Stock Scorecard
Stock Summary for Virginia National Bankshares Corp (VABK) - $36.82 as of 5/10/2025 12:48:28 PM EST
Total Score
12 out of 30
Safety Score
53 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for VABK
| Positive 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 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 (53 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 7 |
| 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) | 0 |
| 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 is the holding company of Virginia National Bank providing a range of commercial banking services. The company is headquartered in Charlottesville, Virginia. |
| Sector Name | FINANCE |
| Industry Name | NATIONAL COMMERCIAL BANKS |
| Most Recent Quarter | 3/31/2025 |
| Next Earnings Date | 7/17/2025 |
Stock Price History |
|
| Last Day Price | 36.82 |
| Price 4 Years Ago | 33.57 |
| Last Day Price Updated | 5/10/2025 12:48:28 PM EST |
| Last Day Volume | 3,541 |
| Average Daily Volume | 5,001 |
| 52-Week High | 43.25 |
| 52-Week Low | 27.68 |
| Last Price to 52 Week Low | 33.02% |
Valuation Measures |
|
| Trailing PE | 11.16 |
| Industry PE | 14.17 |
| Sector PE | 18.76 |
| 5-Year Average PE | 8.89 |
| Free Cash Flow Ratio | 37.57 |
| Industry Free Cash Flow Ratio | 10.27 |
| Sector Free Cash Flow Ratio | 25.77 |
| Current Ratio Most Recent Quarter | 1.38 |
| Total Cash Per Share | 0.98 |
| Book Value Per Share Most Recent Quarter | 30.93 |
| Price to Book Ratio | 1.19 |
| Industry Price to Book Ratio | 0.98 |
| Sector Price to Book Ratio | 2.07 |
| Price to Sales Ratio Twelve Trailing Months | 3.60 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.84 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 5,392,000 |
| Market Capitalization | 198,533,440 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 5/15/2025 |
| Previous Dividend Amount | 0.3300 |
| Current Dividend Amount | 0.3600 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.32 |
| Trailing Annual Dividend Yield | 3.59% |
| Forward Annual Dividend Rate | 1.44 |
| Forward Annual Dividend Yield | 3.91% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 3.49% |
| 5-Year Average Dividend Yield | 3.66% |
| 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 | 40.00% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 22.20% |
| Annual Earnings Growth | -11.92% |
| Reported EPS 12 Trailing Months | 3.30 |
| Reported EPS Past Year | 0.00 |
| Reported EPS Prior Year | 3.15 |
| Net Income Twelve Trailing Months | 17,809,000 |
| Net Income Past Year | 16,966,000 |
| Net Income Prior Year | 19,263,000 |
| Quarterly Revenue Growth YOY | 11.40% |
| 5-Year Revenue Growth | 14.07% |
| Operating Margin Twelve Trailing Months | 42.70% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 5,311,000 |
| Total Cash Past Year | 5,311,000 |
| Total Cash Prior Year | 28,390,000 |
| Net Cash Position Most Recent Quarter | -18,195,000 |
| Net Cash Position Past Year | -18,195,000 |
| Long Term Debt Past Year | 23,506,000 |
| Long Term Debt Prior Year | 69,959,000 |
| Total Debt Most Recent Quarter | 23,506,000 |
| Equity to Debt Ratio Past Year | 0.87 |
| Equity to Debt Ratio Most Recent Quarter | 0.88 |
| Total Stockholder Equity Past Year | 160,302,000 |
| Total Stockholder Equity Prior Year | 153,040,000 |
| Total Stockholder Equity Most Recent Quarter | 166,781,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 14,339,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.66 |
| 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 | 0.26 |
| MACD Signal | 0.12 |
| 20-Day Bollinger Lower Band | 33.90 |
| 20-Day Bollinger Middle Band | 35.83 |
| 20-Day Bollinger Upper Band | 37.76 |
| Beta | 0.53 |
| RSI | 55.48 |
| 50-Day SMA | 32.65 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 32.32 |
System |
|
| Modified | 5/10/2025 12:48:30 PM EST |