Virginia National Bankshares (VABK) AI Stock Analysis

• Market Cap: $196.31M
• Dividend Yield: 3.61%
• Average Volume (3M): 4.47K
• Price to Earnings (P/E): 11.6
• Beta (1Y): 0.79
• Revenue Growth: 4.93%
• EPS Growth: -12.19%
• Country: US
• Employees: 147
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 3.15
• Shares Outstanding: 5,370,912
• 10 Day Avg. Volume: 5,541
• 30 Day Avg. Volume: 4,471
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.70
• Price to Cash Flow (P/CF): 3.20
• P/FCF Ratio: 3.20
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Virginia National Bankshares has an overall stock score of 67.4, reflecting a moderate financial position with strengths in its balance sheet and valuation. The company's income and cash flow statements show areas that require improvement, particularly in profitability and cash flow consistency. Technical analysis indicates a mild upward trend, although some indicators suggest caution due to potential overbought conditions. The valuation is attractive, with a reasonable P/E ratio and a decent dividend yield, providing a balanced investment opportunity.

Virginia National Bankshares Business Overview & Revenue Model

Company Description

Virginia National Bankshares Corporation (VABK) is a financial holding company headquartered in Charlottesville, Virginia. It primarily operates through its subsidiary, Virginia National Bank, providing a range of banking and financial services to individuals and businesses. The bank's core offerings include personal and commercial banking services, wealth management, mortgage banking, and trust services. It serves its clients through a network of branches and ATMs located across central and northern Virginia.

How the Company Makes Money

Virginia National Bankshares makes money primarily through the interest income derived from its loan portfolio, which includes personal, commercial, and real estate loans. The company also earns revenue from fees associated with various banking services, such as account maintenance fees, transaction fees, and service charges. In addition, Virginia National Bank generates income from its wealth management and trust services, which include investment advisory fees and asset management fees. The bank's earnings are further supported by its participation in the mortgage banking sector, where it collects origination and servicing fees. Significant factors contributing to its earnings include effective asset-liability management and strategic partnerships that enhance product offerings and expand market reach.

Virginia National Bankshares Financial Statement Overview

Summary

Virginia National Bankshares showcases a robust financial performance with strong profitability and revenue growth. The balance sheet is stable with manageable leverage, though there is room to enhance returns on equity. Cash flow management is generally effective, supporting the company's sustainability. Despite some areas needing attention, the company's overall financial health is promising, indicating a positive trajectory in the banking sector.

Income Statement

Virginia National Bankshares has demonstrated a solid performance with consistent revenue growth over the years. The TTM (Trailing-Twelve-Months) shows a Gross Profit Margin of 90.55% and a Net Profit Margin of 19.38%, indicating strong profitability. However, the EBIT Margin has decreased to 25.83% from previous highs, which is a point of concern. The Revenue Growth Rate from the previous annual report is 41.24%, showcasing positive growth momentum.

Balance Sheet

The balance sheet reflects a stable financial position with a Debt-to-Equity Ratio of 0.37, indicating modest leverage. The Return on Equity (ROE) stands at 9.39% TTM, showing efficiency in generating returns, but there is room for improvement. The Equity Ratio is 10.27%, suggesting a balanced approach to asset financing. The increase in stockholders' equity over time demonstrates potential for long-term growth.

Cash Flow

The cash flow statement reveals a strong Operating Cash Flow to Net Income Ratio of 0.97, indicating effective cash conversion. The Free Cash Flow Growth Rate has been robust, but consistency could be improved. The Free Cash Flow to Net Income Ratio of 0.95 suggests that the company effectively manages its cash reserves, though fluctuations in investing cash flows could pose future challenges.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
80.33M	56.88M	64.40M	55.45M	30.44M	27.48M
	Gross Profit
72.73M	56.88M	64.40M	55.45M	30.44M	27.48M
	EBIT
20.75M	23.27M	31.73M	11.92M	10.04M	8.22M
	EBITDA
16.46M	28.04M	33.63M	0.00	12.00M	9.41M
	Net Income Common Stockholders
15.57M	19.26M	23.44M	10.07M	7.98M	6.69M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
72.28M	28.39M	578.28M	660.19M	182.20M	128.95M
	Total Assets
635.80M	1.65B	1.62B	1.97B	848.41M	703.28M
	Total Debt
0.00	76.46M	9.59M	10.47M	30.00M	3.60M
	Net Debt
-10.96M	48.07M	-30.50M	-345.90M	21.88M	-11.30M
	Total Liabilities
563.27M	1.49B	1.49B	1.81B	765.81M	5.96M
	Stockholders Equity
72.53M	153.04M	133.42M	161.93M	82.60M	76.11M
Cash Flow		Free Cash Flow
14.84M	12.73M	22.14M	11.77M	9.05M	9.16M
	Operating Cash Flow
15.14M	13.90M	22.68M	13.06M	9.25M	9.35M
	Investing Cash Flow
-28.93M	-19.77M	-167.20M	262.19M	-129.95M	-54.77M
	Financing Cash Flow
14.57M	-5.88M	-324.19M	198.89M	136.31M	45.63M

Virginia National Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 36.55
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 36.55 is above the 20-day moving average (MA) of 35.84, above the 50-day MA of 35.92, and below the 200-day MA of 37.14, indicating a neutral trend. The MACD of 0.15 indicates Negative momentum. The RSI at 55.98 is Neutral, neither overbought nor oversold. The STOCH value of 62.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for VABK.

Virginia National Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBSI	73 Outperform	$878.26M	9.92	11.16%	4.98%	15.33%	3.68%
OPOF	73 Outperform	$152.03M	15.95	8.61%	1.87%	6.90%	21.84%
CFFI	68 Neutral	$225.79M	11.59	8.95%	2.45%	10.65%	-12.80%
VABK	67 Neutral	$196.31M	11.60	10.83%	3.61%	4.93%	-12.19%
Sector *	64 Neutral	$14.24B	10.27	8.97%	4.33%	16.38%	-11.94%
NKSH	59 Neutral	$172.26M	21.89	5.13%	5.58%	16.02%	-54.07%
FFNW	55 Neutral	$209.20M	195.60	0.66%	2.29%	2.28%	-83.17%