Virginia National Bankshares Corp. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bankwell Financial Group, Inc.

Community West Bancshares

Parke Bancorp, Inc.

Virginia National Bankshares Corp.

Colony Bankcorp, Inc.

Princeton Bancorp, Inc.

Chemung Financial Corp.

C&F Financial Corp.

Codorus Valley Bancorp, Inc.

California BanCorp

BCB Bancorp, Inc.

Why is Virginia National Bankshares Corp. ?

High Profitability with a Net Interest Margin of 13.61%

The Bank has a high Capital Adequacy Ratio of 16.60% signifying high buffers against its risk based assets

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%

Positive results in Dec 25

NII(Q) Highest at USD 13.35 MM
ROCE(HY) Highest at 1.18%
OPERATING PROFIT(Q) Highest at USD 7.58 MM

With ROA of 0.83%, it has a attractive valuation with a 1.16 Price to Book Value

Over the past year, while the stock has generated a return of 6.51%, its profits have risen by 16.3% ; the PEG ratio of the company is 0.7

High Institutional Holdings at 50.47%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 5.66% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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.

9.75%

0.91

32.32%

S&P 500

16.12%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

23.19%

EBIT Growth (5y)

11.96%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

39.72%

Pledged Shares

Institutional Holding

50.47%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.16

EV to EBIT

7.49

EV to EBITDA

6.66

EV to Capital Employed

1.22

EV to Sales

2.08

PEG Ratio

0.70

Dividend Yield

ROCE (Latest)

16.36%

ROE (Latest)

10.46%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

15What is working for the Company

NII(Q)

Highest at USD 13.35 MM

ROCE(HY)

Highest at 1.18%

OPERATING PROFIT(Q)

Highest at USD 7.58 MM

PRE-TAX PROFIT(Q)

Highest at USD 7.58 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 19.63 MM

OPERATING PROFIT MARGIN(Q)

Highest at 38.62 %

NET PROFIT(Q)

Highest at USD 5.96 MM

EPS(Q)

Highest at USD 1.1

-7What is not working for the Company

ROCE(HY)

Lowest at 1.18%

GROSS NPA (%)

CASH AND EQV(HY)

Lowest at USD 11.97 MM

Here's what is working for Virginia National Bankshares Corp.

NII

Highest at USD 13.35 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit

Highest at USD 7.58 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 7.58 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Sales

Highest at USD 19.63 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit Margin

Highest at 38.62 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

At USD 7.58 MM has Grown at 38.96%

over average net sales of the previous four periods of USD 5.46 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 5.96 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.1

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Virginia National Bankshares Corp.

Non Performing Loans (%)

Highest at 0.75%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Cash and Eqv

Lowest at USD 11.97 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents