Virginia National Bankshares (VABK) AI Stock Analysis

• Market Cap: $216.97M
• Dividend Yield: 3.43%
• Average Volume (3M): 15.91K
• Price to Earnings (P/E): 12.2
• Beta (1Y): 0.76
• 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: 5,391,979
• 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: 1.23
• Enterprise Value/Revenue: 3.20
• Enterprise Value/Gross Profit: 4.75
• Enterprise Value/Ebitda: 10.02
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 70 Outperform
• Price Target: $44.00 ▲(11.68% Upside)

Virginia National Bankshares has a solid financial performance with strong revenue growth and efficient cash flow management. The stock's valuation is reasonable, and the dividend yield is attractive. Technical indicators suggest a neutral to slightly bearish trend, but there is potential for upward movement. The increase in debt levels is a concern that needs monitoring.

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 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 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	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: 39.40
• 50DMA: Negative
• 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 39.4 is above the 20-day moving average (MA) of 39.10, below the 50-day MA of 39.74, and above the 200-day MA of 37.03, indicating a neutral trend. The MACD of 0.18 indicates Negative momentum. The RSI at 50.32 is Neutral, neither overbought nor oversold. The STOCH value of 51.09 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	―	$215.76M	9.25	8.98%	5.71%	5.07%	228.95%
VABK	―	$216.97M	12.21	10.41%	3.43%	1.11%	14.44%
FRAF	―	$208.39M	14.25	9.91%	2.79%	12.06%	―
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EFSI	―	$200.97M	16.72	6.63%	3.32%	-1.45%	-31.32%
OPBK	―	$199.47M	8.71	10.99%	3.52%	9.12%	12.36%
FXNC	―	$202.44M	22.72	5.43%	2.78%	43.39%	-21.38%

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 Reports Steady Q2 2025 Earnings

Virginia National Bankshares Corporation, headquartered in Charlottesville, Virginia, operates as a bank holding company for Virginia National Bank, providing a comprehensive range of banking and financial services across various counties in Virginia. The company is publicly traded on NASDAQ under the symbol VABK.

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.