VABK logo

VIRGINIA NATIONAL BANKSHARES

VABKNASDAQ
πŸ† #3515 by market capUS Equity
$48.29β–Ό $0.05 (βˆ’0.10%)
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24hβ–Ό 0.1%
7dβ–² 1.2%
14dβ–² 1.2%
30dβ–Ό 3.3%
ytdβ–² 11.8%
1yβ–² 24.3%
🏦Market Cap
$262M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+26.8%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
25.8%
Strong
βš–οΈP/S Ratio
3.0x
Cheap
Otter Score
72
Fair

Trading Snapshot

Day Range
$47.52 – $49.08
52-Week Range
$37.31 – $50.00
Volume
$2.61B
Avg Volume
$2.88B
Shares Outstanding
5.4M
Next Earnings
Oct 28, 2026

Fundamentals Snapshot

Annual Revenue
$83M
Last Q Revenue
$26M
P/E Ratio
10.5
P/S Ratio
3.0x
EPS (TTM)
$4.56
Dividend Yield
2.98%
Dilution (1yr)
+0.3%

Why Investors Own VABK

  • βœ“High-growth profile β€” revenue up +55.8% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 30% gross margin and 8% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

VABK logo

VIRGINIA NATIONAL BANKSHARES

VABK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$83Mβ–² +0.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
69.0%β–² +6.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$24Mβ–² +15.2% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$21Mβ–² +42.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
5.4Mβ–² +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$24Mβ–Ό βˆ’$12M YoY
StockOtter Β· stockotter.space

About VIRGINIA NATIONAL BANKSHARES

Virginia National Bankshares Corporation operates as the parent entity for Virginia National Bank, delivering a comprehensive suite of commercial banking solutions. Its operations are structured into four distinct divisions: the primary banking segment, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. The institution provides a diverse range of deposit products, including checking accounts, demand deposits, NOW accounts, money market savings, time deposits, certificates of deposit (CDs), and individual retirement accounts (IRAs), among other related savings options. Furthermore, it extends various lending services, such as financing for commercial and industrial ventures, real estate loans for construction and land development, commercial property loans, mortgages for 1-4 family homes, and consumer credit offerings like student loans, revolving lines of credit, and installment loans. Ancillary services include access to automated teller machines (ATMs), online banking platforms, treasury management solutions, cash handling services, and merchant and debit card processing. The company also delivers wealth management, investment advisory, brokerage, insurance, and consulting services. Its specialized offerings extend to investment management, acting as a corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custodial services. Its clientele encompasses private individuals, businesses, and non-profit organizations. As of December 31, 2021, the corporation maintained a network of sixteen full-service banking branches situated in the cities of Charlottesville, Manassas, Richmond, and Winchester, alongside locations in the counties of Albemarle, Fauquier, and Prince William. Established in 1998, Virginia National Bankshares Corporation's main office is located in Charlottesville, Virginia.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$55.17
β–² +14.3% Upside
High Target$61.54
Low Target$42.16
Based on 12 analysts

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