VIRGINIA NATIONAL BANKSHARES (VABK)
US9280311039 - Common Stock
VABK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. There are concerns on the financial health of VABK while its profitability can be described as average. VABK does not seem to be growing, but still is valued expensively. VABK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year VABK was profitable.
VABK had a positive operating cash flow in the past year.
Each year in the past 5 years VABK has been profitable.
Each year in the past 5 years VABK had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 1.17%, VABK is doing good in the industry, outperforming 75.49% of the companies in the same industry.
With an excellent Return On Equity value of 12.58%, VABK belongs to the best of the industry, outperforming 81.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 12.58% | ||
| ROIC | N/A |
ROA(3y)1.04%
ROA(5y)1%
ROE(3y)12.12%
ROE(5y)10.97%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
VABK has a Profit Margin of 33.16%. This is amongst the best in the industry. VABK outperforms 86.65% of its industry peers.
In the last couple of years the Profit Margin of VABK has grown nicely.
VABK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.16% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.17%
PM growth 5Y2.17%
GM growth 3YN/A
GM growth 5YN/A
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 more shares outstanding
The number of shares outstanding for VABK has been increased compared to 5 years ago.
The debt/assets ratio for VABK is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of VABK is 5.77, which is a neutral value as it means it would take VABK, 5.77 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 5.77, VABK is not doing good in the industry: 70.15% of the companies in the same industry are doing better.
VABK has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.48, VABK is not doing good in the industry: 69.90% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 5.77 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.69%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for VABK have decreased strongly by -18.26% in the last year.
The Earnings Per Share has been growing slightly by 2.62% on average over the past years.
Looking at the last year, VABK shows a very negative growth in Revenue. The Revenue has decreased by -13.61% in the last year.
The Revenue has been growing by 15.35% on average over the past years. This is quite good.
EPS 1Y (TTM)-18.26%
EPS 3Y6.71%
EPS 5Y2.62%
EPS growth Q2Q-55.28%
Revenue 1Y (TTM)-13.61%
Revenue growth 3Y24.01%
Revenue growth 5Y15.35%
Revenue growth Q2Q-29.61%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.35, which indicates a very decent valuation of VABK.
Based on the Price/Earnings ratio, VABK is valued a bit cheaper than the industry average as 71.12% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of VABK to the average of the S&P500 Index (27.73), we can say VABK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.35 | ||
| Fwd PE | N/A |
4.2 Price Multiples
67.23% of the companies in the same industry are cheaper than VABK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.19
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
VABK has a Yearly Dividend Yield of 4.48%, which is a nice return.
Compared to an average industry Dividend Yield of 3.76, VABK pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, VABK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
5.2 History
On average, the dividend of VABK grows each year by 6.90%, which is quite nice.
VABK has been paying a dividend for at least 10 years, so it has a reliable track record.
VABK has decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.9%
Div Incr Years1
Div Non Decr Years2
5.3 Sustainability
VABK pays out 36.73% of its income as dividend. This is a sustainable payout ratio.
The dividend of VABK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP36.73%
EPS Next 2YN/A
EPS Next 3YN/A
VIRGINIA NATIONAL BANKSHARES
NASDAQ:VABK (5/3/2024, 7:24:18 PM)
After market: 29.9 0 (0%)29.9
+0.42 (+1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap161.16M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.35 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)3.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 12.58% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 33.16% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-18.26%
EPS 3Y6.71%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-13.61%
Revenue growth 3Y24.01%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y