Virginia National Bankshares (VABK) AI Stock Analysis

• Market Cap: $215.91M
• Dividend Yield: 3.41%
• Average Volume (3M): 15.91K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.75
• Revenue Growth: 1.11%
• EPS Growth: 14.44%
• Country: US
• Employees: 239
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.10
• Shares Outstanding: 5,422,082
• 10 Day Avg. Volume: 9,389
• 30 Day Avg. Volume: 15,908
• PEG Ratio: 0.84
• Price to Book (P/B): 1.17
• Price to Sales (P/S): 2.58
• P/FCF Ratio: 10.35
• Enterprise Value/Market Cap: 1.11
• Enterprise Value/Revenue: 2.88
• Enterprise Value/Gross Profit: 4.17
• Enterprise Value/Ebitda: 9.22
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: $42.00 ▲(5.45% Upside)
• Action: Reiterated Date: 03/28/26
• Date: Action: Reiterated 03/28/26

The score is driven mainly by solid financial performance (re-accelerating revenue, healthy margins, conservative recent leverage) and supportive valuation (modest P/E and a ~3.7% dividend yield). These positives are tempered by weak-to-neutral technicals, with price below key moving averages and negative MACD indicating subdued momentum.

Positive Factors

Revenue Re-acceleration

A large 2025 revenue re-acceleration signals strengthening core franchise and improved loan and asset deployment. Durable top-line momentum supports continued net interest income and fee generation, enabling sustainable operating leverage and reinvestment over the next several quarters.

Negative Factors

Modest Return on Equity

A flat ROE around 10.5% indicates the bank is generating only moderate profitability on capital. Without clear uplift in leverage or structural margin expansion, persistent mid-single-digit improvement limits equity returns and constrains the pace of organic capital buildup over 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 Esta...

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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 Esta...

How the Company Makes Money

VABK primarily makes money through its banking subsidiary by (1) earning net interest income—the spread between interest and fees collected on loans and interest earned on investment securities versus the interest it pays on deposits and other bor...

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VABK primarily makes money through its banking subsidiary by (1) earning net interest income—the spread between interest and fees collected on loans and interest earned on investment securities versus the interest it pays on deposits and other bor...

Virginia National Bankshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	83.34M	82.61M	79.09M	69.99M	58.74M
Gross Profit	57.47M	53.66M	57.34M	66.70M	54.44M
EBITDA	24.08M	25.16M	28.04M	33.63M	16.32M
Net Income	19.26M	16.97M	19.26M	23.44M	10.07M
Balance Sheet
Total Assets	1.65B	1.62B	1.65B	1.62B	1.97B
Cash, Cash Equivalents and Short-Term Investments	60.06M	29.14M	448.99M	578.28M	660.19M
Total Debt	29.75M	29.13M	79.92M	9.59M	10.47M
Total Liabilities	1.47B	1.46B	1.49B	1.49B	1.81B
Stockholders Equity	184.16M	160.30M	153.04M	133.42M	161.99M
Cash Flow
Free Cash Flow	20.75M	14.56M	12.73M	22.14M	11.77M
Operating Cash Flow	21.33M	15.29M	13.90M	22.68M	13.06M
Investing Cash Flow	31.80M	15.75M	-19.77M	-167.20M	262.19M
Financing Cash Flow	381.00K	-42.33M	-5.88M	-324.19M	198.89M

Virginia National Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 39.83
• 50DMA: Negative
• 100DMA: Negative
• 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 39.83 is above the 20-day moving average (MA) of 38.66, above the 50-day MA of 39.59, and above the 200-day MA of 38.92, indicating a neutral trend. The MACD of -0.20 indicates Negative momentum. The RSI at 51.02 is Neutral, neither overbought nor oversold. The STOCH value of 35.75 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
FRAF	73 Outperform	$255.30M	10.64	9.91%	2.51%	12.06%	10.38%
VABK	69 Neutral	$215.91M	11.15	11.02%	3.41%	1.11%	14.44%
OPBK	69 Neutral	$210.85M	8.19	11.75%	3.32%	9.10%	12.36%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LCNB	66 Neutral	$244.89M	10.22	8.68%	5.32%	5.07%	228.39%
FXNC	63 Neutral	$262.73M	12.82	9.98%	2.49%	48.94%	11.61%
EFSI	58 Neutral	$209.78M	26.01	6.63%	3.11%	-1.45%	-31.32%

Virginia National Bankshares Corporate Events