Is Virginia National Bankshares Corporation (VABK) Overvalued?
We dive into why Virginia National Bankshares Corporation (VABK) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Jenna Brashear
Stock Evaluator: Virginia National Bankshares Corporation (VABK)
Virginia National Bankshares Corporation VABK
$53.40
1.77
3.43%
November 4, 2026 9:36:45 AM
EST
Volume: 2,454
After Hours: $120.37
0.15
|
0.12%
November 10, 2021 7:59 PM
EST
Volume: 72,713
USD
NASD | DELAYED PRICE
| SECTOR | INDUSTRY |
| Financials | Banks |
A+ Stock Grade Summary:
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COMPANY SUMMARY
Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking products and services in Virginia. It operates through two segments: Bank and VNB Trust and Estate Services. The company 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 loans, real estate construction and land loans, commercial real estate loans, 1-4 family residential mortgages, and commercial 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; merchant and debit card services; and investment advisory and management services. Further, the company offers investment management, wealth management, corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custody services. It serves individuals, businesses, and charitable organizations. The company was formerly known as Virginia National Bank and changed its name to Virginia National Bankshares Corporation in December 2013. The company was founded in 1998 and is headquartered in Charlottesville, Virginia.
Commentary & Analysis
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Financial Summary
| Share Statistics | VABK | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $280.2 | $699.2 | 32% |
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| Shares Out (Mil) | 5.5 | 15.5 | 15% |
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| Institutional Ownership | 75.8% | 84.0% | 46% |
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| Float (Mil) | 4.3 | 21.7 | 11% |
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| Beta | 0.45 | 0.47 | 25% |
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| Avg Daily Volume (000s) | 23 | 51 | 23% |
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| Price Change (52-week) |
29.8% | 92.5% | 76% |
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| Growth | VABK | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 14.8% | 7.6% | 72% |
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| Net Income (5yr) | 19.3% | 11.1% | 72% |
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| EPS (5yr) | 3.8% | 10.0% | 37 |
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| Dividends (5yr) | 3.3% | 3.7% | 85% |
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| Cash Flow (5yr) | 11.5% | (17.1%) | 70% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | VABK | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $63 | $187 | 22% |
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| Net Income (TTM) (Mil) | $25 | $54 | 50% |
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| EPS (TTM) | $4.589 | $2.600 | 85% |
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| Operating Cash Flow (TTM) (Mil) | $23 | $34 | 42% |
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| Net Cash Flow (TTM) (Mil) | $39 | $2 | 67% |
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| Long-Term Debt (Q1) (Mil) | $9 | $99 | 28% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | VABK | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.44 | 1.26 | 41% |
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| P/E | 11.3 | 12.4 | 24% |
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| Dividend Yield | 2.8% | 2.3% | 83% |
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| PEG (5yr hist) | 3.0 | 1.1 | 79% |
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| Ratios | VABK | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 40.8% | 29.4% | 95% |
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| ROA | 1.5% | 1.1% | 52% |
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| ROE | 13.6% | 11.4% | 67% |
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| Liabilities to Assets | 88.1% | 89.7% | 82% |
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| F-Score | 4 | 4 | 34% |
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Passing Stock Screens
As of 11/3/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Stock Market Winners Screen
Factors: Value, Momentum, Growth
A screen that tries to interpret and apply successful trading rules in the real market environment.
| Performance Since Inception: | 14.9% |
| +/- S&P 500: | +7.5 |
