Virginia National Bankshares Corporation (VABK)

VABK Statistics

Total Valuation

VABK has a market cap or net worth of $228.67 million. The enterprise value is $245.66 million.

Market Cap	228.67M
Enterprise Value	245.66M

Important Dates

The next estimated earnings date is Thursday, January 22, 2026, after market close.

Earnings Date	Jan 22, 2026
Ex-Dividend Date	Nov 14, 2025

Share Statistics

VABK has 5.39 million shares outstanding. The number of shares has increased by 0.66% in one year.

Current Share Class	5.39M
Shares Outstanding	5.39M
Shares Change (YoY)	+0.66%
Shares Change (QoQ)	+0.12%
Owned by Insiders (%)	12.58%
Owned by Institutions (%)	47.44%
Float	4.71M

Valuation Ratios

The trailing PE ratio is 12.85.

PE Ratio	12.85
Forward PE	n/a
PS Ratio	4.04
Forward PS	n/a
PB Ratio	1.29
P/TBV Ratio	1.37
P/FCF Ratio	12.87
P/OCF Ratio	12.59
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	13.75
EV / Sales	4.35
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	13.83

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.26
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.41%.

Return on Equity (ROE)	10.41%
Return on Assets (ROA)	1.11%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$387,068
Profits Per Employee	$122,356
Employee Count	146
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, VABK has paid $4.48 million in taxes.

Income Tax	4.48M
Effective Tax Rate	20.06%

Stock Price Statistics

The stock price has increased by +9.79% in the last 52 weeks. The beta is 0.42, so VABK's price volatility has been lower than the market average.

Beta (5Y)	0.42
52-Week Price Change	+9.79%
50-Day Moving Average	40.09
200-Day Moving Average	38.21
Relative Strength Index (RSI)	57.25
Average Volume (20 Days)	10,207

Short Selling Information

The latest short interest is 25,092, so 0.47% of the outstanding shares have been sold short.

Short Interest	25,092
Short Previous Month	26,195
Short % of Shares Out	0.47%
Short % of Float	0.53%
Short Ratio (days to cover)	2.58

Income Statement

In the last 12 months, VABK had revenue of $56.51 million and earned $17.86 million in profits. Earnings per share was $3.30.

Revenue	56.51M
Gross Profit	56.51M
Operating Income	23.72M
Pretax Income	22.35M
Net Income	17.86M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.30

Balance Sheet

The company has $23.10 million in cash and $40.08 million in debt, giving a net cash position of -$16.99 million or -$3.15 per share.

Cash & Cash Equivalents	23.10M
Total Debt	40.08M
Net Cash	-16.99M
Net Cash Per Share	-$3.15
Equity (Book Value)	177.36M
Book Value Per Share	32.89
Working Capital	-1.39B

Cash Flow

In the last 12 months, operating cash flow was $18.17 million and capital expenditures -$401,000, giving a free cash flow of $17.77 million.

Operating Cash Flow	18.17M
Capital Expenditures	-401,000
Free Cash Flow	17.77M
FCF Per Share	$3.29

Margins

Gross Margin	n/a
Operating Margin	41.98%
Pretax Margin	39.54%
Profit Margin	31.61%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	31.44%

Dividends & Yields

This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 3.26%.

Dividend Per Share	$1.44
Dividend Yield	3.26%
Dividend Growth (YoY)	6.82%
Years of Dividend Growth	n/a
Payout Ratio	42.73%
Buyback Yield	-0.66%
Shareholder Yield	2.72%
Earnings Yield	7.81%
FCF Yield	7.77%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 25, 2019. It was a forward split with a ratio of 1.05:1.

Last Split Date	Jun 25, 2019
Split Type	Forward
Split Ratio	1.05:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4