Virginia National Bankshares Corporation

VABK

Banks - Regional · Financial Services

Price

$46.15

-1.30 (-2.74%)

Market Cap

$250.2M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+2.1% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 5.3M (2021) → 5.4M (2025)

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

Winston Score History

Score breakdown

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Quality

Gross Margin

72.3%

Premium pricing power — 72.3% gross margin

Operating Margin

32.1%

Excellent — 32.1% operating margin

ROCE

3.1%

Weak — 3.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-0.1%

Shrinking sales (-0.1% YoY)

EPS YoY

+12.1%

Earnings growing (12.1% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

132%

Turns 132% of profit into real cash

FCF Margin

30.9%

Converts sales into free cash efficiently (30.9%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.13

Conservative — low debt load (0.13)

Interest Cover

1.01x

Dangerous — barely covers interest (1.0x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

12.4x

Attractive valuation — P/E 12.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

3.24%

Moderate income — 3.24% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+6.7%

Dividend growing modestly (6.7% YoY)

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