Virginia National Bankshares AI Stock Analysis
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Virginia National Bankshares (VABK) AI Stock Analysis
Virginia National Bankshares
(NASDAQ:VABK)
The overall score of 74 reflects a conservatively managed regional bank with strong fundamentals and shareholder-friendly capital actions. The primary strengths are a fortress-like balance sheet and positive corporate events, including dividend increases and a new buyback program. Attractive valuation and a solid technical uptrend provide additional support. The main factor preventing a higher score is the deceleration in free cash flow growth, which warrants monitoring.
Virginia National Bankshares (VABK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $290.98M
- Dividend Yield
- 2.69%
- Average Volume (3M)
- 11.30K
- Price to Earnings (P/E)
- 10.9
- Beta (1Y)
- 0.58
- Revenue Growth
- 7.74%
- EPS Growth
- 49.05%
- Country
- US
- Employees
- 144
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 segme...
Virginia National Bankshares Financial Statement Overview
Summary
Financial performance is solid, driven by a strong balance sheet (Score: 78) with very low leverage and improving ROE. The income statement shows positive revenue and margin trends (Score: 72), while cash flow confirms high earnings quality, though free cash flow growth has decelerated (Score: 65). Overall, the bank is conservatively managed with steady operational improvement.
Income Statement
72PositiveBalance Sheet
78PositiveCash Flow
65Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 89.51M | 83.34M | 82.61M | 79.09M | 69.99M | 58.74M |
| Gross Profit | 65.67M | 57.47M | 53.66M | 57.34M | 66.70M | 54.44M |
| EBITDA | 37.08M | 28.07M | 25.16M | 28.04M | 33.63M | 16.32M |
| Net Income | 26.78M | 19.26M | 16.97M | 19.26M | 23.44M | 10.07M |
Balance Sheet | ||||||
| Total Assets | 1.63B | 1.65B | 1.62B | 1.65B | 1.62B | 1.97B |
| Cash, Cash Equivalents and Short-Term Investments | 5.76M | 60.06M | 280.64M | 448.99M | 578.28M | 660.19M |
| Total Debt | 33.95M | 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 | 190.02M | 184.16M | 160.30M | 153.04M | 133.42M | 161.99M |
Cash Flow | ||||||
| Free Cash Flow | 16.61M | 20.75M | 14.56M | 12.73M | 22.14M | 11.77M |
| Operating Cash Flow | 17.27M | 21.33M | 15.29M | 13.90M | 22.68M | 13.06M |
| Investing Cash Flow | 28.48M | 31.80M | 15.75M | -19.77M | -167.20M | 262.19M |
| Financing Cash Flow | 8.50M | 381.00K | -42.33M | -5.88M | -324.19M | 198.89M |
Virginia National Bankshares Technical Analysis
Price Trends
Market Momentum
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 53.61 is above the 20-day moving average (MA) of 51.21, above the 50-day MA of 49.32, and above the 200-day MA of 44.01, indicating a bullish trend. The MACD of 1.26 indicates Negative momentum. The RSI at 64.14 is Neutral, neither overbought nor oversold. The STOCH value of 71.32 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.
Latest Risks Added
1 New RiskVirginia National Bankshares Peers Comparison
Overall Rating
FRAF79Outperform
EFSI76Outperform
LCNB75Outperform- VABK74Outperform
FXNC71Outperform
OPBK70Outperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FRAF | 79Outperform | $315.86M | 11.27 | 15.56% | 1.93% | 7.25% | 76.40% |
| EFSI | 76Outperform | $248.41M | 13.94 | 9.27% | 2.70% | 17.02% | 47.37% |
| LCNB | 75Outperform | $280.25M | 11.17 | 8.95% | 4.48% | -1.78% | 5.15% |
| VABK | 74Outperform | $289.38M | 10.85 | 14.18% | 2.69% | 7.74% | 49.05% |
| FXNC | 71Outperform | $273.98M | 11.88 | 12.06% | 2.24% | 0.88% | 103.52% |
| OPBK | 70Outperform | $222.05M | 7.44 | 12.79% | 3.59% | 7.48% | 28.18% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| VABK | Virginia National Bankshares Corporation | 53.61 | 14.61 | 37.47% | |
| LCNB | Lcnb Corporation | 19.66 | 4.87 | 32.94% | |
| OPBK | Op Bancorp | 15.03 | 2.18 | 16.97% | |
| FXNC | First National Corp | 30.30 | 6.79 | 28.88% | |
| FRAF | Franklin Financial Services | 69.88 | 22.20 | 46.55% | |
| EFSI | Eagle Financial Services | 46.00 | 11.09 | 31.78% |
Virginia National Bankshares Corporate Events
Virginia National Bankshares Declares Stock and Cash Dividends
PositiveOn November 9, 2026, the Board declared an 8% stock dividend to be paid on November 30, 2026, to shareholders of record on November 20, with cash in lieu of fractional shares. It also declared a quarterly cash dividend of $0.38 per share, an increase...
Virginia National Bankshares Launches New Share Repurchase Program
PositiveOn 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 val...
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.
Date of analysis: Nov 10, 2026