NASDAQ: VABK
Virginia National Bankshares Corp Stock

$37.64-0.86 (-2.23%)
Updated Jul 11, 2025
VABK Price
$37.64
Fair Value Price
$60.93
Market Cap
$202.95M
52 Week Low
$33.53
52 Week High
$44.00
P/E
11.37x
P/B
1.22x
P/S
3.49x
PEG
2.91x
Dividend Yield
3.59%
Revenue
$55.64M
Earnings
$17.81M
Gross Margin
100%
Operating Margin
39.49%
Profit Margin
32%
Debt to Equity
8.8
Operating Cash Flow
$14M
Beta
0.4
Next Earnings
Jul 17, 2025
Ex-Dividend
N/A
Next Dividend
N/A

VABK Overview

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial banking services. The company operates through four segments: Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. It provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. The company also offers commercial and industrial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. In addition, it provides automated teller machines, internet banking, treasury, and cash management services, as well as merchant and debit card services; and wealth and investment advisory, brokerage, insurance, consulting, and related services. Further, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations. As of December 31, 2021, the company operated sixteen full-service banking facilities in the cities of Charlottesville, Manassas, Richmond, and Winchester, as well as the counties of Albemarle, Fauquier, and Prince William. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine VABK's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
F
VABK
Ranked
#140 of 297

Top Ranked Stocks in Industry

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VABK News

Overview

Due Diligence Score

Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how VABK scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

VABK ($37.64) is undervalued by 38.23% relative to our estimate of its Fair Value price of $60.93 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
VABK ($37.64) is significantly undervalued by 38.23% relative to our estimate of its Fair Value price of $60.93 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
VABK ($37.64) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more VABK due diligence checks available for Premium users.

Valuation

VABK fair value

Fair Value of VABK stock based on Discounted Cash Flow (DCF)

Price
$37.64
Fair Value
$60.93
Undervalued by
38.23%
VABK ($37.64) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
VABK ($37.64) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
VABK ($37.64) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

VABK price to earnings (PE)

For valuing profitable companies with steady earnings

Company
11.37x
Industry
12.62x
Market
30.99x
VABK is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
VABK is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

VABK price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.22x
Industry
1.22x
VABK is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

VABK price to earnings growth (PEG)

For valuing profitable companies with growth potential

VABK is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

VABK's financial health

Profit margin

Revenue
$14.2M
Net Income
$4.5M
Profit Margin
31.6%
VABK's Earnings (EBIT) of $21.97M... subscribe to Premium to read more.
Interest Coverage Financials
VABK's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.6B
Liabilities
$1.5B
Debt to equity
8.8
VABK's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
VABK's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$2.1M
Investing
$1.7M
Financing
$8.7M
VABK's operating cash flow ($14.26M)... subscribe to Premium to read more.
Debt Coverage Financials

VABK vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
VABKC$202.95M-2.23%11.37x1.22x
FINWD$202.85M-2.60%15.99x1.14x
WNEBD$202.35M-1.41%18.43x0.85x
BLFYC$203.74M-1.78%-17.05x0.62x
ESSA$204.92M-2.04%13.02x0.87x

Virginia National Bankshares Stock FAQ

What is Virginia National Bankshares's quote symbol?

(NASDAQ: VABK) Virginia National Bankshares trades on the NASDAQ under the ticker symbol VABK. Virginia National Bankshares stock quotes can also be displayed as NASDAQ: VABK.

If you're new to stock investing, here's how to buy Virginia National Bankshares stock.

What is the 52 week high and low for Virginia National Bankshares (NASDAQ: VABK)?

(NASDAQ: VABK) Virginia National Bankshares's 52-week high was $44.00, and its 52-week low was $33.53. It is currently -14.45% from its 52-week high and 12.26% from its 52-week low.

How much is Virginia National Bankshares stock worth today?

(NASDAQ: VABK) Virginia National Bankshares currently has 5,391,979 outstanding shares. With Virginia National Bankshares stock trading at $37.64 per share, the total value of Virginia National Bankshares stock (market capitalization) is $202.95M.

Virginia National Bankshares stock was originally listed at a price of $14.08 in May 4, 1999. If you had invested in Virginia National Bankshares stock at $14.08, your return over the last 26 years would have been 167.35%, for an annualized return of 3.85% (not including any dividends or dividend reinvestments).

How much is Virginia National Bankshares's stock price per share?

(NASDAQ: VABK) Virginia National Bankshares stock price per share is $37.64 today (as of Jul 11, 2025).

What is Virginia National Bankshares's Market Cap?

(NASDAQ: VABK) Virginia National Bankshares's market cap is $202.95M, as of Jul 12, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Virginia National Bankshares's market cap is calculated by multiplying VABK's current stock price of $37.64 by VABK's total outstanding shares of 5,391,979.
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