Virginia National Bankshares Corporation (VABK)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 30 | 55 | 67 | 58 | 53 | 58 | 64 | - |
| Operating profit | $m | 24 | 31 | ||||||
| Net profit | $m | 8 | 10 | 23 | 19 | 17 | 19 | 25 | - |
| EPS reported | $ | 3.55 | 4.56 | ||||||
| Operating cashflow per share | $ | 3.96 | 4.88 | ||||||
| Capex per share | $ | 0.11 | 0.06 | ||||||
| FCF per share | $ | 3.85 | 4.83 | ||||||
| Free cash flow | $m | 21 | 23 | ||||||
| Net debt | $m | -37 | -7 | ||||||
| Book value equity | $m | 184 | 195 | ||||||
| Book value per share | $ | 33.99 | 35.69 | ||||||
| Number of shares | m | 5.42 | 5.46 | ||||||
| DPS (TTM paid) | $ | 1.41 | 1.44 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.23 | 10.73 | ||||||
| P/B LTM | x | 1.17 | 1.10 | ||||||
| P/S LTM | x | 3.73 | 3.38 | ||||||
| P/FCF LTM | x | 10.35 | 9.27 | ||||||
| EV/EBITDA LTM | x | 8.50 | 7.53 | ||||||
| EV/Sales LTM | x | 2.86 | 2.81 | ||||||
| Earnings Yield LTM | % | +8.90% | +9.32% | ||||||
| FCF Yield | % | +9.66% | +10.79% | ||||||
| Quality | |||||||||
| ROE | % | +10.46% | +13.36% | ||||||
| ROIC | % | -1.39% | -1.86% | ||||||
| Operating margin | % | +28.90% | +35.31% | ||||||
| Gross margin | % | +68.95% | +72.06% | ||||||
| FCF/Sales | % | +24.90% | +29.74% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +12.70% | +44.76% | ||||||
| Sales Growth YoY | % | +8.56% | +19.90% | ||||||
| Net Income Growth YoY | % | +13.53% | +46.18% | ||||||
| FCF Growth | % | +42.56% | +59.19% | ||||||
| Operating Profit Growth | % | +15.23% | +48.72% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.54% | +3.08% | ||||||
| Dividend Growth | % | +6.82% | +9.09% | ||||||
| Payout Ratio | % | +39.53% | +39.47% | ||||||
| FCF/Debt | x | 0.70 | 0.80 | ||||||
| Net Debt/EBITDA | x | 0.85 | -0.21 | ||||||
| EBIT/Net interest | x | 0.94 | 1.27 | ||||||
| Net debt/market cap | % | +10.97% | +9.29% | ||||||
| Net debt/Equity | x | -0.20 | -0.03 | ||||||
| Gross debt/equity | x | 0.16 | 0.15 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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 segment, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. The institution provides a diverse range of deposit products, including checking accounts, demand deposits, NOW accounts, money market savings, time deposits, certificates of deposit (CDs), and individual retirement accounts (IRAs), among other related savings options. Furthermore, it extends various lending services, such as financing for commercial and industrial ventures, real estate loans for construction and land development, commercial property loans, mortgages for 1-4 family homes, and consumer credit offerings like student loans, revolving lines of credit, and installment loans. Ancillary services include access to automated teller machines (ATMs), online banking platforms, treasury management solutions, cash handling services, and merchant and debit card processing. The company also delivers wealth management, investment advisory, brokerage, insurance, and consulting services. Its specialized offerings extend to investment management, acting as a corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custodial services. Its clientele encompasses private individuals, businesses, and non-profit organizations. As of December 31, 2021, the corporation maintained a network of sixteen full-service banking branches situated in the cities of Charlottesville, Manassas, Richmond, and Winchester, alongside locations in the counties of Albemarle, Fauquier, and Prince William. Established in 1998, Virginia National Bankshares Corporation's main office is located in Charlottesville, Virginia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Virginia National Bankshares Corporation (VABK)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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 segment, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. The institution provides a diverse range of deposit products, including checking accounts, demand deposits, NOW accounts, money market savings, time deposits, certificates of deposit (CDs), and individual retirement accounts (IRAs), among other related savings options. Furthermore, it extends various lending services, such as financing for commercial and industrial ventures, real estate loans for construction and land development, commercial property loans, mortgages for 1-4 family homes, and consumer credit offerings like student loans, revolving lines of credit, and installment loans. Ancillary services include access to automated teller machines (ATMs), online banking platforms, treasury management solutions, cash handling services, and merchant and debit card processing. The company also delivers wealth management, investment advisory, brokerage, insurance, and consulting services. Its specialized offerings extend to investment management, acting as a corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custodial services. Its clientele encompasses private individuals, businesses, and non-profit organizations. As of December 31, 2021, the corporation maintained a network of sixteen full-service banking branches situated in the cities of Charlottesville, Manassas, Richmond, and Winchester, alongside locations in the counties of Albemarle, Fauquier, and Prince William. Established in 1998, Virginia National Bankshares Corporation's main office is located in Charlottesville, Virginia.
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