Logo image of VABK

VIRGINIA NATIONAL BANKSHARES (VABK) Stock Fundamental Analysis

NASDAQ:VABK - Nasdaq - US9280311039 - Common Stock - Currency: USD

35.76  -0.67 (-1.84%)

After market: 35.76 0 (0%)

Fundamental Rating

3

Taking everything into account, VABK scores 3 out of 10 in our fundamental rating. VABK was compared to 405 industry peers in the Banks industry. VABK has a medium profitability rating, but doesn't score so well on its financial health evaluation. VABK is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

VABK had positive earnings in the past year.
In the past year VABK had a positive cash flow from operations.
In the past 5 years VABK has always been profitable.
Of the past 5 years VABK 4 years had a positive operating cash flow.
VABK Yearly Net Income VS EBIT VS OCF VS FCFVABK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.96%, VABK is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
VABK has a better Return On Equity (9.39%) than 63.41% of its industry peers.
Industry RankSector Rank
ROA 0.96%
ROE 9.39%
ROIC N/A
ROA(3y)1.22%
ROA(5y)1.02%
ROE(3y)13.58%
ROE(5y)11.32%
ROIC(3y)N/A
ROIC(5y)N/A
VABK Yearly ROA, ROE, ROICVABK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With an excellent Profit Margin value of 29.75%, VABK belongs to the best of the industry, outperforming 82.96% of the companies in the same industry.
VABK's Profit Margin has improved in the last couple of years.
VABK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.75%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.08%
PM growth 5Y5.24%
GM growth 3YN/A
GM growth 5YN/A
VABK Yearly Profit, Operating, Gross MarginsVABK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

2

2. Health

2.1 Basic Checks

VABK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, VABK has about the same amount of shares outstanding.
Compared to 5 years ago, VABK has more shares outstanding
VABK has a better debt/assets ratio than last year.
VABK Yearly Shares OutstandingVABK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
VABK Yearly Total Debt VS Total AssetsVABK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

VABK has a debt to FCF ratio of 4.14. This is a neutral value as VABK would need 4.14 years to pay back of all of its debts.
The Debt to FCF ratio of VABK (4.14) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.36 indicates that VABK is not too dependend on debt financing.
VABK's Debt to Equity ratio of 0.36 is on the low side compared to the rest of the industry. VABK is outperformed by 69.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 4.14
Altman-Z N/A
ROIC/WACCN/A
WACC14.42%
VABK Yearly LT Debt VS Equity VS FCFVABK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VABK Yearly Current Assets VS Current LiabilitesVABK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

More info and screens

2

3. Growth

3.1 Past

The earnings per share for VABK have decreased strongly by -12.14% in the last year.
Measured over the past 5 years, VABK shows a small growth in Earnings Per Share. The EPS has been growing by 4.79% on average per year.
Looking at the last year, VABK shows a decrease in Revenue. The Revenue has decreased by -7.07% in the last year.
Measured over the past years, VABK shows a quite strong growth in Revenue. The Revenue has been growing by 14.46% on average per year.
EPS 1Y (TTM)-12.14%
EPS 3Y13.71%
EPS 5Y4.79%
EPS Q2Q%42.87%
Revenue 1Y (TTM)-7.07%
Revenue growth 3Y-0.91%
Revenue growth 5Y14.46%
Sales Q2Q%12.52%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
VABK Yearly Revenue VS EstimatesVABK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
VABK Yearly EPS VS EstimatesVABK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.35, which indicates a very decent valuation of VABK.
Compared to the rest of the industry, the Price/Earnings ratio of VABK indicates a somewhat cheap valuation: VABK is cheaper than 68.42% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of VABK to the average of the S&P500 Index (29.62), we can say VABK is valued rather cheaply.
Industry RankSector Rank
PE 11.35
Fwd PE N/A
VABK Price Earnings VS Forward Price EarningsVABK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of VABK is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.44
EV/EBITDA N/A
VABK Per share dataVABK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.37
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

VABK has a Yearly Dividend Yield of 3.62%.
VABK's Dividend Yield is a higher than the industry average which is at 3.19.
VABK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 3.62%

5.2 History

The dividend of VABK is nicely growing with an annual growth rate of 6.90%!
VABK has been paying a dividend for at least 10 years, so it has a reliable track record.
VABK has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)6.9%
Div Incr Years1
Div Non Decr Years7
VABK Yearly Dividends per shareVABK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

5.3 Sustainability

VABK pays out 45.52% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of VABK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP45.52%
EPS Next 2YN/A
EPS Next 3YN/A
VABK Yearly Income VS Free CF VS DividendVABK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
VABK Dividend Payout.VABK Dividend Payout, showing the Payout Ratio.VABK Dividend Payout.PayoutRetained Earnings

More info and screens

VIRGINIA NATIONAL BANKSHARES

NASDAQ:VABK (2/21/2025, 8:00:01 PM)

After market: 35.76 0 (0%)

35.76

-0.67 (-1.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04 2025-02-04
Earnings (Next)04-21 2025-04-21
Inst Owners44.41%
Inst Owner Change-79.75%
Ins Owners7.74%
Ins Owner Change0%
Market Cap192.03M
Analysts0
Price TargetN/A
Short Float %0.22%
Short Ratio1.64
Dividend
Industry RankSector Rank
Dividend Yield 3.62%
Yearly Dividend1.33
Dividend Growth(5Y)6.9%
DP45.52%
Div Incr Years1
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.35
Fwd PE N/A
P/S 3.67
P/FCF 13.44
P/OCF 12.69
P/B 1.16
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)3.15
EY8.81%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.66
FCFY7.44%
OCF(TTM)2.82
OCFY7.88%
SpS9.75
BVpS30.9
TBVpS28.69
PEG (NY)N/A
PEG (5Y)2.37
Profitability
Industry RankSector Rank
ROA 0.96%
ROE 9.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.75%
GM N/A
FCFM 27.29%
ROA(3y)1.22%
ROA(5y)1.02%
ROE(3y)13.58%
ROE(5y)11.32%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.08%
PM growth 5Y5.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 4.14
Debt/EBITDA N/A
Cap/Depr 19.72%
Cap/Sales 1.63%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.42%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-12.14%
EPS 3Y13.71%
EPS 5Y4.79%
EPS Q2Q%42.87%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.07%
Revenue growth 3Y-0.91%
Revenue growth 5Y14.46%
Sales Q2Q%12.52%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-5.05%
OCF growth 3YN/A
OCF growth 5YN/A