Virginia National Bankshares Corporation (VABK)
NASDAQ:VABK
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Virginia National Bankshares
(NASDAQ:VABK)
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Rating:77Outperform
Price Target:
$47.00
â–²(18.00% Upside)
Action:UpgradedDate:04/23/26
The score is driven primarily by solid financial performance (re-accelerating growth with healthy profitability and conservative recent leverage). Valuation is supportive with a low P/E and a solid dividend yield. Technicals add a positive backdrop with price above key moving averages and constructive momentum, while corporate events reinforce improving operating metrics and continued dividends.
Positive Factors
Revenue re-acceleration
A 31.8% revenue re-acceleration in 2025 indicates expanding core lending and earning-asset deployment. Sustained top-line growth strengthens the earnings base, supports dividend capacity and reinvestment, and improves the firm's ability to absorb credit or expense shocks over the medium term.
Negative Factors
Margins below prior-cycle peak
Net and operating margins remain meaningfully below 2022 peaks, suggesting some structural normalization or pressure in yields, fee mix or expense leverage. Persistent margin gap can cap long-term ROE expansion and constrain the pace of earnings recovery absent sustained margin expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue re-acceleration
A 31.8% revenue re-acceleration in 2025 indicates expanding core lending and earning-asset deployment. Sustained top-line growth strengthens the earnings base, supports dividend capacity and reinvestment, and improves the firm's ability to absorb credit or expense shocks over the medium term.
Read all positive factors
Virginia National Bankshares (VABK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$231.31M
Dividend Yield3.41%
Average Volume (3M)15.91K
Price to Earnings (P/E)9.8
Beta (1Y)0.68
Revenue Growth-0.10%
EPS Growth12.01%
CountryUS
Employees239
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.57
Shares Outstanding5,422,082
10 Day Avg. Volume9,389
30 Day Avg. Volume15,908
Financial Highlights & Ratios
PEG Ratio0.84
Price to Book (P/B)1.17
Price to Sales (P/S)2.58
P/FCF Ratio10.35
Enterprise Value/Market Cap1.09
Enterprise Value/Revenue3.03
Enterprise Value/Gross Profit4.39
Enterprise Value/Ebitda9.69
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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...
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...
Virginia National Bankshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| 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
Positive
39.83
Price Trends
39.62
Positive
39.96
Positive
39.10
Positive
Market Momentum
0.57
Negative
65.80
Neutral
61.25
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 39.44, above the 50-day MA of 39.62, and above the 200-day MA of 39.10, indicating a bullish trend. The MACD of 0.57 indicates Negative momentum. The RSI at 65.80 is Neutral, neither overbought nor oversold. The STOCH value of 61.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for VABK.
Virginia National Bankshares Risk Analysis
Virginia National Bankshares disclosed 37 risk factors in its most recent earnings report. Virginia National Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Virginia National Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $256.67M | 8.65 | 14.13% | 2.51% | 13.96% | 104.50% | |
77 Outperform | $231.31M | 9.82 | 11.15% | 3.41% | -0.10% | 12.01% | |
74 Outperform | $218.45M | 6.84 | 12.20% | 3.32% | 7.86% | 29.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $205.45M | 12.67 | 10.17% | 3.11% | 21.54% | 69.28% | |
65 Neutral | $232.08M | 12.39 | 8.48% | 5.32% | -2.49% | 41.90% | |
63 Neutral | $245.37M | 12.44 | 9.98% | 2.49% | 16.73% | 184.08% |
* Financial Sector Average
VABK
Virginia National Bankshares
42.66
7.35
20.81%
LCNB
LCNB
16.30
2.30
16.40%
OPBK
OP Bancorp
14.67
2.19
17.57%
FXNC
First National
27.14
8.17
43.05%
FRAF
Franklin Financial Services
57.14
19.66
52.46%
EFSI
Eagle Financial Services
37.96
9.00
31.07%
Virginia National Bankshares Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Virginia National Bankshares Declares Quarterly Dividend After Strong Q1
Positive
Apr 23, 2026
Virginia National Bankshares Corporation reported first-quarter 2026 net income of $5.3 million, or $0.97 per diluted share, up from $4.5 million, or $0.83 per share, a year earlier, driven by a 19-basis-point reduction in cost of funds and lower ...
Business Operations and StrategyExecutive/Board Changes
Virginia National Bankshares Appoints Veteran Banker to Board
Positive
Feb 5, 2026
On January 30, 2026, Virginia National Bankshares Corporation’s board appointed veteran financial services executive Robert Lee Burrows, Jr. to its board of directors, with his directorship at both the holding company and its subsidiary Virg...
DividendsFinancial Disclosures
Virginia National Bankshares Posts Strong Q4 2025 Earnings
Positive
Jan 29, 2026
On January 29, 2026, Virginia National Bankshares Corporation reported net income of $6.0 million, or $1.10 per diluted share, for the fourth quarter of 2025, up from $4.6 million, or $0.85 per diluted share, a year earlier, and full-year 2025 net...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.