ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Virginia National Bankshares Corp. ?
1
High Profitability with a Net Interest Margin of 14.88%
2
The Bank has a high Capital Adequacy Ratio of 16.60% signifying high buffers against its risk based assets
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 20.26%
4
Positive results in Jun 25
- NII(Q) Highest at USD 12.8 MM
- OPERATING CASH FLOW(Y) Highest at USD 27.37 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 0.21%
5
With ROA of 0.70%, it has a fair valuation with a 1.19 Price to Book Value
- Over the past year, while the stock has generated a return of -5.25%, its profits have risen by 1.6% ; the PEG ratio of the company is 7.4
6
High Institutional Holdings at 45.52%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -5.25% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Virginia National Bankshares Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Virginia National Bankshares Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Virginia National Bankshares Corp.
-2.23%
1.17
31.20%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.95%
EBIT Growth (5y)
12.62%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
41.95%
Pledged Shares
0
Institutional Holding
45.52%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.19
EV to EBIT
10.91
EV to EBITDA
8.76
EV to Capital Employed
1.21
EV to Sales
2.46
PEG Ratio
7.41
Dividend Yield
NA
ROCE (Latest)
11.06%
ROE (Latest)
10.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 12.8 MM
OPERATING CASH FLOW(Y)
Highest at USD 27.37 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0.21%
DIVIDEND PER SHARE(HY)
Highest at USD 0
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Virginia National Bankshares Corp.
NII
Highest at USD 12.8 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Credit Deposit Ratio
Highest at 0.21% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Operating Cash Flow
Highest at USD 27.37 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 18.65%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
