Virginia National Bankshares Corporation (VABK)

NCM – Real Time Price. Currency in USD

47.75

+0.69 (1.47%)

Market open: Aug 12, 2026, 9:30 AM EDT

47.06

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 47.75$
Day's range: 47.75 - 47.75$
52-week range: 37.31 - 50$
Volume: 297
Average volume: 5 881
Beta: 0.7
EPS (TTM): 4.59
PE ratio (TTM): 10.47
Forward P/E: N/A
Market cap: 258 925 004
Shares outstanding: 5 422 513
Dividend yield: $3.06 (3.06%)
Next earnings date: N/A
Sector: Financials
Industry: Banks - Regional

About the company

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking products and services in Virginia. It operates through two segments: Bank and VNB Trust and Estate Services. The company provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement a... read more

CEO: Glenn Rust
Country: United States
IPO Date
Employees: 148
Fiscal Year End: January - December
Website: https://www.vnb.com

Revenue Breakdown

Bank / 98.19%

Virginia National Bank Trust & Estate Services / 1.81%

News

No Data

There are no news for this stock.

Chart: VABK

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Overall Score

4.1 / 1041%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $29.1M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.1) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.12	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.15	0.05	9.0
Debt to Assets	0.02	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	70M	79M	83M	83M	88M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	28M	23M	20M	24M	31M
Net Income	23M	19M	17M	19M	25M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	57.03	0.44	10
Net margin %	45.54	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.26	1.46	3.0
ROE	11.63	14.94	7.0
ROIC	9.79	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	N/A	1.0
Next quarter	N/A	N/A	1.0
Current year	N/A	N/A	1.0
Next year	N/A	N/A	1.0
Weighted average score			1.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	25.36	71.29	N/A	14.2	7.3
Y/Y	24.86	112.55	N/A	283.91	7.8
3y average	6.11	-5.38	N/A	4.8	2.8
5y average	22.26	28.56	N/A	26.5	7.8
Weighted average score					6.4

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	10.28	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	4.32	3.37	3.6
P/B	1.31	1.53	6.0
Weighted average score			4.4

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR22.26%

FCF 5 year CAGR4

Fair value126.77$

Stock price47.75$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.46	3.46	8.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	1.00	1.00	2.0
Weighted average score			5.0

Fair Value

$126.77

UndervaluedStock priceOvervalued

$47.75

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Glenn Rust

Country

United States

IPO Date

Employees

148

Fiscal Year End

January - December

Website

https://www.vnb.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.12

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.15

0.05

9.0

Debt to Assets

0.02

0.09

9.0

Interest coverage

N/A

Weighted average score

6.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

70M

79M

83M

88M

Gross Profit

N/A

Operating Income

28M

23M

20M

24M

31M

Net Income

23M

19M

17M

19M

25M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

57.03

0.44

Net margin %

45.54

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.26

1.46

3.0

ROE

11.63

14.94

7.0

ROIC

9.79

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

1.0

Next quarter

N/A

1.0

Current year

N/A

1.0

Next year

N/A

1.0

Weighted average score

1.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

25.36

71.29

N/A

14.2

7.3

Y/Y

24.86

112.55

N/A

283.91

7.8

3y average

6.11

-5.38

N/A

4.8

2.8

5y average

22.26

28.56

N/A

26.5

7.8

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

10.28

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

4.32

3.37

3.6

P/B

1.31

1.53

6.0

Weighted average score

4.4

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.46

8.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

1.00

2.0

Weighted average score

5.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Virginia National Bankshares Corporation (VABK)

Stock details

About the company

Revenue Breakdown

News

Chart: VABK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$126.77

$47.75

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: VABK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$126.77

$47.75

Economic Moat