Virginia National Bankshares (VABK) AI Stock Analysis

• Market Cap: $201.77M
• Dividend Yield: 3.85%
• Average Volume (3M): 3.71K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.68
• Revenue Growth: 2.26%
• EPS Growth: 3.83%
• Country: US
• Employees: 239
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 0.83
• Shares Outstanding: 5,391,979
• 10 Day Avg. Volume: 3,456
• 30 Day Avg. Volume: 3,705
• PEG Ratio: 2.35
• Price to Book (P/B): 1.19
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 13.17
• Enterprise Value/Market Cap: 1.13
• Enterprise Value/Revenue: 0.76
• Enterprise Value/Gross Profit: 3.74
• Enterprise Value/Ebitda: 2.98
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 64 Neutral
• Price Target: ―

Virginia National Bankshares has a moderate overall stock score, driven by a solid balance sheet and reasonable valuation. The challenges in cash flow management and weak technical momentum are offset by a robust equity base and attractive dividend yield. The absence of earnings call and corporate events data suggests there are no significant new factors influencing the stock at this time.

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 the interest income derived from its loan portfolio, which includes personal, commercial, and real estate loans. The company also earns revenue from fees associated with various banking services, such as account maintenance fees, transaction fees, and service charges. In addition, Virginia National Bank generates income from its wealth management and trust services, which include investment advisory fees and asset management fees. The bank's earnings are further supported by its participation in the mortgage banking sector, where it collects origination and servicing fees. Significant factors contributing to its earnings include effective asset-liability management and strategic partnerships that enhance product offerings and expand market reach.

Virginia National Bankshares Financial Statement Overview

Summary

Virginia National Bankshares demonstrates a moderate financial position. The income statement reflects challenges in revenue and profit growth, but the balance sheet is robust with low leverage and adequate equity. Cash flow management requires improvement, particularly in generating consistent free cash flow.

Income Statement

Virginia National Bankshares has shown moderate performance in recent years. While the revenue growth rate has been inconsistent, with a decline in 2023, the company maintains a healthy gross profit margin. The net profit margin has decreased as well, suggesting pressure on profitability. However, the bank has demonstrated resilience with stable EBIT and EBITDA margins, which reflect effective cost management.

Balance Sheet

The balance sheet of Virginia National Bankshares is relatively strong, characterized by a low debt-to-equity ratio, indicating limited reliance on debt. The equity ratio shows a solid equity base compared to total assets. Return on Equity (ROE) has been fluctuating, but remains adequate, reflecting efficient use of shareholder equity. The stability in stockholders' equity over time is a positive indicator of financial health.

Cash Flow

The cash flow situation is mixed, with zero operating cash flow reported most recently, impacting the ability to cover net income. Free cash flow has been inconsistent, with recent years showing no reported free cash flow, which could suggest potential challenges in generating cash from core operations. The absence of growth in free cash flow indicates limited capacity for reinvestment or debt repayment.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
53.06M	56.88M	64.40M	55.45M	30.44M
	Gross Profit
53.06M	56.88M	64.40M	55.45M	30.44M
	EBIT
28.12M	23.27M	31.73M	11.92M	10.04M
	EBITDA
0.00	28.04M	33.63M	0.00	12.00M
	Net Income Common Stockholders
16.97M	19.26M	23.44M	10.07M	7.98M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
5.31M	28.39M	578.28M	660.19M	182.20M
	Total Assets
1.62B	1.65B	1.62B	1.97B	848.41M
	Total Debt
28.89M	76.46M	9.59M	10.47M	30.00M
	Net Debt
11.79M	48.07M	-30.50M	-345.90M	21.88M
	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: 37.42
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• 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 Negative. The current price of 37.42 is above the 20-day moving average (MA) of 37.23, above the 50-day MA of 36.43, and below the 200-day MA of 37.58, indicating a neutral trend. The MACD of 0.10 indicates Positive momentum. The RSI at 46.96 is Neutral, neither overbought nor oversold. The STOCH value of 29.97 is Neutral, 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
HWBK	71 Outperform	$196.94M	10.41	6.62%	2.82%	4.86%	800.59%
OPOF	69 Neutral	$201.19M	20.02	8.85%	1.42%	4.92%	55.04%
BPRN	69 Neutral	$207.60M	18.25	4.43%	3.99%	10.64%	-56.22%
Sector *	64 Neutral	$12.93B	9.70	7.85%	78.03%	12.07%	-7.83%
VABK	64 Neutral	$201.77M	11.09	11.15%	3.85%	2.26%	3.83%
PVBC	54 Neutral	$209.21M	45.29	1.93%	―	-4.32%	-68.19%
BLFY	51 Neutral	$192.88M	―	-3.48%	―	7.45%	-41.97%