Virginia National Financials

VABK Stock  USD 40.82  1.08  2.58%   
Based on the analysis of Virginia National's profitability, liquidity, and operating efficiency, Virginia National Bankshares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Virginia National's Retained Earnings are quite stable compared to the past year. Cash is expected to rise to about 35.1 M this year, although the value of Other Assets will most likely fall to about 5.9 M. Key indicators impacting Virginia National's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.360.3387
Notably Up
Slightly volatile
Return On Assets0.00690.0117
Way Down
Slightly volatile
Return On Equity0.0690.1259
Way Down
Slightly volatile
Debt Equity Ratio0.480.4571
Sufficiently Up
Very volatile
Operating Income24.4 M23.3 M
Sufficiently Up
Slightly volatile
Current Ratio7.427.81
Notably Down
Very volatile
The essential information of the day-to-day investment outlook for Virginia National includes many different criteria found on its balance sheet. An individual investor should monitor Virginia National's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Virginia National.

Net Income

20.23 Million

  
Understanding current and past Virginia National Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Virginia National's financial statements are interrelated, with each one affecting the others. For example, an increase in Virginia National's assets may result in an increase in income on the income statement.

Virginia National Stock Summary

Virginia National competes with Affinity Bancshares, Auburn National, BayCom Corp, First Community, and Great Southern. Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial banking services. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia. Virginia Natl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 165 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS9280311039
CUSIP928031103
LocationVirginia; U.S.A
Business Address404 People Place,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.vnb.com
Phone434 817 8621
CurrencyUSD - US Dollar

Virginia National Key Financial Ratios

Virginia National Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets703.3M848.4M2.0B1.6B1.6B1.7B
Other Current Liab(6.0M)4.4M(6.0M)(2.0M)(4.0M)(3.8M)
Net Debt(11.3M)21.9M(345.9M)(30.5M)48.1M50.5M
Retained Earnings37.2M42.0M46.4M63.5M73.8M77.5M
Accounts Payable6.0M1.5M3.6M2.0M4.0M2.5M
Cash14.9M8.1M356.4M40.1M28.4M35.1M
Other Assets443.6M476.3M940.7M1.5B6.2M5.9M
Net Receivables9.8M9.9M18.5M13.2M14.3M8.6M
Total Liab6.0M765.8M1.8B1.5B1.5B1.6B
Total Current Assets138.8M192.1M678.7M53.6M28.4M27.0M
Common Stock6.7M6.7M13.2M13.2M13.3M7.8M
Other Liab1.4M1.3M3.4M1.9M1.7M1.9M
Inventory(21.3M)(37.6M)(513.2M)3.8M3.4M3.6M
Short Term Debt799K10.9M1.5M6.2M4.3M3.2M
Net Tangible Assets75.3M81.9M145.2M119.1M136.9M89.3M
Capital Surpluse22.0M27.0M32.2M104.6M120.3M126.3M
Other Current Assets21.3M37.6M513.2M(537.8M)34.6M32.8M
Intangible Assets408K341K8.5M6.6M5.1M2.8M

Virginia National Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense4.3M3.4M3.3M3.2M21.0M22.1M
Total Revenue27.5M30.4M55.5M64.4M56.9M29.2M
Gross Profit27.5M30.4M55.5M64.4M56.9M29.1M
Operating Income8.2M10.0M11.9M31.7M23.3M24.4M
Ebit9.2M10.0M9.0M28.6M23.3M24.4M
Ebitda9.4M12.0M13.3M33.6M28.0M29.4M
Net Income6.7M8.0M10.1M23.4M19.3M20.2M
Income Tax Expense1.5M2.1M1.9M5.1M4.0M2.3M
Income Before Tax8.2M10.0M11.9M28.5M23.3M24.4M
Tax Provision1.5M2.1M1.9M5.1M5.0M3.4M
Net Interest Income21.8M23.8M44.8M53.3M53.6M35.7M
Interest Income26.1M27.1M48.1M56.5M68.2M40.3M

Virginia National Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash211K15.6M474.1M(468.7M)(11.7M)(11.2M)
Free Cash Flow9.2M9.1M11.8M22.1M12.7M7.4M
Depreciation1.2M2.0M4.4M5.1M4.8M5.0M
Other Non Cash Items794K1.2M(1.6M)(4.2M)(9.6M)(9.1M)
Capital Expenditures189K199K1.3M546K1.2M586.5K
Net Income6.7M8.0M10.1M23.4M19.3M20.2M
End Period Cash Flow19.1M34.7M508.8M40.1M28.4M27.0M
Dividends Paid3.1M3.2M6.4M6.4M7.1M7.4M
Investments(50.7M)(58.1M)110.2M(167.2M)47.2M49.6M
Change Receivables(509K)910K545K(2.6M)(2.3M)(2.2M)
Net Borrowings14.4M(34.1M)30M(42.6M)(38.3M)(36.4M)
Change To Netincome1.2M1.2M1.5M(4.3M)(3.8M)(3.6M)
Change To Inventory504K951K(1.6M)1.3M863K906.2K

Virginia Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Virginia National's current stock value. Our valuation model uses many indicators to compare Virginia National value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Virginia National competition to find correlations between indicators driving Virginia National's intrinsic value. More Info.
Virginia National Bankshares is rated third in return on equity category among its peers. It is rated second in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Virginia National Bankshares is roughly  10.54 . At this time, Virginia National's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Virginia National by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Virginia National Systematic Risk

Virginia National's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Virginia National volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was ten with a total number of output elements of fifty-one. The Beta measures systematic risk based on how returns on Virginia National correlated with the market. If Beta is less than 0 Virginia National generally moves in the opposite direction as compared to the market. If Virginia National Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Virginia National is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Virginia National is generally in the same direction as the market. If Beta > 1 Virginia National moves generally in the same direction as, but more than the movement of the benchmark.

Virginia National Thematic Clasifications

Virginia National Bankshares is part of Banking investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
BankingView
This theme covers USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas
Today, most investors in Virginia National Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Virginia National's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Virginia National growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.5)

At this time, Virginia National's Price Earnings To Growth Ratio is quite stable compared to the past year.

Virginia National December 1, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Virginia National help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Virginia National Bankshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Virginia National Bankshares based on widely used predictive technical indicators. In general, we focus on analyzing Virginia Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Virginia National's daily price indicators and compare them against related drivers.
When determining whether Virginia National is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Virginia Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Virginia National Bankshares Stock. Highlighted below are key reports to facilitate an investment decision about Virginia National Bankshares Stock:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Virginia National Bankshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
You can also try the Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Virginia National. If investors know Virginia will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Virginia National listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.01)
Dividend Share
1.32
Earnings Share
2.89
Revenue Per Share
9.603
Quarterly Revenue Growth
(0.02)
The market value of Virginia National is measured differently than its book value, which is the value of Virginia that is recorded on the company's balance sheet. Investors also form their own opinion of Virginia National's value that differs from its market value or its book value, called intrinsic value, which is Virginia National's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Virginia National's market value can be influenced by many factors that don't directly affect Virginia National's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Virginia National's value and its price as these two are different measures arrived at by different means. Investors typically determine if Virginia National is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Virginia National's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.