Virginia National Bankshares Corp (VABK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Virginia National Bankshares Corp stock (VABK) is currently trading at $38.34. Virginia National Bankshares Corp PE ratio is 10.92. Virginia National Bankshares Corp PS ratio (Price-to-Sales) is 3.64. WallStSmart rates VABK as Hold.
- VABK PE ratio analysis and historical PE chart
- VABK PS ratio (Price-to-Sales) history and trend
- VABK intrinsic value — DCF, Graham Number, EPV models
- VABK stock price prediction 2025 2026 2027 2028 2029 2030
- VABK fair value vs current price
- VABK insider transactions and insider buying
- Is VABK undervalued or overvalued?
- Virginia National Bankshares Corp financial analysis — revenue, earnings, cash flow
- VABK Piotroski F-Score and Altman Z-Score
- VABK analyst price target and Smart Rating
Virginia National Bankshares Corp
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VABK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Virginia National Bankshares Corp (VABK)
VABK trades at a significant discount to its Graham intrinsic value of $166.14, offering a 76% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Virginia National Bankshares Corp (VABK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap. Fundamentals are solid but monitor weak areas for improvement.
Virginia National Bankshares Corp (VABK) Key Strengths (4)
Keeps $54 of every $100 in revenue after operating costs
Keeps $34 of every $100 in revenue as net profit
Trading at 1.12x book value, attractively priced
Strong earnings growth at 29.50% per year
Supporting Valuation Data
Virginia National Bankshares Corp (VABK) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Modest revenue growth at 6.80%
Moderate profitability with room for improvement
Revenue is fairly priced at 3.64x sales
Moderate institutional interest at 49.81%
Virginia National Bankshares Corp (VABK) Detailed Analysis Report
Overall Assessment
This company scores 61/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 4.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.12) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 53.70%, Profit Margin at 33.50%. Growth metrics are encouraging with EPS Growth at 29.50%.
The Bear Case
The primary concerns are Market Cap, Revenue Growth, Return on Equity. Some valuation metrics including Price/Sales (3.64) suggest expensive pricing. Growth concerns include Revenue Growth at 6.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Market Cap, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
VABK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
VABK's Price-to-Sales ratio of 3.64x trades 33% below its historical average of 5.43x (29th percentile). The current valuation is 64% below its historical high of 10.2x set in Mar 2007, and 36% above its historical low of 2.68x in Sep 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for Virginia National Bankshares Corp (VABK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Virginia National Bankshares Corp is a mature, profitable business with steady cash generation. Revenue reached 57M with 7% growth year-over-year. Profit margins are strong at 33.5%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1120.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 33.5% and operating margin of 53.7% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 3.6%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 36M is significantly higher than cash (6M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Virginia National Bankshares Corp.
Bottom Line
Virginia National Bankshares Corp is a well-established business delivering consistent profitability with 33.5% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Virginia National Bankshares Corp(VABK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Virginia National Bankshares Corporation is the holding company of Virginia National Bank providing a range of commercial banking services. The company is headquartered in Charlottesville, Virginia.