Virginia National Bankshares

NAQ:VABK · US9280311039

BanksX-Small

360

Medium confidence — indicative

Value48

Profit price56

Cash yield1

Sales & asset price36

Price/Sales31

EV / Gross Profit36

Price/Book41

Quality76

Returns on capital96

Profit margins—

Cash backing85

Cash Conversion70

Accruals87

Owner Earnings Margin98

Growth43

Sales growth15

Profit growth43

Profit Growth45

Owner Earnings Growth40

Reinvestment32

Price momentum24

Safety69

Debt load70

Debt serviceability41

Liquidity75

Sentiment54

Analyst ratings—

Expectations trend—

Market mood3

Value Creation10/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Virginia National Bankshares clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeX-Small

TypePublic Company

ExchangeNASDAQCM

Founded2013

Websitevnb.com/index.php/investors/investor-relations

ISINUS9280311039

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that engages in general commercial and retail banking business. The company is regulated under the Bank Holding Company Act of 1956, as amended and i…

Analysis

Quality compounder

Virginia National Bankshares Corporation earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.4×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is sturdy. The company scores 10/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250

20232026

All-time high

Jan 2023

All-time low

Mar 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →