Virginia National Bankshares Corporation (VABK) Financial Ratios
25 years of historical data (2001–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
11.13
↑+39% vs avg
5yr avg: 7.99
30Y Low2.5·High38.4
P/FCF
↓
11.76
-10% vs avg
5yr avg: 13.00
30Y Low4.6·High59.6
P/B Ratio
↓
1.32
+4% vs avg
5yr avg: 1.28
30Y Low0.7·High2.9
ROE
↑
11.2%
-6% vs avg
5yr avg: 11.9%
30Y Low0%·High16%
Debt/EBITDA
↑
1.24
+0% vs avg
5yr avg: 1.23
30Y Low0.2·High8.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
VABK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Virginia National Bankshares Corporation trades at 12.7x earnings, 7% above its 5-year average of 11.8x, sitting at the 42nd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 9%. On a free-cash-flow basis, the stock trades at 11.8x P/FCF, 10% below the 5-year average of 13.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $244M | $216M | $206M | $185M | $196M | $201M | $74M | $101M | $88M | $94M | $68M |
| Enterprise Value | $268M | $240M | $218M | $236M | $166M | $-144822270 | $99M | $87M | $77M | $117M | $78M |
| P/E Ratio → | 12.68 | 11.23 | 12.13 | 9.60 | 8.37 | 17.70 | 9.20 | 15.14 | 10.43 | 14.38 | 11.80 |
| P/S Ratio | 2.93 | 2.59 | 2.49 | 2.34 | 2.80 | 3.42 | 2.18 | 3.21 | 2.85 | 3.34 | 2.79 |
| P/B Ratio | 1.32 | 1.17 | 1.28 | 1.21 | 1.47 | 1.24 | 0.89 | 1.33 | 1.25 | 1.45 | 1.15 |
| P/FCF | 11.76 | 10.40 | 14.15 | 14.51 | 8.86 | 17.08 | 8.12 | 11.07 | 8.09 | 11.30 | 14.43 |
| P/OCF | 11.44 | 10.12 | 13.47 | 13.29 | 8.65 | 15.39 | 7.95 | 10.85 | 7.51 | 10.71 | 12.84 |
P/E links to full P/E history page with 30-year chart
VABK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Virginia National Bankshares Corporation's enterprise value stands at 11.1x EBITDA, 39% above its 5-year average of 8.0x. This is roughly in line with the Financial Services sector median of 11.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.88 | 2.64 | 2.99 | 2.37 | -2.47 | 2.93 | 2.74 | 2.47 | 4.14 | 3.18 |
| EV / EBITDA | 11.13 | 9.96 | 8.67 | 8.43 | 4.93 | -8.88 | 8.25 | 9.19 | 6.51 | 9.57 | 8.06 |
| EV / EBIT | 11.13 | 9.96 | 10.43 | 10.15 | 5.80 | -12.15 | 9.86 | 10.53 | 7.26 | 10.67 | 9.29 |
| EV / FCF | — | 11.56 | 14.98 | 18.55 | 7.48 | -12.30 | 10.94 | 9.45 | 7.02 | 14.03 | 16.49 |
VABK Profitability
Margins and return-on-capital ratios measuring operating efficiency
Virginia National Bankshares Corporation earns an operating margin of 28.9%, above the Financial Services sector average of 20.2%. ROE of 11.2% is modest. ROIC of 9.0% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.0% | 69.0% | 65.0% | 72.5% | 95.3% | 92.7% | 85.3% | 82.1% | 85.0% | 94.1% | 95.7% |
| Operating Margin | 28.9% | 28.9% | 25.3% | 29.4% | 40.8% | 20.3% | 29.7% | 26.0% | 34.0% | 38.8% | 34.2% |
| Net Profit Margin | 23.1% | 23.1% | 20.5% | 24.4% | 33.5% | 17.1% | 23.6% | 21.2% | 27.3% | 23.2% | 23.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.2% | 11.2% | 10.8% | 13.4% | 15.9% | 8.2% | 10.1% | 9.1% | 12.5% | 10.6% | 10.0% |
| ROA | 1.2% | 1.2% | 1.0% | 1.2% | 1.3% | 0.7% | 1.0% | 1.0% | 1.3% | 1.0% | 1.0% |
| ROIC | 9.0% | 9.0% | 7.4% | 9.3% | 13.6% | 6.2% | 7.8% | 8.4% | 9.3% | 9.2% | 7.9% |
| ROCE | 2.6% | 2.6% | 9.9% | 12.5% | 18.1% | 8.3% | 10.4% | 11.2% | 15.5% | 17.6% | 14.5% |
VABK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Virginia National Bankshares Corporation carries a Debt/EBITDA ratio of 1.2x, which is manageable (71% below the sector average of 4.3x). Net debt stands at $24M ($30M total debt minus $6M cash). Interest coverage of just 0.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.16 | 0.16 | 0.18 | 0.52 | 0.07 | 0.06 | 0.41 | — | — | 0.52 | 0.33 |
| Debt / EBITDA | 1.24 | 1.24 | 1.16 | 2.85 | 0.29 | 0.64 | 2.80 | — | — | 2.79 | 2.05 |
| Net Debt / Equity | — | 0.13 | 0.08 | 0.34 | -0.23 | -2.14 | 0.31 | -0.20 | -0.17 | 0.35 | 0.16 |
| Net Debt / EBITDA | 0.99 | 0.99 | 0.48 | 1.84 | -0.91 | -21.20 | 2.12 | -1.58 | -1.00 | 1.86 | 1.00 |
| Debt / FCF | — | 1.15 | 0.83 | 4.05 | -1.38 | -29.38 | 2.81 | -1.63 | -1.08 | 2.72 | 2.05 |
| Interest Coverage | 0.94 | 0.94 | 0.71 | 1.11 | 8.97 | 3.63 | 3.00 | 1.92 | 3.78 | 8.88 | 8.91 |
VABK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Virginia National Bankshares Corporation's current ratio of 3.53x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.33x to 3.53x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 3.53 | 3.53 | 0.02 | 0.33 | 0.40 | 0.37 | 0.26 | 0.22 | 0.14 | 0.15 | 0.13 |
| Quick Ratio | 3.53 | 3.53 | 0.02 | 0.33 | 0.40 | 0.37 | 0.26 | 0.22 | 0.14 | 0.15 | 0.13 |
| Cash Ratio | 3.53 | 3.53 | 0.01 | 0.02 | 0.03 | 0.20 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
VABK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Virginia National Bankshares Corporation returns 3.1% to shareholders annually primarily through dividends. The payout ratio of 39.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.1% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 39.5% | 39.5% | 41.8% | 36.7% | 27.3% | 63.6% | 40.7% | 47.0% | 29.1% | 21.1% | 19.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.9% | 8.9% | 8.2% | 10.4% | 11.9% | 5.6% | 10.9% | 6.6% | 9.6% | 7.0% | 8.5% |
| FCF Yield | 8.5% | 9.6% | 7.1% | 6.9% | 11.3% | 5.9% | 12.3% | 9.0% | 12.4% | 8.8% | 6.9% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.1% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $5M | $5M | $5M | $5M | $5M | $3M | $3M | $3M | $3M | $3M |
Peer Comparison
Compare VABK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 VABKYou | $244M | 12.7 | 11.1 | 11.8 | 69.0% | 28.9% | 11.2% | 9.0% | 1.2 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CZWI | $207M | 14.7 | 15.7 | 19.9 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 MNSB | $184M | 14.2 | 11.9 | 17.3 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 NKSH | $231M | 14.6 | 11.7 | 15.3 | 65.1% | 22.5% | 9.3% | 8.4% | 0.1 |
 CARE | $662M | 21.3 | 18.4 | 20.8 | 61.7% | 15.7% | 7.8% | 5.7% | 4.5 |
 FXNC | $273M | 15.4 | 7.0 | 13.0 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 BWFG | $444M | 12.5 | 7.6 | 17.0 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 MVBF | $365M | 13.8 | 5.4 | 172.8 | 71.7% | 13.6% | 8.4% | 7.0% | 2.1 |
 FIS | $20B | 52.3 | 6.5 | 7.2 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISI | $746M | 10.5 | 10.6 | 54.8 | 61.7% | 24.2% | 12.5% | 7.7% | 3.7 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 25 years · Updated daily
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Compare NowVABK — Frequently Asked Questions
Quick answers to the most common questions about buying VABK stock.
What is Virginia National Bankshares Corporation's P/E ratio?
Virginia National Bankshares Corporation's current P/E ratio is 12.7x. The historical average is 21.0x. This places it at the 42th percentile of its historical range.
What is Virginia National Bankshares Corporation's EV/EBITDA?
Virginia National Bankshares Corporation's current EV/EBITDA is 11.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.9x.
What is Virginia National Bankshares Corporation's ROE?
Virginia National Bankshares Corporation's return on equity (ROE) is 11.2%. The historical average is 8.4%.
Is VABK stock overvalued?
Based on historical data, Virginia National Bankshares Corporation is trading at a P/E of 12.7x. This is at the 42th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Virginia National Bankshares Corporation's dividend yield?
Virginia National Bankshares Corporation's current dividend yield is 3.12% with a payout ratio of 39.5%.
What are Virginia National Bankshares Corporation's profit margins?
Virginia National Bankshares Corporation has 69.0% gross margin and 28.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Virginia National Bankshares Corporation have?
Virginia National Bankshares Corporation's Debt/EBITDA ratio is 1.2x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.