VIRGINIA NATIONAL BANKSHARES(NASDAQ:VABK) stock Fundamental Analysis

Fundamental Rating

VABK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. VABK has a medium profitability rating, but doesn't score so well on its financial health evaluation. VABK has a expensive valuation and it also scores bad on growth. VABK also has an excellent dividend rating.

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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.

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

The Return On Assets of VABK (1.09%) is better than 71.97% of its industry peers.

VABK has a Return On Equity of 10.68%. This is in the better half of the industry: VABK outperforms 75.51% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.09%
ROE	10.68%
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

1.3 Margins

Looking at the Profit Margin, with a value of 32.44%, VABK belongs to the top of the industry, outperforming 87.37% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	32.44%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

VABK does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for VABK remains at a similar level compared to 1 year ago.

The number of shares outstanding for VABK has been increased compared to 5 years ago.

The debt/assets ratio for VABK has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of VABK is 1.77, which is an excellent value as it means it would take VABK, only 1.77 years of fcf income to pay off all of its debts.

VABK has a Debt to FCF ratio (1.77) which is comparable to the rest of the industry.

VABK has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.

VABK's Debt to Equity ratio of 0.14 is in line compared to the rest of the industry. VABK outperforms 59.60% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.77
Altman-Z	N/A

ROIC/WACCN/A

WACC16.95%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 3.80% over the past 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.

The Revenue has decreased by -1.06% in the past year.

VABK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.46% yearly.

EPS 1Y (TTM)3.8%

EPS 3Y13.71%

EPS 5Y4.79%

EPS Q2Q%22.59%

Revenue 1Y (TTM)-1.06%

Revenue growth 3Y-0.91%

Revenue growth 5Y14.46%

Sales Q2Q%7.21%

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.

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4. Valuation

4.1 Price/Earnings Ratio

VABK is valuated reasonably with a Price/Earnings ratio of 11.54.

VABK's Price/Earnings is on the same level as the industry average.

VABK is valuated cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.54
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, VABK is valued a bit more expensive than the industry average as 62.63% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	15.43
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)2.41

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.66%, VABK has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.34, VABK pays a bit more dividend than its industry peers.

VABK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	3.66%

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 Years1

Div Non Decr Years7

5.3 Sustainability

39.85% of the earnings are spent on dividend by VABK. This is a low number and sustainable payout ratio.

The dividend of VABK is growing, but earnings are growing more, so the dividend growth is sustainable.

DP39.85%

EPS Next 2YN/A

EPS Next 3YN/A

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VIRGINIA NATIONAL BANKSHARES

NASDAQ:VABK (5/16/2025, 8:00:01 PM)

38.08

-1.22 (-3.1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-17 2025-07-17

Inst Owners44.41%

Inst Owner Change0.24%

Ins Owners7.74%

Ins Owner Change2.67%

Market Cap205.25M

Analysts0

Price TargetN/A

Short Float %0.41%

Short Ratio3.91

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.66%

Yearly Dividend1.32

Dividend Growth(5Y)2.5%

DP39.85%

Div Incr Years1

Div Non Decr Years7

Ex-Date05-15 2025-05-15 (0.36)

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 Rank	Sector Rank
PE	11.54
Fwd PE	N/A
P/S	3.74
P/FCF	15.43
P/OCF	14.39
P/B	1.23
P/tB	1.32
EV/EBITDA	N/A

EPS(TTM)3.3

EY8.67%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.47

FCFY6.48%

OCF(TTM)2.65

OCFY6.95%

SpS10.19

BVpS30.94

TBVpS28.85

PEG (NY)N/A

PEG (5Y)2.41

Profitability

		Industry Rank	Sector Rank
ROA	1.09%
ROE	10.68%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.44%
GM	N/A
FCFM	24.23%

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-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.77
Debt/EBITDA	N/A
Cap/Depr	22.69%
Cap/Sales	1.75%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	74.69%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC16.95%

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)3.8%

EPS 3Y13.71%

EPS 5Y4.79%

EPS Q2Q%22.59%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.06%

Revenue growth 3Y-0.91%

Revenue growth 5Y14.46%

Sales Q2Q%7.21%

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-30.93%

FCF growth 3Y7.31%

FCF growth 5Y9.71%

OCF growth 1Y-28.33%

OCF growth 3Y5.37%

OCF growth 5Y10.34%

VIRGINIA NATIONAL BANKSHARES (VABK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens