Virginia National Bankshares Corporation Common Stock (VABK)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like Virginia National Bankshares through the lens of durable earnings and price paid. It is a $272.8M market-cap holding company for Virginia National Bank, with trust and estate services adding fee income. At the 2026-10-13 close of $50.28, FairStock calculates an 11.03 P/E, 1.40 P/B and 13.57% ROE. That combination is not screaming cheap, but it is reasonable if credit stays sound and earnings are real. The 2.85% dividend yield and 0.45 beta suggest a conservative, income-oriented equity, and FairStock’s 67/100 score and 0.64 PEG imply growth is not fully priced. Filed results show improvement: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $9.0M and diluted EPS $1.65, against $4.2M and $0.78 in fiscal Q2 2025. For FY2025, net income was $19.3M and EPS $3.55, versus FY2024’s $17.0M and $3.15, though FY2023 was similar at $19.3M and $3.58, so the long-term record is steady rather than spectacular. The Lynch label is Stalwart—steady growth—but the Piotroski F-Score of 5/9 is middling, and revenue is n/a in the filed figures. I would want CET1, net interest margin, credit costs and nonperforming loans; those, along with combined ratio (not applicable to a bank), are absent here. Small banks live or die by underwriting, and the numbers here do not let me verify it directly. The stock is near its 52-week high, so the margin of safety depends on continued underwriting discipline.

In plain English: Virginia National Bankshares is a small Virginia bank holding company that takes deposits and makes loans, plus trust and estate services. Its recent profits have been rising, it pays a dividend, and the stock looks reasonably priced compared with its earnings and net worth. It is not a fast grower, and the price is near its 52-week high.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer