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Virginia National Bankshares Corp

Data quality: 83%
VABK
Nasdaq Financial Services Depository Institutions
$39.44
▲ $0.41 (1.05%)
Mkt Cap: 213.85 M
Price
$39.44
Mkt Cap
213.85 M
Day Range
$38.70 — $39.44
52-Week Range
$34.56 — $44.57
Volume
2,886
Open $38.70
50D / 200D Avg
$39.74
0.74% below
50D / 200D Avg
$39.43
0.03% above

Quick Summary

Key Takeaways

ROE of 11.07% — decent returns on equity
Debt/Equity of 0.17 — conservative balance sheet
Generating 20.75 M in free cash flow
P/E of 11.10 — trading at a low valuation
PEG of 0.63 suggests growth is underpriced
Cash machine — converts 107.74% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)13.53%
FCF Growth (3Y)27.66%

Quality

Return on Equity
11.07%
Above sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
0.17
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
11.10
Below sector avg (11.15)
P/B Ratio1.21
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2144 peers)
Metric Stock Sector Median
P/E 11.1 11.1
P/B 1.2 1.2
ROE % 11.1 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E 0.2 0.5

ETFs Holding This Stock

GSSC logo GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
0.04% weight
DHS logo DHS WisdomTree U.S. High Dividend Fund
0.01% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.00% weight
AVUV logo AVUV Avantis U.S. Small Cap Value ETF
0.00% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 13.53% Earnings Growth (3Y) -0.01%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 17.60%
Profitability
Revenue (TTM) N/A Net Income (TTM) 19.26 M
ROE 11.07% ROA 1.19%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 20.75 M
ROIC N/A FCF Growth (3Y) 27.66%
Safety
Debt / Equity 0.17 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 169.59 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 11.10 Forward P/E N/A
P/B Ratio 1.21 P/S Ratio N/A
PEG Ratio 0.63 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 9.70%
Market Cap 213.85 M Enterprise Value 243.85 M
Per Share
EPS (Diluted TTM) 3.55 Revenue / Share N/A
FCF / Share 3.83 OCF / Share 3.93
EPS CAGR (1Y) 12.70% EPS CAGR (5Y) 13.49%
EPS CAGR (10Y) 4.40%
Efficiency
CapEx / Revenue N/A FCF Conversion 107.74%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 19.26 M 16.97 M 19.26 M 23.44 M 10.07 M
EPS (Diluted) 3.55 3.15 3.58 4.38 2.14
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 1.30 M 1.50 M 1.50 M 1.60 M 2.90 M
Interest Expense 51.51 M 46.38 M 21.02 M 3.18 M 3.28 M
Income Tax 4.82 M 3.93 M 4.01 M 5.11 M 1.85 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1.65 B 1.62 B 1.65 B 1.62 B 1.97 B
Total Liabilities 1.47 B 1.46 B 1.49 B 1.49 B 1.81 B
Shareholders' Equity 184.16 M 160.30 M 153.04 M 133.42 M 161.99 M
Total Debt 20.00 M 20.00 M 66.50 M — —
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —