VABK
Virginia National Bankshares Corporation
Banks - Regional
Market Cap$244M
5Y Perf.+78.2%
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Side-by-side financial analysisVABK
CARE
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Stock Comparison
VABK vs CARE
Revenue, margins, valuation, and 5-year total return — side by side.
CARE
Carter Bankshares, Inc.
Banks - Regional
Market Cap$662M
5Y Perf.+270.2%
VABK vs CARE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  VABK |  CARE |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $244M | $662M |
| Revenue (TTM) | $83M | $252M |
| Net Income (TTM) | $19M | $31M |
| Gross Margin | 69.0% | 61.2% |
| Operating Margin | 28.9% | 15.9% |
| Forward P/E | 12.7x | 5.5x |
| Total Debt | $30M | $179M |
| Cash & Equiv. | $6M | $105M |
VABK vs CARE — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
VABK
CARE
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Virginia National B… (VABK) | 100 | 178.2 | +78.2% |
| Carter Bankshares, … (CARE) | 100 | 370.2 | +270.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: VABK vs CARE
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: VABK leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Carter Bankshares, Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
🥇VABK emerged as the overall leader. Track its performance:
VABK
Virginia National Bankshares Corporation
The Banking Pick
VABK carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 0.48, yield 3.1%
- 146.5% 10Y total return vs CARE's 141.7%
- Lower volatility, beta 0.48, Low D/E 16.2%, current ratio 3.53x
Best for: income & stability and long-term compounding
CARE
Carter Bankshares, Inc.
The Banking Pick
CARE is the clearest fit if your priority is growth exposure.
- Rev growth 6.2%, EPS growth 32.1%
- 6.2% NII/revenue growth vs VABK's 0.9%
- +79.6% vs VABK's +24.1%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  CARE | 6.2% NII/revenue growth vs VABK's 0.9% |
| Value |  VABK | Better valuation composite |
| Quality / Margins | VABK | Efficiency ratio 0.4% vs CARE's 0.5% (lower = leaner) |
| Stability / Safety | VABK | Beta 0.48 vs CARE's 0.58, lower leverage |
| Dividends | VABK | 3.1% yield; 1-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | CARE | +79.6% vs VABK's +24.1% |
| Efficiency (ROA) | VABK | Efficiency ratio 0.4% vs CARE's 0.5% |
VABK vs CARE — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
VABK vs CARE — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLVABKLAGGINGCARE
CARECarter Bankshares, In…
1leads
VABKVirginia National Ban…
4leads
6 Total Categories
CATEGORYLEADERvs CAREMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
VABK5/5
Valuation MetricsMultiples, price ratios, and targets
VABK4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
VABK8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CARE5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
VABK1/1
Income & Cash Flow (Last 12 Months)
VABK leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
CARE is the larger business by revenue, generating $252M annually — 3.0x VABK's $83M. VABK is the more profitable business, keeping 23.1% of every revenue dollar as net income compared to CARE's 12.5%.
| Metric | VABKVirginia National… | CARECarter Bankshares… |
|---|---|---|
| RevenueTrailing 12 months | $83M | $252M |
| EBITDAEarnings before interest/tax | $26M | $46M |
| Net IncomeAfter-tax profit | $19M | $31M |
| Free Cash FlowCash after capex | $21M | $30M |
| Gross MarginGross profit ÷ Revenue | +69.0% | +61.2% |
| Operating MarginEBIT ÷ Revenue | +28.9% | +15.9% |
| Net MarginNet income ÷ Revenue | +23.1% | +12.5% |
| FCF MarginFCF ÷ Revenue | +24.9% | +11.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +31.0% | +8.3% |
VABK leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
VABK leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 12.7x trailing earnings, VABK trades at a 41% valuation discount to CARE's 21.3x P/E. On an enterprise value basis, VABK's 11.1x EV/EBITDA is more attractive than CARE's 18.4x.
| Metric | VABKVirginia National… | CARECarter Bankshares… |
|---|---|---|
| Market CapShares × price | $244M | $662M |
| Enterprise ValueMkt cap + debt − cash | $268M | $735M |
| Trailing P/EPrice ÷ TTM EPS | 12.68x | 21.34x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 5.47x |
| PEG RatioP/E ÷ EPS growth rate | 3.36x | — |
| EV / EBITDAEnterprise value multiple | 11.13x | 18.38x |
| Price / SalesMarket cap ÷ Revenue | 2.93x | 2.60x |
| Price / BookPrice ÷ Book value/share | 1.32x | 1.60x |
| Price / FCFMarket cap ÷ FCF | 11.76x | 20.81x |
VABK leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
VABK leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
VABK delivers a 11.0% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $8 for CARE. VABK carries lower financial leverage with a 0.16x debt-to-equity ratio, signaling a more conservative balance sheet compared to CARE's 0.43x. On the Piotroski fundamental quality scale (0–9), CARE scores 8/9 vs VABK's 6/9, reflecting strong financial health.
| Metric | VABKVirginia National… | CARECarter Bankshares… |
|---|---|---|
| ROE (TTM)Return on equity | +11.0% | +7.6% |
| ROA (TTM)Return on assets | +1.2% | +0.7% |
| ROICReturn on invested capital | +9.0% | +5.7% |
| ROCEReturn on capital employed | +2.6% | +1.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 8 |
| Debt / EquityFinancial leverage | 0.16x | 0.43x |
| Net DebtTotal debt minus cash | $24M | $73M |
| Cash & Equiv.Liquid assets | $6M | $105M |
| Total DebtShort + long-term debt | $30M | $179M |
| Interest CoverageEBIT ÷ Interest expense | 0.94x | 0.39x |
VABK leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CARE leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CARE five years ago would be worth $20,802 today (with dividends reinvested), compared to $15,088 for VABK. Over the past 12 months, CARE leads with a +79.6% total return vs VABK's +24.1%. The 3-year compound annual growth rate (CAGR) favors CARE at 24.7% vs VABK's 17.4% — a key indicator of consistent wealth creation.
| Metric | VABKVirginia National… | CARECarter Bankshares… |
|---|---|---|
| YTD ReturnYear-to-date | +15.2% | +54.3% |
| 1-Year ReturnPast 12 months | +24.1% | +79.6% |
| 3-Year ReturnCumulative with dividends | +61.9% | +93.9% |
| 5-Year ReturnCumulative with dividends | +50.9% | +108.0% |
| 10-Year ReturnCumulative with dividends | +146.5% | +141.7% |
| CAGR (3Y)Annualised 3-year return | +17.4% | +24.7% |
CARE leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — VABK and CARE each lead in 1 of 2 comparable metrics.
Risk & Volatility
VABK is the less volatile stock with a 0.48 beta — it tends to amplify market swings less than CARE's 0.58 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CARE currently trades 99.6% from its 52-week high vs VABK's 92.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | VABKVirginia National… | CARECarter Bankshares… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.48x | 0.58x |
| 52-Week HighHighest price in past year | $48.58 | $29.99 |
| 52-Week LowLowest price in past year | $36.48 | $16.14 |
| % of 52W HighCurrent price vs 52-week peak | +92.6% | +99.6% |
| RSI (14)Momentum oscillator 0–100 | 63.0 | 72.8 |
| Avg Volume (50D)Average daily shares traded | 6K | 316K |
Evenly matched — VABK and CARE each lead in 1 of 2 comparable metrics.
Analyst Outlook
VABK leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
VABK is the only dividend payer here at 3.12% yield — a key consideration for income-focused portfolios.
| Metric | VABKVirginia National… | CARECarter Bankshares… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $28.50 |
| # AnalystsCovering analysts | — | 5 |
| Dividend YieldAnnual dividend ÷ price | +3.1% | — |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $1.40 | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +3.0% |
VABK leads this category, winning 1 of 1 comparable metric.
Key Takeaway
VABK leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). CARE leads in 1 (Total Returns). 1 tied.
Best OverallVirginia National Bankshare… (VABK)Leads 4 of 6 categories
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VABK vs CARE: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is VABK or CARE a better buy right now?
For growth investors, Carter Bankshares, Inc.
(CARE) is the stronger pick with 6. 2% revenue growth year-over-year, versus 0. 9% for Virginia National Bankshares Corporation (VABK). Virginia National Bankshares Corporation (VABK) offers the better valuation at 12. 7x trailing P/E, making it the more compelling value choice. Analysts rate Carter Bankshares, Inc. (CARE) a "Hold" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — VABK or CARE?
On trailing P/E, Virginia National Bankshares Corporation (VABK) is the cheapest at 12.
7x versus Carter Bankshares, Inc. at 21. 3x.
03Which is the better long-term investment — VABK or CARE?
Over the past 5 years, Carter Bankshares, Inc.
(CARE) delivered a total return of +108. 0%, compared to +50. 9% for Virginia National Bankshares Corporation (VABK). Over 10 years, the gap is even starker: VABK returned +146. 5% versus CARE's +141. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — VABK or CARE?
By beta (market sensitivity over 5 years), Virginia National Bankshares Corporation (VABK) is the lower-risk stock at 0.
48β versus Carter Bankshares, Inc. 's 0. 58β — meaning CARE is approximately 20% more volatile than VABK relative to the S&P 500. On balance sheet safety, Virginia National Bankshares Corporation (VABK) carries a lower debt/equity ratio of 16% versus 43% for Carter Bankshares, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — VABK or CARE?
By revenue growth (latest reported year), Carter Bankshares, Inc.
(CARE) is pulling ahead at 6. 2% versus 0. 9% for Virginia National Bankshares Corporation (VABK). On earnings-per-share growth, the picture is similar: Carter Bankshares, Inc. grew EPS 32. 1% year-over-year, compared to 12. 7% for Virginia National Bankshares Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — VABK or CARE?
Virginia National Bankshares Corporation (VABK) is the more profitable company, earning 23.
1% net margin versus 12. 3% for Carter Bankshares, Inc. — meaning it keeps 23. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: VABK leads at 28. 9% versus 15. 7% for CARE. At the gross margin level — before operating expenses — VABK leads at 69. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Which pays a better dividend — VABK or CARE?
In this comparison, VABK (3.
1% yield) pays a dividend. CARE does not pay a meaningful dividend and should not be held primarily for income.
08Is VABK or CARE better for a retirement portfolio?
For long-horizon retirement investors, Virginia National Bankshares Corporation (VABK) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
48), 3. 1% yield, +146. 5% 10Y return). Both have compounded well over 10 years (VABK: +146. 5%, CARE: +141. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between VABK and CARE?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: VABK is a small-cap deep-value stock; CARE is a small-cap quality compounder stock. VABK pays a dividend while CARE does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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