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Virginia National Bankshares
(NASDAQ:VABK)
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Rating:77Outperform
Price Target:
$55.00
â–²(17.10% Upside)
Action:Reiterated
Date:10/09/26
The score is driven primarily by strong financial performance (solid profitability and conservative leverage) and supportive valuation (low P/E with a ~3% dividend yield). Technicals add a moderate tailwind with price above key moving averages and neutral-to-positive momentum. Positive corporate actions (buyback authorization and dividend) further support the outlook, while cash flow softness and historical earnings volatility temper the score.
Positive Factors
Strong profitability and renewed growth
Strong profitability combined with renewed revenue growth indicates that the bank is converting its relationship-based franchise into improving earnings power. If maintained, this performance can support capital retention, lending growth, and continued investment while strengthening resilience through the next several quarters.
Negative Factors
Recent free cash flow pressure
The recent decline in free cash flow creates a meaningful counterweight to stronger reported earnings. Although cash generation remains positive and broadly tracks net income, continued weakness could reduce internally available funds for loan growth, capital returns, or investment in the franchise.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and renewed growth
Strong profitability combined with renewed revenue growth indicates that the bank is converting its relationship-based franchise into improving earnings power. If maintained, this performance can support capital retention, lending growth, and continued investment while strengthening resilience through the next several quarters.
Read all positive factors
Virginia National Bankshares (VABK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$269.58M
Dividend Yield2.9%
Average Volume (3M)10.59K
Price to Earnings (P/E)10.8
Beta (1Y)0.67
Revenue Growth5.91%
EPS Growth37.89%
CountryUS
Employees144
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.58
Shares Outstanding5,425,282
10 Day Avg. Volume14,261
30 Day Avg. Volume10,588
Financial Highlights & Ratios
PEG Ratio0.84
Price to Book (P/B)1.17
Price to Sales (P/S)2.58
P/FCF Ratio10.35
Enterprise Value/Market Cap0.87
Enterprise Value/Revenue2.67
Enterprise Value/Gross Profit3.71
Enterprise Value/Ebitda6.82
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Virginia National Bankshares Business Overview & Revenue Model
Company Description
Virginia National Bankshares Corporation operates as the parent entity for Virginia National Bank, delivering a comprehensive suite of commercial banking solutions. Its operations are structured into four distinct divisions: the primary banking se...
Virginia National Bankshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 88.02M | 83.34M | 82.61M | 79.09M | 69.99M | 58.74M |
| Gross Profit | 63.43M | 57.47M | 53.66M | 57.34M | 66.70M | 54.44M |
| EBITDA | 34.52M | 28.07M | 25.16M | 28.04M | 33.63M | 16.32M |
| Net Income | 24.80M | 19.26M | 16.97M | 19.26M | 23.44M | 10.07M |
Balance Sheet | ||||||
| Total Assets | 1.64B | 1.65B | 1.62B | 1.65B | 1.62B | 1.97B |
| Cash, Cash Equivalents and Short-Term Investments | 35.70M | 60.06M | 280.64M | 448.99M | 578.28M | 660.19M |
| Total Debt | 29.05M | 29.75M | 29.13M | 79.92M | 9.59M | 10.47M |
| Total Liabilities | 1.44B | 1.47B | 1.46B | 1.49B | 1.49B | 1.81B |
| Stockholders Equity | 194.69M | 184.16M | 160.30M | 153.04M | 133.42M | 161.99M |
Cash Flow | ||||||
| Free Cash Flow | 23.17M | 20.75M | 14.56M | 12.73M | 22.14M | 11.77M |
| Operating Cash Flow | 23.25M | 21.33M | 15.29M | 13.90M | 22.68M | 13.06M |
| Investing Cash Flow | 44.19M | 31.80M | 15.75M | -19.77M | -167.20M | 262.19M |
| Financing Cash Flow | -28.62M | 381.00K | -42.33M | -5.88M | -324.19M | 198.89M |
Virginia National Bankshares Technical Analysis
Positive
46.97
Price Trends
47.93
Positive
46.35
Positive
43.18
Positive
Market Momentum
0.61
Positive
54.90
Neutral
41.01
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For VABK, the sentiment is Positive. The current price of 46.97 is below the 20-day moving average (MA) of 49.06, below the 50-day MA of 47.93, and above the 200-day MA of 43.18, indicating a bullish trend. The MACD of 0.61 indicates Positive momentum. The RSI at 54.90 is Neutral, neither overbought nor oversold. The STOCH value of 41.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for VABK.
Virginia National Bankshares Risk Analysis
Virginia National Bankshares disclosed 36 risk factors in its most recent earnings report. Virginia National Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Virginia National Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $269.58M | 10.85 | 13.36% | 2.90% | 5.91% | 37.89% | |
74 Outperform | $281.39M | 11.21 | 8.95% | 4.46% | -1.78% | 5.34% | |
71 Outperform | $271.10M | 11.80 | 12.06% | 2.27% | 0.88% | 103.52% | |
71 Outperform | $254.04M | 14.22 | 9.27% | 2.68% | 17.02% | 47.37% | |
70 Outperform | $286.31M | 11.57 | 14.00% | 2.11% | 10.02% | 67.97% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $219.81M | 7.29 | 12.79% | 3.60% | 7.57% | 28.18% |
* Financial Sector Average
VABK
Virginia National Bankshares
49.69
11.42
29.83%
LCNB
LCNB
19.73
5.23
36.03%
OPBK
OP Bancorp
14.72
1.52
11.52%
FXNC
First National
29.98
7.83
35.33%
FRAF
Franklin Financial Services
63.63
18.30
40.36%
EFSI
Eagle Financial Services
46.93
10.78
29.81%
Virginia National Bankshares Corporate Events
Business Operations and StrategyStock Buyback
Virginia National Bankshares Launches New Share Repurchase Program
Positive
Oct 8, 2026
On October 6, 2026, Virginia National Bankshares Corporation announced a new share repurchase plan authorizing buybacks of up to $18.7 million of its common stock through October 5, 2027, signaling confidence in its capital position and long-term ...
Business Operations and StrategyDividendsFinancial Disclosures
Virginia National Bankshares Boosts Earnings and Declares Dividend
Positive
Jul 23, 2026
Virginia National Bankshares Corporation reported that for the quarter ended June 30, 2026, net income more than doubled to $9.0 million, or $1.65 per diluted share, compared with the same period in 2025, driven by lower funding costs, reduced non...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.