Virginia National Bankshares Corporation (VABK) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Virginia National Bankshares Corporation (VABK) trades at $44.15 with AI Score 77/100 (Grade A). Virginia National Bankshares Corporation is a bank holding company operating through Virginia National Bank. Market cap: $239M, Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: May 10, 2026Analyst Coverage for VABK: VABK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates VABK against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
VABK: 2/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Virginia National Bankshares Corporation (VABK) Financial Services Profile
Virginia National Bankshares Corporation, operating as Virginia National Bank, delivers comprehensive commercial banking services across Virginia. With a focus on community banking, wealth management, and trust services, the company distinguishes itself through personalized customer relationships and localized decision-making, contributing to a stable financial performance reflected in a 3.31% dividend yield.
What Is the Investment Thesis for VABK?
Virginia National Bankshares Corporation presents a stable investment profile within the regional banking sector, supported by a P/E ratio of 10.8 and a dividend yield of 3.31%. The company's diversified revenue streams across its four segments—Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital—mitigate risk and provide growth opportunities. A profit margin of 24.2% indicates efficient operations. Upcoming catalysts include potential expansion within Virginia and enhanced digital banking services. Ongoing risks include interest rate sensitivity and competition from larger regional and national banks.
Based on FMP financials and quantitative analysis
VABK Key Highlights
- Market capitalization of $239M, reflecting its position as a smaller regional bank.
- P/E ratio of 10.8, suggesting a potentially undervalued stock compared to its earnings.
- Profit margin of 24.2%, indicating strong profitability compared to the industry average.
- Dividend yield of 3.31%, offering an attractive income stream for investors.
- Beta of 0.46, indicating lower volatility compared to the overall market.
Who Are VABK's Competitors?
VABK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CASH Pathward Financial, Inc. | $83.12 | -6.26% | $1.75B | 91 |
| TCBI Texas Capital Bancshares, Inc. | $97.86 | -4.91% | $4.27B | 96 |
| FFWM First Foundation Inc. | $5.90 | +2.43% | $490M | 59 |
| ATLO Ames National Corporation | $29.79 | +1.05% | $264M | 91 |
| FRAF Franklin Financial Services Corporation | $62.81 | +1.82% | $282M | 92 |
| FVCB FVCBankcorp, Inc. | $17.66 | -0.90% | $318M | 92 |
| CZFS Citizens Financial Services, Inc. | $71.50 | -1.62% | $344M | 92 |
| NECB Northeast Community Bancorp, Inc. | $26.45 | +0.15% | $366M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are VABK's Key Strengths?
- Diversified revenue streams from banking, wealth management, and trust services.
- Strong local market presence in Virginia.
- Experienced management team.
- Solid dividend yield of 3.31%.
What Are VABK's Weaknesses?
- Smaller market capitalization compared to larger regional and national banks.
- Limited geographic diversification.
- Potential sensitivity to interest rate fluctuations.
- Reliance on traditional banking services in a rapidly evolving digital landscape.
What Could Drive VABK Stock Higher?
- Potential expansion into new markets within Virginia, increasing customer base and revenue.
- Continued growth in wealth management services, driving fee income and assets under management.
- Investment in digital banking technologies to enhance customer experience and operational efficiency.
- Strategic partnerships with fintech companies to expand service offerings and reach new customers.
What Are the Key Risks for VABK?
- Financial-distress signal — its Altman Z-Score of -0.74 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn impacting loan demand and credit quality, potentially increasing loan losses.
- Competition from larger regional and national banks, potentially impacting market share and profitability.
- Sensitivity to interest rate fluctuations, potentially affecting net interest margin and profitability.
- Cybersecurity risks and data breaches, potentially leading to financial losses and reputational damage.
- Regulatory changes affecting the banking industry, potentially increasing compliance costs and limiting business activities.
What Are the Growth Opportunities for VABK?
- Expansion within Virginia: Virginia National Bankshares Corporation can expand its physical presence and service offerings within Virginia. The Virginia banking market is characterized by steady growth and a diverse economic base. By opening new branches and targeting underserved communities, VABK can increase its market share and customer base. This expansion could increase revenue by 10% over the next three years.
- Enhanced Digital Banking Services: Investing in and expanding digital banking services represents a significant growth opportunity. As customer preferences shift towards online and mobile banking, VABK can attract and retain customers by offering user-friendly digital platforms, mobile apps, and online account management tools. Enhanced digital services can reduce operational costs and improve customer satisfaction, potentially increasing customer retention by 15% within two years.
- Wealth Management Services Expansion: Growing the wealth management segment, Sturman Wealth Advisors, can provide higher-margin revenue streams. By offering personalized financial planning, investment advisory, and retirement planning services, VABK can attract high-net-worth individuals and families. The wealth management market is projected to grow by 8% annually, presenting a substantial opportunity for VABK to increase its assets under management and fee income.
- Strategic Acquisitions: Pursuing strategic acquisitions of smaller community banks or wealth management firms can accelerate growth and expand VABK's market presence. Identifying and integrating complementary businesses can provide access to new markets, customers, and product offerings. A successful acquisition could increase VABK's asset base by 20% within one year.
- Focus on Commercial Lending: Increasing its focus on commercial lending to small and medium-sized businesses (SMBs) can drive loan growth and revenue. By offering tailored financing solutions, such as commercial real estate loans, equipment financing, and working capital lines of credit, VABK can support the growth of local businesses and strengthen its relationships within the community. The SMB lending market is expected to grow by 6% annually, providing a stable source of loan demand for VABK.
What Opportunities Does VABK Have?
- Expansion within Virginia through new branches and strategic acquisitions.
- Growth in wealth management services targeting high-net-worth individuals.
- Increased adoption of digital banking services.
- Strategic partnerships with fintech companies to enhance service offerings.
What Threats Does VABK Face?
- Competition from larger regional and national banks.
- Economic downturn impacting loan demand and credit quality.
- Regulatory changes affecting the banking industry.
- Cybersecurity risks and data breaches.
What Are VABK's Competitive Advantages?
- Strong local market presence in Virginia.
- Established relationships with customers in the community.
- Diversified revenue streams across multiple business segments.
- Experienced management team with local market expertise.
What Does VABK Do?
Founded in 1998 and headquartered in Charlottesville, Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank. The bank provides a comprehensive suite of commercial banking services tailored to individuals, businesses, and charitable organizations. Its operations are divided into four key segments: Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. The Bank segment offers traditional banking products, including checking accounts, savings accounts, and various deposit services such as NOW accounts, money market deposit accounts, and certificates of deposit. The company also provides a range of lending options, including commercial and industrial loans, real estate construction and land loans, commercial real estate loans, 1-4 family residential mortgages, and consumer loans like student loans and revolving credit lines. Beyond traditional banking, Virginia National Bankshares Corporation extends its services to wealth and investment advisory, brokerage, insurance, and consulting through Sturman Wealth Advisors. VNB Trust and Estate Services offers investment management, corporate trustee services, trust and estate administration, and IRA administration. Masonry Capital provides additional investment management services. As of December 31, 2021, the company operated sixteen full-service banking facilities across Charlottesville, Manassas, Richmond, and Winchester, as well as in Albemarle, Fauquier, and Prince William counties.
What Products and Services Does VABK Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers commercial and industrial loans to businesses.
- Provides real estate construction and land loans.
- Offers commercial real estate loans.
- Provides 1-4 family residential mortgages.
- Offers consumer loans, including student loans and revolving credit.
- Provides wealth and investment advisory services through Sturman Wealth Advisors.
- Offers trust and estate administration services through VNB Trust and Estate Services.
How Does VABK Make Money?
- Generates revenue from interest income on loans.
- Earns fees from wealth management and trust services.
- Collects service charges on deposit accounts.
- Receives income from merchant and debit card services.
What Industry Does VABK Operate In?
Virginia National Bankshares Corporation operates within the competitive regional banking sector. The industry is characterized by increasing consolidation, technological disruption, and evolving regulatory landscapes. Regional banks face competition from larger national banks, credit unions, and fintech companies. Market trends include a growing demand for digital banking services and personalized financial advice. Virginia National Bankshares Corporation's focus on community banking and wealth management positions it to capitalize on local market opportunities, but it must adapt to technological advancements to remain competitive.
Who Are VABK's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- High-net-worth individuals and families seeking wealth management services.
- Charitable organizations needing banking and trust services.
Virginia National Bankshares Corporation (VABK) Valuation Context
Valued at $239M, VABK is classified as a micro-cap stock. Relative to its peer group, VABK's quantitative score of 77/100 is roughly in line with the peer average of 86/100.
ROE 11%Key Financial Metrics
Return on equity for Virginia National Bankshares Corporation stands at 11.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. VABK trades at a trailing price-to-earnings ratio of 10.79, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.02 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.1%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
Virginia National Bankshares Corporation's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.74 places it in the distress zone, a signal of elevated financial risk.
VABK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying signals confidence in the company's future prospects, suggesting that management believes in a positive trajectory.
- Community sentiment has shifted positively, with discussions highlighting strong customer service and community involvement as key strengths.
- Analysts note an increase in local economic activity, which could benefit regional banks like Virginia National Bankshares.
- The bank's focus on personalized banking services resonates well with customers, fostering loyalty and potential growth.
Bear Case
- Concerns over rising interest rates may impact loan growth and profitability, leading to cautious sentiment among investors.
- Some community discussions reflect skepticism about the bank's ability to compete with larger financial institutions.
- Recent regulatory changes could pose challenges, creating uncertainty around compliance costs and operational adjustments.
- A few analysts have flagged potential risks associated with economic downturns affecting regional banks, raising red flags for investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
VABK Latest News
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Stocks That Hit 52-Week Lows On Thursday
benzinga · Oct 5, 2023
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Stocks That Hit 52-Week Highs On Tuesday
· Mar 24, 2020
VABK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for VABK.
Price Targets
Wall Street price target analysis for VABK.
VABK MoonshotScore
What does this score mean?
The MoonshotScore rates VABK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Glenn W. Rust
Unknown
Glenn W. Rust's specific background and career history are not available in the provided data. Further research would be needed to provide a comprehensive overview of his professional experience, education, and previous roles. His leadership is pivotal to Virginia National Bankshares Corporation's strategic direction and operational performance.
Track Record: Information on Glenn W. Rust's specific achievements and strategic decisions as CEO is not available in the provided data. Further research is needed to assess his track record and contributions to the company's milestones and financial performance during his tenure.
Common Questions About VABK (Financial Services)
What does the AI Score mean for VABK?
VABK holds an AI Score of 77/100 (Grade: A). This is an educational research signal, not a buy or sell recommendation. Virginia National Bankshares Corporation is a bank holding company operating through Virginia National Bank. It offers diverse financial services, including commercial banking, wealth management …
What does Virginia National Bankshares Corporation do?
Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank, providing a range of commercial banking services to individuals, businesses, and charitable organizations. The company operates through four segments: Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital.
What are the main risks for VABK?
Virginia National Bankshares Corporation faces several key risks, including competition from larger regional and national banks, which could impact market share and profitability. Economic downturns could decrease loan demand and increase credit losses. Interest rate fluctuations could affect net interest margins. Cybersecurity threats and data breaches pose ongoing risks. Regulatory changes could increase compliance costs and limit business activities. These factors could affect VABK's financial performance and stability.
What are the key factors to evaluate for VABK?
Virginia National Bankshares Corporation (VABK) holds an AI score of 77/100 (high). P/E: 10.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does VABK data refresh on this page?
VABK's price was last updated on Jul 23, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven VABK's recent stock price performance?
Virginia National Bankshares Corporation (VABK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams from banking, wealth management, and trust services. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider VABK overvalued or undervalued right now?
Virginia National Bankshares Corporation (VABK) trades at 10.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research VABK before investing?
Before investing in Virginia National Bankshares Corporation (VABK), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding VABK to a portfolio?
Key strength of Virginia National Bankshares Corporation (VABK): Diversified revenue streams from banking, wealth management, and trust services. Its MoonshotScore of 77/100 reflects strong quantitative fundamentals. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on information available as of December 31, 2021.
- CEO background and track record information is limited.