📊 VABK Key Takeaways
Is Virginia National Bankshares Corp (VABK) a Good Investment?
Virginia National Bankshares demonstrates exceptional revenue growth (50% YoY) and strong operating margins (34.6%), supported by robust free cash flow generation and a debt-free balance sheet. However, a critically low ROE of 2.8% and ROA of 0.3% indicate severe capital deployment inefficiency that is unacceptable for a national bank, suggesting the business generates attractive margins but fails to deploy equity capital effectively.
Virginia National Bankshares Corp Key Strengths (VABK)
- Exceptional revenue growth of 50% YoY with solid EPS growth of 12.7% demonstrating strong top-line momentum
- Excellent operating margins of 34.6% and net margins of 27.9% indicating strong operational efficiency and profitability
- Robust free cash flow generation (37.3% FCF margin) with minimal capital expenditures and zero long-term debt providing strong financial flexibility
VABK Stock Risks: Virginia National Bankshares Corp Investment Risks
- Dangerously low ROE of 2.8% and ROA of 0.3% for a commercial bank, indicating the company fails to generate acceptable returns on shareholder capital relative to industry standards (8-12% ROE expected)
- Low interest coverage ratio of 0.4x raises questions about the bank's ability to service obligations and the sustainability of current capital structure
- Significant data quality gaps (missing current ratio, quick ratio, and most liquidity metrics) and minimal insider activity (1 Form 4 filing in 90 days) suggest transparency or operational concerns
Key Metrics to Watch
- Return on Equity (ROE) - must improve from 2.8% to 8%+ range to meet acceptable banking standards
- Net Interest Margin (NIM) - critical driver of bank profitability and customer lending spreads
- Loan-to-Deposit ratio and non-performing loan percentage - essential asset quality indicators for banking sector health
Virginia National Bankshares Corp (VABK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 37.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
VABK Profit Margin, ROE & Profitability Analysis
VABK vs Finance Sector: How Virginia National Bankshares Corp Compares
How Virginia National Bankshares Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Virginia National Bankshares Corp Stock Overvalued? VABK Valuation Analysis 2026
Based on fundamental analysis, Virginia National Bankshares Corp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Virginia National Bankshares Corp Balance Sheet: VABK Debt, Cash & Liquidity
VABK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Virginia National Bankshares Corp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $3.15 reflects profitable operations.
VABK Revenue Growth, EPS Growth & YoY Performance
Virginia National Bankshares Corp Dividends, Buybacks & Capital Allocation
VABK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Virginia National Bankshares Corp (CIK: 0001572334)
📋 Recent SEC Filings
❓ Frequently Asked Questions about VABK
What is the AI rating for VABK?
Virginia National Bankshares Corp (VABK) has an AI grade of B with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are VABK's key strengths?
Claude: Exceptional revenue growth of 50% YoY with solid EPS growth of 12.7% demonstrating strong top-line momentum. Excellent operating margins of 34.6% and net margins of 27.9% indicating strong operational efficiency and profitability.
What are the risks of investing in VABK?
Claude: Dangerously low ROE of 2.8% and ROA of 0.3% for a commercial bank, indicating the company fails to generate acceptable returns on shareholder capital relative to industry standards (8-12% ROE expected). Low interest coverage ratio of 0.4x raises questions about the bank's ability to service obligations and the sustainability of current capital structure.
What is VABK's revenue and growth?
Virginia National Bankshares Corp reported revenue of $18.9M.
Does VABK pay dividends?
Virginia National Bankshares Corp does not currently pay dividends.
Where can I find VABK SEC filings?
Official SEC filings for Virginia National Bankshares Corp (CIK: 0001572334) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is VABK's EPS?
Virginia National Bankshares Corp has a diluted EPS of $0.97.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is VABK's fundamental grade?
Based on our AI fundamental analysis in June 2026, Virginia National Bankshares Corp has a B grade with 65% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is VABK stock overvalued or undervalued?
Valuation metrics for VABK: ROE of 2.8% (sector avg: 12%), net margin of 27.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is VABK's AI grade for 2026?
Our dual AI analysis gives Virginia National Bankshares Corp a combined B grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is VABK's free cash flow?
Virginia National Bankshares Corp's operating cash flow is $7.2M, with capital expenditures of $207.0K. FCF margin is 37.3%.
How does VABK compare to other Finance stocks?
Vs Finance sector averages: Net margin 27.9% (avg: 25%), ROE 2.8% (avg: 12%), current ratio N/A (avg: 1.2).