Virginia National Bankshares Corporation (VABK)

VABK Statistics

Total Valuation

VABK has a market cap or net worth of $221.29 million. The enterprise value is $254.24 million.

Market Cap	221.29M
Enterprise Value	254.24M

Important Dates

The next estimated earnings date is Thursday, October 16, 2025, before market open.

Earnings Date	Oct 16, 2025
Ex-Dividend Date	Aug 15, 2025

Share Statistics

VABK has 5.39 million shares outstanding. The number of shares has increased by 0.54% in one year.

Current Share Class	5.39M
Shares Outstanding	5.39M
Shares Change (YoY)	+0.54%
Shares Change (QoQ)	+0.28%
Owned by Insiders (%)	12.58%
Owned by Institutions (%)	43.80%
Float	4.71M

Valuation Ratios

The trailing PE ratio is 12.40.

PE Ratio	12.40
Forward PE	n/a
PS Ratio	3.94
Forward PS	n/a
PB Ratio	1.30
P/TBV Ratio	1.39
P/FCF Ratio	8.27
P/OCF Ratio	8.09
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	14.21
EV / Sales	4.54
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.49

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.67
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.01%.

Return on Equity (ROE)	11.01%
Return on Assets (ROA)	1.11%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$383,644
Profits Per Employee	$122,521
Employee Count	146
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, VABK has paid $4.42 million in taxes.

Income Tax	4.42M
Effective Tax Rate	19.81%

Stock Price Statistics

The stock price has increased by +3.79% in the last 52 weeks. The beta is 0.55, so VABK's price volatility has been lower than the market average.

Beta (5Y)	0.55
52-Week Price Change	+3.79%
50-Day Moving Average	38.75
200-Day Moving Average	37.55
Relative Strength Index (RSI)	56.13
Average Volume (20 Days)	43,970

Short Selling Information

The latest short interest is 16,193, so 0.30% of the outstanding shares have been sold short.

Short Interest	16,193
Short Previous Month	20,036
Short % of Shares Out	0.30%
Short % of Float	0.34%
Short Ratio (days to cover)	0.59

Income Statement

In the last 12 months, VABK had revenue of $56.01 million and earned $17.89 million in profits. Earnings per share was $3.31.

Revenue	56.01M
Gross Profit	56.01M
Operating Income	23.60M
Pretax Income	20.51M
Net Income	17.89M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.31

Balance Sheet

The company has $38.52 million in cash and $71.42 million in debt, giving a net cash position of -$32.90 million or -$6.10 per share.

Cash & Cash Equivalents	38.52M
Total Debt	71.42M
Net Cash	-32.90M
Net Cash Per Share	-$6.10
Equity (Book Value)	170.77M
Book Value Per Share	31.67
Working Capital	-1.41B

Cash Flow

In the last 12 months, operating cash flow was $27.37 million and capital expenditures -$590,000, giving a free cash flow of $26.78 million.

Operating Cash Flow	27.37M
Capital Expenditures	-590,000
Free Cash Flow	26.78M
FCF Per Share	$4.97

Margins

Gross Margin	n/a
Operating Margin	42.14%
Pretax Margin	39.83%
Profit Margin	31.94%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	47.81%

Dividends & Yields

This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 3.51%.

Dividend Per Share	$1.44
Dividend Yield	3.51%
Dividend Growth (YoY)	4.55%
Years of Dividend Growth	n/a
Payout Ratio	41.70%
Buyback Yield	-0.54%
Shareholder Yield	2.97%
Earnings Yield	8.08%
FCF Yield	12.10%

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