Provides checking and savings accounts to individuals and businesses. Offers commercial and industrial loans to businesses. Now — the numbers.
This is an established company with proven profits.
Average growth of 9% a year over the last 4 years. Every year shown ended in profit.
The market pays 13.9× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 79% of them.
No analyst target is on record for this company.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Clearly below the class average.
The stock has been running stronger than the market lately.
Growth: Sales growth trails the sector average.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 23% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 9% a year on average.
Over the last 12 months, company executives reported 28 buys and 4 sells. Management buying with its own money is usually read as a good sign.
The growth engine is running at low revs right now. Report-card grade: 41/100.
On our five-subject report card, VABK sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: VABK is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.