| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | — | — | — | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2026 | 1.08 |
—
—
—
|
| 2025 | 1.41 |
—
—
—
—
|
| 2024 | 1.32 |
—
—
—
—
|
| 2023 | 1.32 |
—
—
—
—
|
| 2022 | 1.20 |
—
—
—
—
|
| 2021 | 1.20 |
—
—
—
—
|
| 2020 | 1.20 |
—
—
—
—
|
| 2019 | 1.19 |
—
—
—
—
|
| 2018 | 1.03 |
—
—
—
—
|
| 2017 | 0.73 |
—
—
—
—
—
|
| 2016 | 0.44 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 28.39 | 17.10 | 70.61 | 77.35 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 1,126.95 | 1,259.14 | 1,313.76 | 1,316.01 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 1,409.10 | 1,423.55 | 1,431.73 | 1,409.20 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 1,419.97 | 1,431.14 | 1,439.39 | 1,418.04 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 20.37 | 25.53 | — | — |
—
|
| ’25 | 20.77 | 20.45 | 20.82 | 21.31 |
83.34
|
| ’24 | 20.74 | 20.35 | 20.86 | 21.57 |
83.52
|
| ’23 | 18.65 | 20.38 | 19.86 | 20.21 |
79.09
|
| ’22 | 17.13 | 16.81 | 17.25 | 19.20 |
70.39
|
| ’21 | 7.71 | 17.05 | 17.61 | 16.37 |
58.74
|
| ’20 | 8.23 | 8.14 | 8.20 | 9.23 |
33.80
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 7.24 | 3.50 | — | — |
—
|
| ’25 | 2.09 | 6.74 | 5.98 | 6.53 |
21.33
|
| ’24 | 3.17 | (6.42) | 15.18 | 3.36 |
15.29
|
| ’23 | 7.01 | 3.11 | 0.58 | 3.21 |
13.90
|
| ’22 | 9.39 | 0.28 | 7.79 | 5.23 |
22.69
|
| ’21 | 3.19 | 1.28 | 2.63 | 5.97 |
13.07
|
| ’20 | 2.89 | 2.04 | 1.72 | 2.60 |
9.25
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 7.10 | 3.49 | — | — |
—
|
| ’25 | 4.88 | 6.71 | 6.05 | 6.38 |
24.02
|
| ’24 | 3.18 | (6.76) | 15.06 | 3.18 |
14.66
|
| ’23 | 7.74 | 2.84 | 1.61 | 2.91 |
15.09
|
| ’22 | 9.24 | 6.30 | 7.61 | 5.30 |
28.45
|
| ’21 | 3.04 | 0.60 | 2.43 | 5.73 |
11.81
|
| ’20 | 2.80 | 2.05 | 1.67 | 2.53 |
9.05
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.97 | 1.65 | — | — |
—
|
| ’25 | 0.83 | 0.78 | 0.84 | 1.10 |
3.55
|
| ’24 | 0.68 | 0.77 | 0.85 | 0.85 |
3.15
|
| ’23 | 1.08 | 1.05 | 0.86 | 0.59 |
3.58
|
| ’22 | 0.92 | 1.06 | 1.08 | 1.32 |
4.38
|
| ’21 | 0.55 | 0.03 | 0.59 | 0.98 |
2.13
|
| ’20 | 0.52 | 0.77 | 0.69 | 0.96 |
2.94
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 27.05 | 24.96 | 24.06 | 33.66 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 40.00 | 43.08 | 44.00 | 44.57 | — | — | — |
High Price
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 166 | 163 | 155 | 148 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.42 | 0.49 | 0.54 | 0.56 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 70.39 | 79.09 | 83.52 | 83.34 | — | — | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 95.48% | 73.42% | 64.62% | 69.12% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 28.55 | 23.27 | 20.90 | 24.08 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 40.55% | 29.43% | 25.02% | 28.90% | — | — | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 23.44 | 19.26 | 16.97 | 19.26 | — | — | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.72 | 2.33 | 4.78 | 4.79 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 13.22 | 14.76 | 15.55 | 15.47 | — | — | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 4.40 | 3.60 | 3.16 | 3.57 | — | — | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.26 | 2.60 | 2.85 | 3.96 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.08 | 0.22 | (0.12) | 0.50 | — | — | — |
Capex/Sh
|
| ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.34 | 2.82 | 2.73 | 4.46 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 25.06 | 28.57 | 29.84 | 34.17 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.32 | 5.36 | 5.37 | 5.39 | — | — | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.16 | 10.29 | 12.09 | 11.16 | — | — | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.72 | 2.50 | 2.46 | 2.58 | — | — | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.43 | 1.29 | 1.28 | 1.17 | — | — | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.29 | 3.53 | 3.01 | 2.49 | — | — | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.66 | 18.49 | 17.13 | 8.62 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 22.69 | 13.90 | 15.29 | 21.33 | — | — | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.77 | 1.19 | (0.63) | 2.69 | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 28.45 | 15.09 | 14.66 | 24.02 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (499.26) | (293.03) | (172.00) | (125.63) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.00 | 66.50 | 20.00 | 20.00 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (30.14) | 38.11 | 2.90 | (50.61) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 133.42 | 153.04 | 160.30 | 184.16 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.30% | 1.18% | 1.04% | 1.18% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | 17.42% | 7.61% | 8.00% | 11.27% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 15.87% | 13.45% | 10.83% | 11.18% | — | — | — |
ROE
|
Virginia National Bankshares (VABK) dazzled with a transformative 2021 acquisition that doubled shares outstanding and revenue by 74%, fueling a scale-up in Virginia’s cutthroat banking scene. Yet, this merger high has faded into decelerating growth—revenue up just 6% in 2024—and per-share metrics like free cash flow cratering 49% from peaks, as dilution drags and high rates bite. Stock’s 66% surge from 2024 lows to near multi-year highs masks these tremors, trading at a premium that reeks of complacency.
Profitability is the real gut punch: net interest margins imploded from 95% gross to 65%, ROE slumped from 16% to 11%, and earnings contracted 28%, all amid Fed hikes squeezing deposits harder than loans yield. No insider trades signal conviction either way, analyst targets are MIA, and multiples like 12x PE and 1.28x PB scream overvaluation decoupled from eroding ROIC and volatile debt.
Contrarians, take note: VABK’s rally bakes in unproven optimism, ignoring recession risks and deposit flight potential in a post-SVB world. Fade until margins stabilize or insiders pounce—regional banks don’t rerate higher without blood, sweat, and proof.
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