Is VABK a good stock to buy right now?

Based on our 6-factor quantitative model, Virginia National Bankshares Corp (VABK) receives a "Hold" rating with a composite score of 54.0/100. It is ranked #1,009 out of 4,446 stocks. Key factor scores: Quality 57/100, Value 74/100, Momentum 42/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for VABK?

Virginia National Bankshares Corp (VABK) has a "Hold" rating and 3-star score. The composite score of 54.0 ranks it #1,009 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is VABK in?

Virginia National Bankshares Corp operates in the Financials sector (Banking industry) with a market cap of $209 million. It is classified as a micro-cap stock.

Does VABK pay a dividend?

Yes, VABK pays a dividend with a current yield of 4.41%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $44.10 in annual dividend income.

What is VABK's P/E ratio?

VABK has a trailing P/E ratio of 11.70x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is VABK?

VABK's quality factor score is 57/100. Gross margin: 0.0%. ROE: 9.7% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is VABK valued compared to peers?

VABK's value factor score is 74/100 (higher = cheaper). Key multiples: P/E 11.7x, EV/EBITDA 9.5x. The stock appears attractively valued versus peers.

What is VABK's debt level?

VABK's debt-to-equity ratio is 796%. Sector average: 121%. Elevated leverage increases credit risk.

VABK has a beta of 0.55, meaning it is less volatile than the market. Stability score: 81/100.

Does VABK have high short interest?

VABK's short interest factor score is 41/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

VABK Stock Analysis: Top Micro-Cap Hold (Score 54.0/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
VABK	+1.71%	+5.52%	+5.61%	+1.63%	+13.26%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	+1.77%	+1.92%	+5.27%	+1.99%	-16.27%	-	-	-
Alpha vs Sector	+2.80%	+3.02%	+4.19%	+8.93%	+2.67%	-	-	-

Metric	VABK	Benchmark
P/E Ratio	11.7x	-21%
EV/EBITDA	9.5x	+190%
Price / Book	1.1x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
VABK Virginia National Bankshares Corp	54	57	74	42	11.7x	9.7%	0.0%	23.2%	4.3%	796.0x	$209M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.8%	0.8%	0.8%	0.8%	0.8%
Operating Margin %	0.3%	0.3%	0.3%	0.3%	0.5%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%
EBITDA Margin %	0.3%	0.3%	0.3%	0.3%	0.5%	0.2%	0.4%	0.4%	0.4%	0.5%	0.4%
Net Margin %	0.2%	0.2%	0.2%	0.3%	0.4%	0.2%	0.3%	0.2%	0.3%	0.2%	0.2%
FCF Margin %	20.2%	-	-	-	-	-	29.7%	33.3%	38.4%	30.6%	19.8%
ROE %	0.1%	0.1%	0.1%	0.1%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	8.3%	10.3%	10.3%	12.0%	16.9%	5.8%	5.0%	7.2%	7.4%	5.3%	6.3%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.8%

Operating Margin %

0.3%

0.5%

0.2%

EBITDA Margin %

0.3%

0.5%

0.2%

0.4%

0.5%

0.4%

Net Margin %

0.2%

0.3%

0.4%

0.2%

0.3%

0.2%

0.3%

0.2%

FCF Margin %

20.2%

29.7%

33.3%

38.4%

30.6%

19.8%

ROE %

0.1%

0.2%

0.1%

ROA %

0.0%

ROIC %

8.3%

10.3%

12.0%

16.9%

5.8%

5.0%

7.2%

7.4%

5.3%

6.3%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$77M	$77M	$76M	$70M	$57M	$48M	$30M	$27M	$28M	$27M	$24M	$21M
	—	—	—	—	—	—	$24M	$22M	$23M	$21M	$18M	$16M
Gross Margin	0.0%	---	---	---	---	---	78.4%	79.8%	80.5%	78.4%	76.9%	77.0%
	—	—	—	—	—	—	$3M	$1M	$2M	$2M	$2M	$2M
Total Operating Expenses	—	$53M	$55M	$47M	$28M	$36M	—	—	—	—	—	—
	$22M	$24M	$21M	$23M	$29M	$12M	$7M	$6M	$6M	$6M	$5M	$5M
EBIT	$22M	$24M	$21M	$23M	$29M	$12M	$7M	$6M	$6M	$6M	$5M	$5M
EBITDA	$22M	$24M	$21M	$23M	$29M	$12M	$13M	$10M	$12M	$13M	$10M	$6M
Operating Margin	28.8%	31.2%	27.5%	33.3%	50.3%	24.7%	21.6%	20.2%	19.5%	21.6%	23.1%	23.0%
EBITDA Margin	28.8%	31.2%	27.5%	33.3%	50.3%	24.7%	41.8%	35.3%	42.4%	46.3%	42.4%	29.3%
	—	—	—	$21M	$3M	$3M	$3M	$4M	$3M	$1M	$937K	$974K
	—	$24M	$21M	$23M	$29M	$12M	—	—	—	—	—	—
Income Tax Expense	—	$5M	$4M	$4M	$5M	$2M	$2M	$2M	$2M	$4M	$3M	$1M
	$18M	$19M	$17M	$19M	$23M	$10M	$8M	$7M	$8M	$7M	$6M	$3M
Net Margin	23.2%	24.9%	22.4%	27.5%	41.3%	20.9%	26.2%	24.3%	29.8%	24.1%	24.2%	14.7%
	$3.57	$3.57	$3.16	$3.60	$4.40	$2.16	$2.94	$2.49	$3.18	$2.61	$2.43	$1.23
Diluted EPS	$3.57	$3.55	$3.15	$3.58	$4.38	$2.14	$2.94	$2.49	$3.18	$2.61	$2.43	$1.23
Weighted Avg Basic	—	5M	5M	5M	5M	5M	—	—	—	—	—	—
Weighted Avg Diluted	—	5M	5M	5M	5M	5M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$77M

$76M

$70M

$57M

$48M

$30M

$27M

$28M

$27M

$24M

$21M

—

$24M

$22M

$23M

$21M

$18M

$16M

Gross Margin

0.0%

---

78.4%

79.8%

80.5%

78.4%

76.9%

77.0%

—

$3M

$1M

$2M

Total Operating Expenses

—

$53M

$55M

$47M

$28M

$36M

—

$22M

$24M

$21M

$23M

$29M

$12M

$7M

$6M

$5M

EBIT

$22M

$24M

$21M

$23M

$29M

$12M

$7M

$6M

$5M

EBITDA

$22M

$24M

$21M

$23M

$29M

$12M

$13M

$10M

$12M

$13M

$10M

$6M

Operating Margin

28.8%

31.2%

27.5%

33.3%

50.3%

24.7%

21.6%

20.2%

19.5%

21.6%

23.1%

23.0%

EBITDA Margin

28.8%

31.2%

27.5%

33.3%

50.3%

24.7%

41.8%

35.3%

42.4%

46.3%

42.4%

29.3%

—

$21M

$3M

$4M

$3M

$1M

$937K

$974K

—

$24M

$21M

$23M

$29M

$12M

—

Income Tax Expense

—

$5M

$4M

$5M

$2M

$4M

$3M

$1M

$18M

$19M

$17M

$19M

$23M

$10M

$8M

$7M

$8M

$7M

$6M

$3M

Net Margin

23.2%

24.9%

22.4%

27.5%

41.3%

20.9%

26.2%

24.3%

29.8%

24.1%

24.2%

14.7%

$3.57

$3.16

$3.60

$4.40

$2.16

$2.94

$2.49

$3.18

$2.61

$2.43

$1.23

Diluted EPS

$3.57

$3.55

$3.15

$3.58

$4.38

$2.14

$2.94

$2.49

$3.18

$2.61

$2.43

$1.23

Weighted Avg Basic

—

Weighted Avg Diluted

—

Virginia National Bankshares Corp (VABK) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does Virginia National Bankshares Corp Do?

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 commercial and industrial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential 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, as well as merchant and debit card services; and wealth and investment advisory, brokerage, insurance, consulting, and related services. Further, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations. As of December 31, 2021, the company operated sixteen full-service banking facilities in the cities of Charlottesville, Manassas, Richmond, and Winchester, as well as the counties of Albemarle, Fauquier, and Prince William. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia. Virginia National Bankshares Corp (VABK) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Glenn W. Rust and employs approximately 170 people. With a market capitalization of $209M, VABK is one of the notable companies in the Financials sector.

Virginia National Bankshares Corp (VABK) Stock Rating — Hold (April 2026)

As of April 2026, Virginia National Bankshares Corp receives a Hold rating with a composite score of 54.0/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.VABK ranks #1,009 out of 4,446 stocks in our coverage universe. Within the Financials sector, Virginia National Bankshares Corp ranks #311 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

VABK Stock Price and 52-Week Range

Virginia National Bankshares Corp (VABK) currently trades at $40.50. The stock gained $0.68 (1.7%) in the most recent trading session. The 52-week high for VABK is $44.57, which means the stock is currently trading -9.1% from its annual peak. The 52-week low is $34.12, putting the stock 18.7% above its annual trough. Recent trading volume was 11K shares, suggesting relatively thin trading activity.

Is VABK Overvalued or Undervalued? — Valuation Analysis

Virginia National Bankshares Corp (VABK) carries a value factor score of 74/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 11.70x, compared to the Financials sector average of 14.88x — a discount of 21%. The price-to-book ratio stands at 1.14x, versus the sector average of 1.22x. The price-to-sales ratio is 2.72x, compared to 0.90x for the average Financials stock. On an enterprise value basis, VABK trades at 9.46x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, Virginia National Bankshares Corp appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

Virginia National Bankshares Corp Profitability — ROE, Margins, and Quality Score

Virginia National Bankshares Corp (VABK) earns a quality factor score of 57/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 9.7%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.1% versus the sector average of 1.2%.

On a margin basis, Virginia National Bankshares Corp reports gross margins of 0.0%. The operating margin is 28.8% (sector: 21.8%). Net profit margin stands at 23.2%, versus 17.7% for the average Financials stock. Revenue growth is running at 4.3% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

VABK Debt, Balance Sheet, and Financial Health

Virginia National Bankshares Corp has a debt-to-equity ratio of 796.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.13x, suggesting adequate working capital coverage. Total debt on the balance sheet is $34M. Cash and equivalents stand at $6M.

VABK has a beta of 0.55, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Virginia National Bankshares Corp is 81/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

Virginia National Bankshares Corp Revenue and Earnings History — Quarterly Trend

In TTM 2026, Virginia National Bankshares Corp reported revenue of $77M and earnings per share (EPS) of $3.57. Net income for the quarter was $18M. Gross margin was 0.0%. Operating income came in at $22M.

In FY 2025, Virginia National Bankshares Corp reported revenue of $77M and earnings per share (EPS) of $3.57. Net income for the quarter was $19M. Revenue grew 1.7% year-over-year compared to FY 2024. Operating income came in at $24M.

In Q3 2025, Virginia National Bankshares Corp reported revenue of $19M and earnings per share (EPS) of $0.85. Net income for the quarter was $5M. Revenue grew 0.3% year-over-year compared to Q3 2024. Operating income came in at $6M.

In Q2 2025, Virginia National Bankshares Corp reported revenue of $19M and earnings per share (EPS) of $0.79. Net income for the quarter was $4M. Revenue grew 2.5% year-over-year compared to Q2 2024. Operating income came in at $5M.

Over the past 8 quarters, Virginia National Bankshares Corp has demonstrated a growth trajectory, with revenue expanding from $19M to $77M. Investors analyzing VABK stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

VABK Dividend Yield and Income Analysis

Virginia National Bankshares Corp (VABK) currently pays a dividend yield of 4.4%. At this yield, a $10,000 investment in VABK stock would generate approximately $$441.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning VABK offers above-average income for its sector. With a net margin of 23.2%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

VABK Momentum and Technical Analysis Profile

Virginia National Bankshares Corp (VABK) has a momentum factor score of 42/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 32/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 41/100 reflects moderate short selling activity.

VABK vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Virginia National Bankshares Corp (VABK) ranks #311 out of 891 stocks based on the Blank Capital composite score. This places VABK in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing VABK against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full VABK vs S&P 500 (SPY) comparison to assess how Virginia National Bankshares Corp stacks up against the broader market across all factor dimensions.

VABK Next Earnings Date

No upcoming earnings date has been announced for Virginia National Bankshares Corp (VABK) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy VABK? — Investment Thesis Summary

Virginia National Bankshares Corp presents a balanced picture with arguments on both sides. The value score of 74/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 81/100) reduces downside risk.

In summary, Virginia National Bankshares Corp (VABK) earns a Hold rating with a composite score of 54.0/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on VABK stock.

Related Resources for VABK Investors

Explore more research and tools: VABK vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare VABK head-to-head with peers: VABK vs WTM, VABK vs OPY, VABK vs ACT.

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Virginia National Bankshares Corp (VABK) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does Virginia National Bankshares Corp Do?

Virginia National Bankshares Corp (VABK) Stock Rating — Hold (April 2026)

VABK Stock Price and 52-Week Range

Is VABK Overvalued or Undervalued? — Valuation Analysis

Virginia National Bankshares Corp Profitability — ROE, Margins, and Quality Score

VABK Debt, Balance Sheet, and Financial Health

Virginia National Bankshares Corp Revenue and Earnings History — Quarterly Trend

VABK Dividend Yield and Income Analysis

VABK Momentum and Technical Analysis Profile

VABK vs Competitors — Financials Sector Ranking and Peer Comparison

VABK Next Earnings Date

Should You Buy VABK? — Investment Thesis Summary

Related Resources for VABK Investors

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Virginia National Bankshares Corporation (NASDAQ:VABK) Passed Our Checks, And It's About To Pay A US$0.36 Dividend

VIRGINIA NATIONAL BANKSHARES CORPORATION APPOINTS ROBERT LEE BURROWS, JR. TO BOARD OF DIRECTORS

Virginia National Bankshares declares $0.36 dividend (NASDAQ:VABK)

Investors in Virginia National Bankshares (NASDAQ:VABK) have seen respectable returns of 64% over the past five years

Virginia National Bankshares (VABK) Net Margin Strength Reinforces Bullish Earnings Narratives