VABK Statistics

Total Valuation

VABK has a market cap or net worth of $207.65 million. The enterprise value is $206.62 million.

Market Cap	207.65M
Enterprise Value	206.62M

Important Dates

The next estimated earnings date is Friday, July 18, 2025, after market close.

Earnings Date	Jul 18, 2025
Ex-Dividend Date	May 15, 2025

Share Statistics

VABK has 5.39 million shares outstanding. The number of shares has increased by 0.44% in one year.

Current Share Class	5.39M
Shares Outstanding	5.39M
Shares Change (YoY)	+0.44%
Shares Change (QoQ)	-0.08%
Owned by Insiders (%)	12.58%
Owned by Institutions (%)	43.69%
Float	4.71M

Valuation Ratios

The trailing PE ratio is 11.67.

PE Ratio	11.67
Forward PE	n/a
PS Ratio	3.77
Forward PS	n/a
PB Ratio	1.25
P/TBV Ratio	1.34
P/FCF Ratio	15.67
P/OCF Ratio	14.61
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	11.60
EV / Sales	3.76
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	15.59

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.15
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.15%.

Return on Equity (ROE)	11.15%
Return on Assets (ROA)	1.09%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$376,390
Profits Per Employee	$121,979
Employee Count	146
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, VABK has paid $4.16 million in taxes.

Income Tax	4.16M
Effective Tax Rate	18.95%

Stock Price Statistics

The stock price has increased by +18.27% in the last 52 weeks. The beta is 0.53, so VABK's price volatility has been lower than the market average.

Beta (5Y)	0.53
52-Week Price Change	+18.27%
50-Day Moving Average	37.06
200-Day Moving Average	38.11
Relative Strength Index (RSI)	59.79
Average Volume (20 Days)	5,002

Short Selling Information

The latest short interest is 19,095, so 0.35% of the outstanding shares have been sold short.

Short Interest	19,095
Short Previous Month	17,449
Short % of Shares Out	0.35%
Short % of Float	0.41%
Short Ratio (days to cover)	5.35

Income Statement

In the last 12 months, VABK had revenue of $54.95 million and earned $17.81 million in profits. Earnings per share was $3.30.

Revenue	54.95M
Gross Profit	54.95M
Operating Income	23.35M
Pretax Income	20.51M
Net Income	17.81M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.30

Full Income Statement

Balance Sheet

The company has $29.57 million in cash and $28.54 million in debt, giving a net cash position of $1.03 million or $0.19 per share.

Cash & Cash Equivalents	29.57M
Total Debt	28.54M
Net Cash	1.03M
Net Cash Per Share	$0.19
Equity (Book Value)	166.78M
Book Value Per Share	30.93
Working Capital	-1.42B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $14.21 million and capital expenditures -$961,000, giving a free cash flow of $13.25 million.

Operating Cash Flow	14.21M
Capital Expenditures	-961,000
Free Cash Flow	13.25M
FCF Per Share	$2.46

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	42.49%
Pretax Margin	39.98%
Profit Margin	32.41%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	24.11%

Dividends & Yields

This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 3.88%.

Dividend Per Share	$1.44
Dividend Yield	3.88%
Dividend Growth (YoY)	2.27%
Years of Dividend Growth	n/a
Payout Ratio	40.91%
Buyback Yield	-0.44%
Shareholder Yield	3.30%
Earnings Yield	8.58%
FCF Yield	6.38%

Dividend Details

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	3