40.6 USD
+0.08 (+0.2%)
Taking everything into account, VABK scores 3 out of 10 in our fundamental rating. VABK was compared to 387 industry peers in the Banks industry. There are concerns on the financial health of VABK while its profitability can be described as average. VABK has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
VABK had positive earnings in the past year.
VABK had a positive operating cash flow in the past year.
In the past 5 years VABK has always been profitable.
In the past 5 years VABK always reported a positive cash flow from operatings.
1.2 Ratios
VABK has a Return On Assets of 1.09%. This is in the better half of the industry: VABK outperforms 71.32% of its industry peers.
Looking at the Return On Equity, with a value of 10.47%, VABK is in the better half of the industry, outperforming 68.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 10.47% | ||
| 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 31.86%, VABK belongs to the top of the industry, outperforming 85.01% 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) | 31.86% | ||
| 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
2. Health
2.1 Basic Checks
VABK does not have a ROIC to compare to the WACC, probably because it is not profitable.
VABK has about the same amout of shares outstanding than it did 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 2.41, which is a good value as it means it would take VABK, 2.41 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of VABK (2.41) is comparable to the rest of the industry.
VABK has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.38, VABK is doing worse than 72.09% of the companies in the same industry.
Although VABK does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.27% over the past year.
The Earnings Per Share has been growing slightly by 4.79% on average over the past years.
The Revenue has grown by 9.05% in the past year. This is quite good.
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)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.
4. Valuation
4.1 Price/Earnings Ratio
VABK is valuated correctly with a Price/Earnings ratio of 12.30.
VABK's Price/Earnings ratio is in line with the industry average.
VABK is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VABK is valued a bit cheaper than 79.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.57
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.55%, VABK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.33, VABK pays a bit more dividend than its industry peers.
VABK's Dividend Yield is a higher than the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
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.
VABK has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)2.5%
Div Incr Years0
Div Non Decr Years7
5.3 Sustainability
40.63% of the earnings are spent on dividend by VABK. 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.
DP40.63%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:VABK (11/28/2025, 8:04:54 PM)
40.6
+0.08 (+0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners44.49%
Inst Owner Change10.58%
Ins Owners7.61%
Ins Owner Change0%
Market Cap218.83M
Revenue(TTM)57.09M
Net Income(TTM)17.89M
Analysts0
Price TargetN/A
Short Float %0.47%
Short Ratio1.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
Yearly Dividend1.32
Dividend Growth(5Y)2.5%
DP40.63%
Div Incr Years0
Div Non Decr Years7
Ex-Date
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 | 12.3 | ||
| Fwd PE | N/A | ||
| P/S | 3.9 | ||
| P/FCF | 8.17 | ||
| P/OCF | 8 | ||
| P/B | 1.28 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.3
EY8.13%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.97
FCFY12.24%
OCF(TTM)5.08
OCFY12.51%
SpS10.42
BVpS31.68
TBVpS29.65
PEG (NY)N/A
PEG (5Y)2.57
Graham Number48.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 10.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.86% | ||
| GM | N/A | ||
| FCFM | 47.71% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.41 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 13.89% | ||
| Cap/Sales | 1.05% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 149.72% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.21%
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 1Y19.46%
FCF growth 3Y7.31%
FCF growth 5Y9.71%
OCF growth 1Y18.28%
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 of VIRGINIA NATIONAL BANKSHARES (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 12.3 and the Price/Book (PB) ratio is 1.28.
What is the financial health of VIRGINIA NATIONAL BANKSHARES (VABK) stock?
The financial health rating of VIRGINIA NATIONAL BANKSHARES (VABK) is 3 / 10.