Virginia National Bankshares (VABK) AI Stock Analysis

• Market Cap: $217.24M
• Dividend Yield: 3.5%
• Average Volume (3M): 15.91K
• Price to Earnings (P/E): 12.2
• Beta (1Y): 0.72
• Revenue Growth: 1.11%
• EPS Growth: 14.44%
• Country: US
• Employees: 239
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.84
• Shares Outstanding: 5,393,139
• 10 Day Avg. Volume: 9,389
• 30 Day Avg. Volume: 15,908
• PEG Ratio: -0.97
• Price to Book (P/B): 1.28
• Price to Sales (P/S): 2.48
• P/FCF Ratio: 14.09
• Enterprise Value/Market Cap: 1.22
• Enterprise Value/Revenue: 4.27
• Enterprise Value/Gross Profit: 6.27
• Enterprise Value/Ebitda: 13.41
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $46.00 ▲(14.20% Upside)

Virginia National Bankshares is performing well with strong financial performance and positive technical indicators. The stock is reasonably valued with an attractive dividend yield. Corporate events further support the company's stable financial health, making it a solid investment choice.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial health.

Cash Flow Generation

Strong cash flow generation enhances financial flexibility, allowing for strategic investments and debt management.

Leadership Transition

Experienced leadership in the CFO role can drive financial strategy and stability, supporting long-term growth and efficiency.

Negative Factors

Rising Debt Levels

Increased reliance on debt could strain financial resources, impacting future investment capacity and financial stability.

Net Profit Margin Decline

A declining net profit margin may indicate rising costs or competitive pressures, potentially affecting profitability.

Loan Balance Decline

A decline in loan balances could limit interest income growth, impacting revenue if not offset by other income sources.

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 generates revenue primarily through interest income from loans and investments. The company offers various loan products, including commercial loans, residential mortgages, and consumer loans, which typically carry interest rates that contribute significantly to its earnings. Additionally, VABK earns non-interest income through fees associated with banking services such as account maintenance, transaction processing, and wealth management services. The bank's focus on building strong relationships with local businesses and individuals also enables it to capture a steady flow of deposits, which can be leveraged for lending activities. Furthermore, VABK may engage in strategic partnerships with local businesses and organizations to enhance its service offerings and expand its customer base, thereby increasing revenue opportunities.

Virginia National Bankshares Financial Statement Overview

Summary

Virginia National Bankshares is performing well with strong revenue growth and efficient cash flow management. Profitability margins are solid, but the increase in debt levels warrants attention. The company is well-positioned in its industry, but maintaining a balance between growth and leverage will be crucial for future stability.

Income Statement

Virginia National Bankshares has shown consistent revenue growth with a TTM revenue growth rate of 11.2%. The gross profit margin remains strong at 67.39%, indicating efficient cost management. However, the net profit margin has decreased from previous years, currently at 21.52%, suggesting increased expenses or competitive pressures. The EBIT and EBITDA margins have improved, reflecting better operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has increased to 0.42, indicating a higher reliance on debt financing, but it remains manageable. Return on equity is stable at 10.78%, showing consistent profitability. The equity ratio is healthy, suggesting a strong capital base. However, the increase in debt levels could pose a risk if not managed carefully.

Cash Flow

Virginia National Bankshares has demonstrated impressive free cash flow growth of 102.1% in the TTM period, indicating strong cash generation capabilities. The operating cash flow to net income ratio is low, suggesting potential discrepancies between reported earnings and cash flow. However, the free cash flow to net income ratio is high at 97.84%, reflecting efficient cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	62.25M	82.61M	79.09M	69.99M	58.74M	33.80M
Gross Profit	42.42M	53.66M	57.34M	66.70M	54.44M	28.82M
EBITDA	19.83M	25.16M	28.04M	33.63M	16.32M	12.00M
Net Income	13.29M	16.97M	19.26M	23.44M	10.07M	7.98M
Balance Sheet
Total Assets	1.61B	1.62B	1.65B	1.62B	1.97B	848.41M
Cash, Cash Equivalents and Short-Term Investments	0.00	29.14M	448.99M	578.28M	660.19M	182.20M
Total Debt	40.08M	29.13M	79.92M	9.59M	10.47M	33.59M
Total Liabilities	1.43B	1.46B	1.49B	1.49B	1.81B	765.81M
Stockholders Equity	177.36M	160.30M	153.04M	133.42M	161.99M	82.60M
Cash Flow
Free Cash Flow	17.98M	14.56M	12.73M	22.14M	11.77M	9.05M
Operating Cash Flow	18.17M	15.29M	13.90M	22.68M	13.06M	9.25M
Investing Cash Flow	13.23M	15.75M	-19.77M	-167.20M	262.19M	-129.95M
Financing Cash Flow	-27.47M	-42.33M	-5.88M	-324.19M	198.89M	136.31M

Virginia National Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 40.28
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 40.28 is above the 20-day moving average (MA) of 39.92, above the 50-day MA of 39.41, and above the 200-day MA of 37.44, indicating a bullish trend. The MACD of 0.27 indicates Positive momentum. The RSI at 52.28 is Neutral, neither overbought nor oversold. The STOCH value of 54.87 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
LCNB	77 Outperform	$245.29M	10.39	8.97%	5.09%	5.07%	228.39%
EFSI	77 Outperform	$213.12M	17.73	6.63%	3.13%	-1.45%	-31.32%
VABK	77 Outperform	$217.24M	12.21	10.41%	3.50%	1.11%	14.44%
OPBK	74 Outperform	$219.86M	9.40	10.99%	3.25%	9.10%	12.36%
FXNC	73 Outperform	$233.38M	20.73	7.36%	2.45%	48.94%	11.61%
FRAF	73 Outperform	$247.78M	15.79	9.91%	2.37%	12.06%	10.38%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Virginia National Bankshares Corporate Events

Virginia National Bankshares Announces CFO Transition

On November 19, 2025, Virginia National Bankshares Corporation announced a leadership transition with Tara Y. Harrison stepping down as Chief Financial Officer to become a Senior Advisor, effective November 21, 2025. Cathy W. Liles will assume the role of Executive Vice President and Chief Financial Officer. The transition is amicable, with Ms. Harrison’s decision driven by personal reasons, and both executives are committed to ensuring a smooth transition. Ms. Liles brings extensive experience in the banking industry, having held senior financial roles at various institutions, and is expected to contribute significantly to the company’s continued success.

Virginia National Bankshares Reports Steady Q3 2025 Income

Virginia National Bankshares Corporation reported a net income of $4.6 million for the third quarter of 2025, consistent with the same period in 2024, while year-to-date net income increased due to lower interest expenses. The company declared a quarterly cash dividend of $0.36 per share, reflecting an annual yield of approximately 3.63%. Key performance indicators such as return on average assets and equity, as well as net interest margin, showed improvement over the previous quarter. Despite a slight decline in loan balances, the company maintained strong credit standards, contributing to stable asset quality.