Virginia National Bankshares Corporation (VABK)

VABK Statistics

Total Valuation

VABK has a market cap or net worth of $235.28 million. The enterprise value is $187.82 million.

Market Cap	235.28M
Enterprise Value	187.82M

Important Dates

The last earnings date was Thursday, April 23, 2026, before market open.

Earnings Date	Apr 23, 2026
Ex-Dividend Date	May 13, 2026

Share Statistics

VABK has 5.42 million shares outstanding. The number of shares has increased by 0.57% in one year.

Current Share Class	5.42M
Shares Outstanding	5.42M
Shares Change (YoY)	+0.57%
Shares Change (QoQ)	+0.36%
Owned by Insiders (%)	14.66%
Owned by Institutions (%)	44.38%
Float	4.33M

Valuation Ratios

The trailing PE ratio is 11.76.

PE Ratio	11.76
Forward PE	n/a
PS Ratio	4.06
Forward PS	n/a
PB Ratio	1.26
P/TBV Ratio	1.33
P/FCF Ratio	9.06
P/OCF Ratio	8.88
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.38
EV / Sales	3.24
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	7.24

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.13
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.34%.

Return on Equity (ROE)	11.34%
Return on Assets (ROA)	1.22%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	6.13%
Revenue Per Employee	$391,777
Profits Per Employee	$135,345
Employee Count	148
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, VABK has paid $5.19 million in taxes.

Income Tax	5.19M
Effective Tax Rate	20.59%

Stock Price Statistics

The stock price has increased by +18.77% in the last 52 weeks. The beta is 0.48, so VABK's price volatility has been lower than the market average.

Beta (5Y)	0.48
52-Week Price Change	+18.77%
50-Day Moving Average	41.23
200-Day Moving Average	40.32
Relative Strength Index (RSI)	59.66
Average Volume (20 Days)	5,713

Short Selling Information

The latest short interest is 21,786, so 0.40% of the outstanding shares have been sold short.

Short Interest	21,786
Short Previous Month	23,641
Short % of Shares Out	0.40%
Short % of Float	0.50%
Short Ratio (days to cover)	3.47

Income Statement

In the last 12 months, VABK had revenue of $57.98 million and earned $20.03 million in profits. Earnings per share was $3.69.

Revenue	57.98M
Gross Profit	57.98M
Operating Income	27.10M
Pretax Income	25.22M
Net Income	20.03M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.69

Balance Sheet

The company has $76.87 million in cash and $29.40 million in debt, with a net cash position of $47.47 million or $8.75 per share.

Cash & Cash Equivalents	76.87M
Total Debt	29.40M
Net Cash	47.47M
Net Cash Per Share	$8.75
Equity (Book Value)	186.50M
Book Value Per Share	34.39
Working Capital	-1.37B

Cash Flow

In the last 12 months, operating cash flow was $26.49 million and capital expenditures -$530,000, giving a free cash flow of $25.96 million.

Operating Cash Flow	26.49M
Capital Expenditures	-530,000
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	25.96M
FCF Per Share	$4.79

Margins

Gross Margin	n/a
Operating Margin	46.74%
Pretax Margin	43.50%
Profit Margin	34.55%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	44.76%

Dividends & Yields

This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 3.32%.

Dividend Per Share	$1.44
Dividend Yield	3.32%
Dividend Growth (YoY)	6.67%
Years of Dividend Growth	1
Payout Ratio	39.02%
Buyback Yield	-0.57%
Shareholder Yield	2.75%
Earnings Yield	8.51%
FCF Yield	11.03%

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