image
Virginia National Bankshares Corporation VABK
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 35.1
-0.116 %
$ 189 M
Market Cap
10.98
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one VABK stock under the worst case scenario is HIDDEN Compared to the current market price of 35.1 USD, Virginia National Bankshares Corporation is HIDDEN

VABK Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one VABK stock under the base case scenario is HIDDEN Compared to the current market price of 35.1 USD, Virginia National Bankshares Corporation is HIDDEN

VABK Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one VABK stock under the best case scenario is HIDDEN Compared to the current market price of 35.1 USD, Virginia National Bankshares Corporation is HIDDEN

VABK Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart VABK

image
1M -5%
6M -12%
1Y 22%
3Y 16%
5Y 70%
All
$44.0$44.0$43.0$43.0$42.0$42.0$41.0$41.0$40.0$40.0$39.0$39.0$38.0$38.0$37.0$37.0$36.0$36.0$35.0$35.0$34.0$34.0$33.0$33.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
53.1 M REVENUE
-6.71%
Growth Rates
1Year -6.71%
3Years -1.46%
5Years 14.07%
7Years 9.98%
10Years 10.22%
28.1 M OPERATING INCOME
20.82%
Growth Rates
1Year 20.82%
3Years 33.13%
5Years 27.90%
7Years 12.68%
10Years 23.96%
17 M NET INCOME
-11.92%
Growth Rates
1Year -11.92%
3Years 18.99%
5Years 20.46%
7Years 14.55%
10Years 24.49%
15.3 M OPERATING CASH FLOW
9.97%
Growth Rates
1Year 9.97%
3Years 5.38%
5Years 10.35%
7Years 8.22%
10Years 7.08%
15.8 M INVESTING CASH FLOW
179.69%
Growth Rates
1Year 179.69%
3Years -60.83%
5Years 18.00%
7Years 12.33%
10Years 10.67%
-42.3 M FINANCING CASH FLOW
-619.53%
Growth Rates
1Year -619.53%
3Years -6.64%
5Years -14.03%
7Years -12.71%
10Years -9.86%
14.1 M REVENUE
-27.32%
Growth Rates
1Year -6.71%
3Years -1.46%
5Years 14.07%
7Years 9.98%
10Years 10.22%
7.53 M OPERATING INCOME
33.38%
Growth Rates
1Year 20.82%
3Years 33.13%
5Years 27.90%
7Years 12.68%
10Years 23.96%
4.56 M NET INCOME
-0.85%
Growth Rates
1Year -11.92%
3Years 18.99%
5Years 20.46%
7Years 14.55%
10Years 24.49%
3.36 M OPERATING CASH FLOW
-77.87%
Growth Rates
1Year 9.97%
3Years 5.38%
5Years 10.35%
7Years 8.22%
10Years 7.08%
-12.5 M INVESTING CASH FLOW
69.32%
Growth Rates
1Year 179.69%
3Years -60.83%
5Years 18.00%
7Years 12.33%
10Years 10.67%
7.09 M FINANCING CASH FLOW
-74.19%
Growth Rates
1Year -619.53%
3Years -6.64%
5Years -14.03%
7Years -12.71%
10Years -9.86%
Balance Sheet Virginia National Bankshares Corporation
image
Current Assets 5.31 M
Cash & Short-Term Investments 5.31 M
Receivables 0
Other Current Assets 0
Non-Current Assets 1.61 B
Long-Term Investments 0
PP&E 20.9 M
Other Non-Current Assets 1.59 B
98.38 %Total Assets$1.6b
Current Liabilities 3.85 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 3.85 M
Non-Current Liabilities 1.45 B
Long-Term Debt 3.51 M
Other Non-Current Liabilities 1.45 B
99.50 %Total Liabilities$1.5b
EFFICIENCY
Earnings Waterfall Virginia National Bankshares Corporation
image
Revenue 53.1 M
Cost Of Revenue -600 K
Gross Profit 53.7 M
Operating Expenses 25.5 M
Operating Income 28.1 M
Other Expenses 11.2 M
Net Income 17 M
60m60m50m50m40m40m30m30m20m20m10m10m0053m600k54m(26m)28m(11m)17mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
101.13% GROSS MARGIN
101.13%
Averages
1Year 101.13%
3Years 100.38%
5Years 100.23%
7Years 100.06%
10Years 99.60%
52.99% OPERATING MARGIN
52.99%
Averages
1Year 52.99%
3Years 47.73%
5Years 39.53%
7Years 39.21%
10Years 38.31%
31.97% NET MARGIN
31.97%
Averages
1Year 31.97%
3Years 34.08%
5Years 29.32%
7Years 28.68%
10Years 26.40%
10.58% ROE
10.58%
Averages
1Year 10.58%
3Years 13.58%
5Years 11.32%
7Years 11.05%
10Years 10.29%
1.05% ROA
1.05%
Averages
1Year 1.05%
3Years 1.22%
5Years 1.02%
7Years 1.05%
10Years 0.99%
1.42% ROIC
1.42%
Averages
1Year 1.42%
3Years 9.26%
5Years 6.18%
7Years 5.03%
10Years 5.53%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Virginia National Bankshares Corporation
image
25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 17 M
Depreciation & Amortization 4.26 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 0
Others -5.93 M
Free Cash Flow 14.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Virginia National Bankshares Corporation
image
VABK has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.86% DIVIDEND YIELD
0.33 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.4000001.4000001.2000001.2000001.0000001.0000000.8000000.8000000.6000000.6000000.4000000.4000000.2000000.2000000.0000000.0000000.0714290.0952380.123810.30.30.330.330.330.0952380.123810.145130.190.285710.285710.30.30.30.330.330.0952380.123810.145120.285710.30.30.30.30.330.330.0952380.360.123810.470.180950.600.285711.060.31.190.31.220.31.230.31.230.30.930.30.960.330.660.330.332015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 17
6. Ownership
Insider Ownership Virginia National Bankshares Corporation
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES QUARTERLY CASH DIVIDEND CHARLOTTESVILLE, Va. , Feb. 27, 2025 /PRNewswire/ -- Virginia National Bankshares Corporation (the "Company") (NASDAQ: VABK) announced today that on February 26, 2025 its Board of Directors declared a quarterly cash dividend of $0.33 per share to be paid on March 28, 2025 to shareholders of record as of March 14, 2025. prnewswire.com - 2 months ago
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2024 FOURTH QUARTER AND FULL YEAR EARNINGS CHARLOTTESVILLE, Va. , Jan. 23, 2025 /PRNewswire/ -- Virginia National Bankshares Corporation (NASDAQ: VABK) (the "Company") today reported quarterly net income of $4.6 million, or $0.85 per diluted share, for the quarter ended December 31, 2024, compared to $3.2 million, or $0.59 per diluted share, recognized for the quarter ended December 31, 2023. prnewswire.com - 3 months ago
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES QUARTERLY CASH DIVIDEND CHARLOTTESVILLE, Va. , Oct. 25, 2024 /PRNewswire/ -- Virginia National Bankshares Corporation (the "Company") (NASDAQ: VABK) announced today that on October 23, 2024 its Board of Directors declared a quarterly cash dividend of $0.33 per share to be paid on December 20, 2024 to shareholders of record as of December 6, 2024. prnewswire.com - 6 months ago
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2024 THIRD QUARTER EARNINGS CHARLOTTESVILLE, Va. , Oct. 17, 2024 /PRNewswire/ -- Virginia National Bankshares Corporation (NASDAQ: VABK) (the "Company") today reported quarterly net income of $4.6 million, or $0.85 per diluted share, for the quarter ended September 30, 2024, compared to $4.7 million, or $0.86 per diluted share, recognized for the quarter ended September 30, 2023. prnewswire.com - 6 months ago
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES QUARTERLY CASH DIVIDEND CHARLOTTESVILLE, Va. , July 25, 2024 /PRNewswire/ -- Virginia National Bankshares Corporation (the "Company") (NASDAQ: VABK) announced today that on July 24, 2024 its Board of Directors declared a quarterly cash dividend of $0.33 per share to be paid on September 20, 2024 to shareholders of record as of September 6, 2024. prnewswire.com - 9 months ago
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2024 SECOND QUARTER EARNINGS CHARLOTTESVILLE, Va. , July 19, 2024 /PRNewswire/ -- Virginia National Bankshares Corporation (NASDAQ: VABK) (the "Company") today reported quarterly net income of $4.2 million, or $0.77 per diluted share, for the quarter ended June 30, 2024, compared to $5.7 million, or $1.05 per diluted share, recognized for the quarter ended June 30, 2023. prnewswire.com - 9 months ago
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES QUARTERLY CASH DIVIDEND CHARLOTTESVILLE, Va. , May 24, 2024 /PRNewswire/ -- Virginia National Bankshares Corporation (the "Company") (NASDAQ: VABK) announced today that on May 22, 2024 its Board of Directors declared a quarterly cash dividend of $0.33 per share to be paid on June 28, 2024 to shareholders of record as of June 14, 2024. prnewswire.com - 11 months ago
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2024 FIRST QUARTER EARNINGS CHARLOTTESVILLE, Va. , April 23, 2024 /PRNewswire/ -- Virginia National Bankshares Corporation (NASDAQ: VABK) (the "Company") today reported quarterly net income of $3.6 million, or $0.68 per diluted share, for the quarter ended March 31, 2024, compared to $3.2 million, or $0.59 per diluted share, recognized for the quarter ended December 31, 2023 and $5.8 million, or $1.08 per diluted share, recognized for the quarter ended March 31, 2023. prnewswire.com - 1 year ago
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES QUARTERLY CASH DIVIDEND CHARLOTTESVILLE, Va. , Feb. 29, 2024 /PRNewswire/ -- Virginia National Bankshares Corporation (the "Company") (NASDAQ: VABK) announced today that on February 28, 2024 its Board of Directors declared a quarterly cash dividend of $0.33 per share to be paid on March 28, 2024 to shareholders of record as of March 14, 2024. prnewswire.com - 1 year ago
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2023 FOURTH QUARTER AND FULL YEAR EARNINGS CHARLOTTESVILLE, Va. , Jan. 26, 2024 /PRNewswire/ -- Virginia National Bankshares Corporation (NASDAQ: VABK) (the "Company") today reported quarterly net income of $3.2 million, or $0.59 per diluted share, for the quarter ended December 31, 2023, compared to $7.1 million, or $1.32 per diluted share, recognized for the quarter ended December 31, 2022. prnewswire.com - 1 year ago
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES QUARTERLY CASH DIVIDEND CHARLOTTESVILLE, Va. , Nov. 20, 2023 /PRNewswire/ -- Virginia National Bankshares Corporation (the "Company") (NASDAQ: VABK) announced today that on November 17, 2023 its Board of Directors declared a quarterly cash dividend of $0.33 per share to be paid on December 22, 2023 to shareholders of record as of December 8, 2023. prnewswire.com - 1 year ago
VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES THIRD QUARTER 2023 EARNINGS CHARLOTTESVILLE, Va. , Oct. 20, 2023 /PRNewswire/ -- Virginia National Bankshares Corporation (NASDAQ: VABK) (the "Company") today reported quarterly net income of $4.7 million, or $0.86 per diluted share, for the quarter ended September 30, 2023, compared to $5.8 million, or $1.08 per diluted share, recognized for the quarter ended September 30, 2022. prnewswire.com - 1 year ago
8. Profile Summary

Virginia National Bankshares Corporation VABK

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 189 M
Dividend Yield 0.86%
Description Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial banking services. The company operates through four segments: Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. It provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. The company also offers commercial and industrial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. In addition, it provides automated teller machines, internet banking, treasury, and cash management services, as well as merchant and debit card services; and wealth and investment advisory, brokerage, insurance, consulting, and related services. Further, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations. As of December 31, 2021, the company operated sixteen full-service banking facilities in the cities of Charlottesville, Manassas, Richmond, and Winchester, as well as the counties of Albemarle, Fauquier, and Prince William. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia.
Contact 404 People Place, Charlottesville, VA, 22911 https://www.vnb.com
IPO Date May 4, 1999
Employees 137
Officers Ms. Virginia R. Bayes Executive Vice President & Chief Banking Officer Mr. Glenn Wilfred Rust President, Chief Executive Officer & Director Ms. Tara Y. Harrison Chief Financial Officer & Executive Vice President