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Upturn AI SWOT - About
Virginia National Bankshares Corp (VABK)
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Upturn Advisory Summary
06/30/2025: VABK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4.72% | Avg. Invested days 32 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 197.45M USD | Price to earnings Ratio 11.1 | 1Y Target Price - |
Price to earnings Ratio 11.1 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.53 | 52 Weeks Range 28.78 - 42.85 | Updated Date 06/29/2025 |
52 Weeks Range 28.78 - 42.85 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.93% | Basic EPS (TTM) 3.3 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.41% | Operating Margin (TTM) 41.71% |
Management Effectiveness
Return on Assets (TTM) 1.1% | Return on Equity (TTM) 11.15% |
Valuation
Trailing PE 11.1 | Forward PE - | Enterprise Value 196425264 | Price to Sales(TTM) 3.59 |
Enterprise Value 196425264 | Price to Sales(TTM) 3.59 | ||
Enterprise Value to Revenue 4.16 | Enterprise Value to EBITDA - | Shares Outstanding 5391980 | Shares Floating 4713506 |
Shares Outstanding 5391980 | Shares Floating 4713506 | ||
Percent Insiders 12.36 | Percent Institutions 44.21 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Virginia National Bankshares Corp
Company Overview
History and Background
Virginia National Bankshares Corporation (OTCQX: VABK) was founded in 1900 as First National Bank of Orange. It has grown organically and through acquisitions to become a community bank focused on serving Central and Northern Virginia.
Core Business Areas
- Commercial Banking: Offers a variety of lending and deposit products and services to businesses, including commercial real estate, construction, and equipment financing. Includes treasury management, merchant services, and other commercial banking solutions.
- Retail Banking: Provides a full range of retail banking services to individuals and families, including checking and savings accounts, mortgages, personal loans, and wealth management services.
- Wealth Management: Provides trust and investment services to high-net-worth individuals, families, and institutions.
Leadership and Structure
Raymond D. Smoot, Jr. serves as the chairman. Glenn W. Rust is the President and CEO. The organizational structure includes various departments like Commercial Lending, Retail Banking, Finance, and Operations, overseen by senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans include commercial real estate, construction, and equipment financing. Market share information specific to VABK is difficult to obtain but can be estimated based on overall regional bank market share. Competitors include larger national banks and other regional players. Revenue is based on interest income from the loans. Estimated contribution to revenue is about 45%.
- Residential Mortgages: Offers various mortgage products for home purchase and refinancing. Specific market share data unavailable. Competitors: National mortgage lenders, credit unions. Estimated contribution to revenue is about 20%.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Revenue is generated through fees and from the interest earned by lending out these deposits. Competitors: All Banks, Credit Unions, Online banks. Estimated contribution to revenue is about 35%.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to rising interest rates, increased competition from fintech companies, and potential economic slowdown. Regulatory changes and cybersecurity threats are also significant concerns.
Positioning
Virginia National Bankshares Corp is a community bank focusing on providing personalized service and local decision-making, differentiating itself from larger national banks. This positions it to serve small to medium-sized businesses and individuals seeking relationship-based banking.
Total Addressable Market (TAM)
The TAM for banking services in Central and Northern Virginia is estimated to be in the billions of dollars. VABK captures a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Strong customer relationships
- High-quality loan portfolio
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating costs compared to larger banks
- Dependence on local economy
- Lower technological advancement
Opportunities
- Expanding into new markets within Virginia
- Acquiring smaller community banks
- Investing in technology to improve customer experience
- Increasing wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan quality
- Rising interest rates affecting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- BBT
- ALLY
- Capital One Financial Corp (COF)
Competitive Landscape
VABK competes with larger regional and national banks. Its advantage is its local focus and personalized service. A disadvantage is its limited resources compared to larger institutions.
Major Acquisitions
First Bank of Powhatan
- Year: 2018
- Acquisition Price (USD millions): 15
- Strategic Rationale: Expansion into a new market within Central Virginia.
Growth Trajectory and Initiatives
Historical Growth: VABK has experienced moderate growth over the past few years, primarily through organic growth and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion in Virginia and increased adoption of digital banking services.
Recent Initiatives: Recent initiatives include investments in technology to enhance online banking and mobile banking capabilities.
Summary
Virginia National Bankshares Corp. is a community-focused bank with a solid local presence and experienced leadership. Strengths lie in strong customer relationships and a high-quality loan portfolio. Threats include competition from larger banks and potential economic downturns. Expanding digital services and capitalizing on acquisition opportunities are key for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (Illustrative)
- Industry Reports (Illustrative)
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Actual financial data may vary. Market share figures are estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Virginia National Bankshares Corp
Exchange NASDAQ | Headquaters Charlottesville, VA, United States | ||
IPO Launch date 1998-11-16 | President, CEO & Director Mr. Glenn Wilfred Rust | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 239 | Website https://www.vnb.com |
Full time employees 239 | Website https://www.vnb.com | ||
Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking products and services in Virginia. The company operates through Bank, VNB Trust and Estate Services, and Masonry Capital segments. It provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. The company also offers commercial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. In addition, it provides automated teller machine, internet banking, treasury, and cash management services; merchant and debit card services; and investment advisory and management services. Further, the company offers investment management, wealth management, corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custody services. It serves individuals, businesses, and charitable organizations. The company was founded in 1998 and is headquartered in Charlottesville, Virginia.
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