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Company Analysis

Virginia National Bankshares Co VABK

A comprehensive view of key metrics, scores, and financial health for Virginia National Bankshares Co

Overview of Virginia National Bankshares Corporation

VABK NCM
Financial Services Banks - Regional Micro Cap
Virginia National Bankshares Corporation (VABK), is a Micro Cap company, in the Banks - Regional industry, last closed at $38.71, about 12.6% overvalued vs fair value, +8.4% 1Y return, placing in the top 25% of its sector.
$38.71
1.04%
As of March 13, 2026
Previous close • Vol 90d: 31.7%
52-Week Range
Market Cap
$210.70M
Enterprise Value
$240.84M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.vnb.com
HQ Charlottesville, VA
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$19
$34
$63
Current: $38.71 -13% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$75.5M
8.4%%
Interest Expense
$25.7M
Net Interest Income
$45.9M
-5.5%%
Total Revenue
$83.3M
57.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.6%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.6M
45.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Virginia National Bankshares Co's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
56
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing VABK's balance between Growth (21.0%), Profitability (40.5%), and Safety (38.5%). Growth 21% Safety 39% Profitability 41%

Click axes to expand details. Marker shows current allocation.

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Growth

35th percentile vs peers
36
Key Signals
Rev Growth YoY 57.1% 50p Asset Growth YoY 2.0% 33p Revenue CAGR 3Y 7.6% 18p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Growth below peer median (percentile: 35)

Profitability

68th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

65th percentile vs peers
65
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Virginia National Bankshares Co.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$33.85
- - -
-12.6% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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