Stock Scorecard
Stock Summary for Virginia National Bankshares Corp (VABK) - $39.49 as of 9/18/2025 12:36:49 PM EST
Total Score
13 out of 30
Safety Score
56 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for VABK
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for VABK
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for VABK
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for VABK
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for VABK (56 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for VABK
Financial Details for VABK
Company Overview |
|
|---|---|
| Ticker | VABK |
| Company Name | Virginia National Bankshares Corp |
| Country | USA |
| Description | Virginia National Bankshares Corporation (VABK) is the parent company of Virginia National Bank, located in Charlottesville, Virginia. The institution offers a comprehensive suite of commercial banking services, including lending, deposit accounts, and wealth management solutions, tailored to meet the needs of both individuals and businesses. With a focus on enhancing community banking in its regional markets, VABK aims to foster long-term relationships and drive economic growth in its service areas. As a locally oriented bank, it emphasizes personalized customer service while leveraging modern banking technologies to enhance operational efficiency and customer engagement. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 10/15/2025 |
Stock Price History |
|
| Last Day Price | 39.49 |
| Price 4 Years Ago | 32.95 |
| Last Day Price Updated | 9/18/2025 12:36:49 PM EST |
| Last Day Volume | 27,564 |
| Average Daily Volume | 34,764 |
| 52-Week High | 44.57 |
| 52-Week Low | 32.74 |
| Last Price to 52 Week Low | 20.62% |
Valuation Measures |
|
| Trailing PE | 11.93 |
| Industry PE | 17.00 |
| Sector PE | 24.71 |
| 5-Year Average PE | 13.28 |
| Free Cash Flow Ratio | 35.58 |
| Industry Free Cash Flow Ratio | 6.50 |
| Sector Free Cash Flow Ratio | 41.43 |
| Current Ratio Most Recent Quarter | 0.00 |
| Total Cash Per Share | 1.11 |
| Book Value Per Share Most Recent Quarter | 31.67 |
| Price to Book Ratio | 1.25 |
| Industry Price to Book Ratio | 1.14 |
| Sector Price to Book Ratio | 2.31 |
| Price to Sales Ratio Twelve Trailing Months | 3.80 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.13 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 5,392,000 |
| Market Capitalization | 212,930,080 |
| Institutional Ownership | 44.42% |
Dividends |
|
| Ex-Dividend Date | 8/15/2025 |
| Previous Dividend Amount | 0.3600 |
| Current Dividend Amount | 0.3600 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.38 |
| Trailing Annual Dividend Yield | 3.36% |
| Forward Annual Dividend Rate | 1.44 |
| Forward Annual Dividend Yield | 3.51% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 3.55% |
| 5-Year Average Dividend Yield | 3.73% |
| 1-Year Dividend Growth Rate Percentage | 9.09% |
| 3-Year Dividend Growth Rate Percentage | 4.45% |
| 5-Year Dividend Growth Rate Percentage | 4.66% |
| All-Time Dividend Growth Rate Percentage | 18.13% |
| Dividend Payout Ratio | 41.69% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 1.30% |
| Annual Earnings Growth | -11.92% |
| Reported EPS 12 Trailing Months | 3.31 |
| Reported EPS Past Year | 1.61 |
| Reported EPS Prior Year | 3.15 |
| Net Income Twelve Trailing Months | 17,888,000 |
| Net Income Past Year | 16,966,000 |
| Net Income Prior Year | 19,263,000 |
| Quarterly Revenue Growth YOY | 6.80% |
| 5-Year Revenue Growth | 21.22% |
| Operating Margin Twelve Trailing Months | 41.50% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 5,999,000 |
| Total Cash Past Year | 17,103,000 |
| Total Cash Prior Year | 28,390,000 |
| Net Cash Position Most Recent Quarter | -58,531,000 |
| Net Cash Position Past Year | -6,403,000 |
| Long Term Debt Past Year | 23,506,000 |
| Long Term Debt Prior Year | 69,959,000 |
| Total Debt Most Recent Quarter | 64,530,000 |
| Equity to Debt Ratio Past Year | 0.87 |
| Equity to Debt Ratio Most Recent Quarter | 0.73 |
| Total Stockholder Equity Past Year | 160,302,000 |
| Total Stockholder Equity Prior Year | 153,040,000 |
| Total Stockholder Equity Most Recent Quarter | 170,772,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 26,780,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 4.97 |
| Free Cash Flow Past Year | 14,557,000 |
| Free Cash Flow Prior Year | 12,733,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.51 |
| MACD Signal | 0.69 |
| 20-Day Bollinger Lower Band | 33.97 |
| 20-Day Bollinger Middle Band | 37.85 |
| 20-Day Bollinger Upper Band | 41.74 |
| Beta | 0.55 |
| RSI | 48.95 |
| 50-Day SMA | 33.24 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 32.35 |
System |
|
| Modified | 9/18/2025 12:37:36 PM EST |