VIRGINIA NATIONAL BANKSHARES (VABK) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:VABK • US9280311039

43.98 USD
+1.97 (+4.69%)
At close: Feb 5, 2026
43.98 USD
0 (0%)
After Hours: 2/5/2026, 8:01:16 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to VABK. VABK was compared to 383 industry peers in the Banks industry. While VABK is still in line with the averages on profitability rating, there are concerns on its financial health. VABK does not seem to be growing, but still is valued expensively. Finally VABK also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year VABK was profitable.
  • VABK had a positive operating cash flow in the past year.
  • In the past 5 years VABK has always been profitable.
  • VABK had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

  • The Return On Assets of VABK (1.11%) is better than 71.28% of its industry peers.
  • VABK has a Return On Equity of 10.07%. This is in the better half of the industry: VABK outperforms 63.97% of its industry peers.
Industry RankSector Rank
ROA 1.11%
ROE 10.07%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 31.29%, VABK belongs to the top of the industry, outperforming 83.29% of the companies in the same industry.
  • In the last couple of years the Profit Margin of VABK has grown nicely.
  • The Operating Margin and Gross Margin are not available for VABK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.29%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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.
  • The number of shares outstanding for VABK has been increased compared to 5 years ago.
  • Compared to 1 year ago, VABK has an improved debt to assets ratio.
VABK Yearly Shares OutstandingVABK Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • VABK has a debt to FCF ratio of 1.90. This is a very positive value and a sign of high solvency as it would only need 1.90 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 1.90, VABK perfoms like the industry average, outperforming 49.35% of the companies in the same industry.
  • VABK has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • VABK has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: VABK outperforms 44.65% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.9
Altman-Z N/A
ROIC/WACCN/A
WACC15.95%
VABK Yearly LT Debt VS Equity VS FCFVABK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • VABK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.27%, which is quite good.
  • 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.
  • VABK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.05%.
  • 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)14.27%
EPS 3Y13.71%
EPS 5Y4.79%
EPS Q2Q%-0.75%
Revenue 1Y (TTM)9.05%
Revenue growth 3Y-0.91%
Revenue growth 5Y14.46%
Sales Q2Q%7.03%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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2

4. Valuation

4.1 Price/Earnings Ratio

  • VABK is valuated correctly with a Price/Earnings ratio of 13.33.
  • VABK's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, VABK is valued rather cheaply.
Industry RankSector Rank
PE 13.33
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 13.4
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)2.78
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • VABK has a Yearly Dividend Yield of 3.43%.
  • VABK's Dividend Yield is a higher than the industry average which is at 2.71.
  • VABK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.43%

5.2 History

  • The dividend of VABK has a limited annual growth rate of 2.50%.
  • VABK has paid a dividend for at least 10 years, which is a reliable track record.
  • As VABK did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)2.5%
Div Incr Years0
Div Non Decr Years7
VABK Yearly Dividends per shareVABK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • VABK pays out 41.58% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of VABK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP41.58%
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 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

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VIRGINIA NATIONAL BANKSHARES

NASDAQ:VABK (2/5/2026, 8:01:16 PM)

After market: 43.98 0 (0%)

43.98

+1.97 (+4.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners48.94%
Inst Owner Change1.58%
Ins Owners7.61%
Ins Owner Change0%
Market Cap237.05M
Revenue(TTM)57.09M
Net Income(TTM)17.86M
Analysts0
Price TargetN/A
Short Float %0.45%
Short Ratio2.9
Dividend
Industry RankSector Rank
Dividend Yield 3.43%
Yearly Dividend1.32
Dividend Growth(5Y)2.5%
DP41.58%
Div Incr Years0
Div Non Decr Years7
Ex-Date02-13
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 13.33
Fwd PE N/A
P/S 4.15
P/FCF 13.4
P/OCF 13.1
P/B 1.34
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)3.3
EY7.5%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.28
FCFY7.47%
OCF(TTM)3.36
OCFY7.63%
SpS10.59
BVpS32.91
TBVpS30.92
PEG (NY)N/A
PEG (5Y)2.78
Graham Number49.43
Profitability
Industry RankSector Rank
ROA 1.11%
ROE 10.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.29%
GM N/A
FCFM 31%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.9
Debt/EBITDA N/A
Cap/Depr 13.42%
Cap/Sales 0.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 99.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.95%
ROIC/WACCN/A
Cap/Depr(3y)17.53%
Cap/Depr(5y)18.42%
Cap/Sales(3y)1.4%
Cap/Sales(5y)1.44%
Profit Quality(3y)82.12%
Profit Quality(5y)95.35%
High Growth Momentum
Growth
EPS 1Y (TTM)14.27%
EPS 3Y13.71%
EPS 5Y4.79%
EPS Q2Q%-0.75%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.05%
Revenue growth 3Y-0.91%
Revenue growth 5Y14.46%
Sales Q2Q%7.03%
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 1Y17.74%
FCF growth 3Y7.31%
FCF growth 5Y9.71%
OCF growth 1Y13.54%
OCF growth 3Y5.37%
OCF growth 5Y10.34%

VIRGINIA NATIONAL BANKSHARES / VABK FAQ

What is the fundamental rating for VABK stock?

ChartMill assigns a fundamental rating of 3 / 10 to VABK.


What is the valuation status for VABK stock?

ChartMill assigns a valuation rating of 2 / 10 to VIRGINIA NATIONAL BANKSHARES (VABK). This can be considered as Overvalued.


What is the profitability of VABK stock?

VIRGINIA NATIONAL BANKSHARES (VABK) has a profitability rating of 4 / 10.


What is the valuation of VIRGINIA NATIONAL BANKSHARES based on its PE and PB ratios?

The Price/Earnings (PE) ratio for VIRGINIA NATIONAL BANKSHARES (VABK) is 13.33 and the Price/Book (PB) ratio is 1.34.