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VABK stock logo

VABK

Virginia National Bankshares Corporation

$43.7
0.3
 (0.69%)
Exchange:  NASDAQ
Market Cap:  236.964M
Shares Outstanding:  2.708M
Delayed data
Calculate VABK Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Glenn W. Rust
Full Time Employees:  239
Address: 
404 People Place
Charlottesville
VA
22911
US
Website:  https://www.vnb.com
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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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue79,09182,61283,340
Gross Profit57,33653,66157,466
EBITDA28,04225,15524,082
Operating Income23,27320,89924,082
Net Income19,26316,96619,261

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,646,0171,616,8261,649,742
Total Liabilities1,492,9771,456,5241,465,581
Total Stockholders Equity153,040160,302184,161
Total Debt79,92529,13135,938
Cash and Cash Equivalents28,39017,1035,798

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Cash Flow Statement

Year202320242025
Operating Cash Flow13,90415,29021,334
Capital Expenditure-1,171-733-582
Free Cash Flow12,73314,55720,752
Net Income19,26316,96619,261
Net Change in Cash-11,746-11,28753,511

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Analyst Estimates

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Current Key Metrics

?Revenue
 (TTM)
: 
82.612M  ?P/S
 (TTM)
: 
2.76
?Net Income
 (TTM)
: 
16.966M  ?P/E
 (TTM)
: 
11.41
?Enterprise Value
 (TTM)
: 
250.002M  ?EV/FCF
 (TTM)
: 
9.62
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.39
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
-0.01
?Net Debt
 (TTM)
: 
23.82M  ?Debt/Equity
 (TTM)
: 
0.16
?P/B
 (TTM)
: 
1.23  ?Current Ratio
 (TTM)
: 
0.01

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Forward P/E Ratios

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about VABK valuation

Is Virginia National Bankshares Corporation (VABK) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Virginia National Bankshares Corporation (VABK) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is VABK a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether VABK trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is VABK’s P/E ratio?

You can see VABK’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for VABK?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is VABK a good long-term investment?

Whether VABK fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

VABK

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.69
MARKETSnap

Trading Metrics:

Open: 43.81   Previous Close: 43.4
Day Low: 43.3   Day High: 43.81
Year Low: 36.48   Year High: 48.58
Price Avg 50: 41.63   Price Avg 200: 40.42
Volume: 4   Average Volume: 8068

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