ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Virginia National Bankshares Corp. ?
1
High Profitability with a Net Interest Margin of 13.61%
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 17.07%
4
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 26.49 MM
- ROCE(HY) Highest at 1.22%
- GROSS NPA (%)(Q) Lowest at 0.17%
5
With ROA of 0.83%, it has a attractive valuation with a 1.13 Price to Book Value
- Over the past year, while the stock has generated a return of 20.16%, its profits have risen by 16.3% ; the PEG ratio of the company is 0.7
6
High Institutional Holdings at 50.96%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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.
20.16%
1.70
30.34%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.19%
EBIT Growth (5y)
11.96%
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
39.72%
Pledged Shares
0
Institutional Holding
50.96%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.13
EV to EBIT
7.20
EV to EBITDA
6.41
EV to Capital Employed
1.18
EV to Sales
2.00
PEG Ratio
0.68
Dividend Yield
NA
ROCE (Latest)
16.36%
ROE (Latest)
10.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 26.49 MM
ROCE(HY)
Highest at 1.22%
GROSS NPA (%)
(Q
DIVIDEND PER SHARE(HY)
Highest at USD 0
-4What is not working for the Company
ROCE(HY)
Lowest at 1.22%
CASH AND EQV(HY)
Lowest at USD 14.3 MM
NET SALES(Q)
Lowest at USD 18.88 MM
Here's what is working for Virginia National Bankshares Corp.
Operating Cash Flow
Highest at USD 26.49 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Lowest at 0.17%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Virginia National Bankshares Corp.
Net Sales
Lowest at USD 18.88 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Cash and Eqv
Lowest at USD 14.3 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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