Virginia National Bankshares Corporation (VABK)
Valuation Overview•Is Virginia National Bankshares Corporation Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 66/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street sentiment is generally neutral. This is paired with healthy capital returns, anchored by a strong, well-covered dividend yield.
VABK demonstrates strong business quality with robust profitability and healthy margins. This is paired with a moderately leveraged but stable balance sheet.
The company maintains stable top-line performance however, earnings have severely contracted over the same period. This growth is supported by elite operational efficiency, sustaining an impressive 30.4% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $20.4M | +0.9% | — | — | +14.3% | |
| EBITDA | $7.3M | — | -5.8% | — | — | |
| Net Income | $5.3M | +13.5% | -6.3% | — | +20.0% | |
| EPS (Diluted) | $0.97 | +12.7% | -6.8% | +3.8% | +12.0% | |
| Free Cash Flow | $7.0M | +42.6% | -2.1% | +18.0% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 69.9% | 68.8% | 78.9% | 83.7% |
| Operating Margin | 30.4% | 27.9% | 28.9% | 30.8% |
| Net Margin | 24.2% | 22.7% | 23.7% | 23.8% |
| FCF Margin | 31.6% | 19.5% | 22.1% | 25.0% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $0.97 | — | ||
| Q1'26 | — | $1.10 | — | ||
| Q4'25 | — | $0.84 | — | ||
| Q3'25 | — | $0.78 | — | ||
| Q2'25 | — | $0.83 | — | ||
| Q1'25 | — | $0.85 | — | ||
| Q4'24 | — | $0.85 | — | ||
| Q3'24 | — | $0.77 | — |
Total return is +18.4% (1Y), outperforming the benchmark by +5.0%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +11.4% | +8.5% | — |
| 1Y | +18.4% | +5.0% | +3.8% |
| 3YCAGR | +16.3% | -3.3% | +13.3% |
| 5YCAGR | +6.4% | -5.4% | +16.9% |
| 10YCAGR | +9.5% | -4.3% | — |
The S&P 500 is at 31.4x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Virginia National Bankshares Corporation (VABK) valuation, health, and returns.
Based on peer relative multiples, Virginia National Bankshares Corporation appears Slightly cheap versus peers compared to industry peers.
Virginia National Bankshares Corporation has multiple valuation anchors: Peer Relative Fair Value: $51.38. A convergence of these signals offers higher conviction.
Virginia National Bankshares Corporation displays good financial health with a composite quality score of 66/100, supported by a Piotroski F-Score of 5/9, Return on Invested Capital (ROIC) of 9.0%.
Virginia National Bankshares Corporation pays a 3.2% dividend yield, covered by a 39% payout ratio with 1 years of growth, supplemented by a 0.0% buyback yield.
Virginia National Bankshares Corporation's current growth trajectory is Accelerating. The company achieved +0.9% 1Y revenue growth and +12.7% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 0 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for Virginia National Bankshares Corporation include: -13.6% 1-year max drawdown. Volatility risk is characterized by a beta of 0.39x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.