M	13.06M	9.25M
Investing Cash Flow	15.75M	-19.77M	-167.20M	262.19M	-129.95M
Financing Cash Flow	-42.33M	-5.88M	-324.19M	198.89M	136.31M

Virginia National Bankshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 36.78
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 36.78 is below the 20-day moving average (MA) of 37.63, below the 50-day MA of 37.31, and below the 200-day MA of 37.31, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 43.05 is Neutral, neither overbought nor oversold. The STOCH value of 14.39 is Positive, 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
VABK	76 Outperform	$197.35M	11.07	11.01%	3.69%	2.41%	14.29%
HWBK	74 Outperform	$195.60M	9.53	14.00%	2.73%	2.03%	390.37%
BPRN	73 Outperform	$207.53M	31.77	2.70%	4.01%	16.39%	-72.87%
OPOF	72 Outperform	$203.54M	23.40	7.59%	1.40%	1.57%	21.30%
PVBC	71 Outperform	$213.60M	19.37	4.59%	―	-3.01%	48.26%
Sector *	62 Neutral	C$15.13B	6.84	19.06%	5.62%	33.28%	-19.39%
BLFY	57 Neutral	$182.24M	―	-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.