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Upturn AI SWOT - About
Virginia National Bankshares Corp (VABK)
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Upturn Advisory Summary
10/15/2025: VABK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -0.85% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
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 |
Upturn AI SWOT
Virginia National Bankshares Corp
Company Overview
History and Background
Virginia National Bankshares Corporation was founded in 1993. It is a bank holding company that provides various banking products and services to individuals and businesses in Virginia and North Carolina.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loan products, and other banking services to individuals, small businesses, and commercial clients.
- Wealth Management: Provides trust, investment management, and financial planning services to individuals and families.
- Mortgage Services: Originates and services residential mortgage loans.
Leadership and Structure
Raymond D. Smoot, Jr. is the Chairman of the Board. Glenn R. Rust is the President and CEO. The company has a typical corporate structure with various departments reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes such as expansion, working capital, and equipment financing. Competitors include Truist Financial (TFC), Bank of America (BAC), and Wells Fargo (WFC). Market share data is not readily available for this specific product segment.
- Mortgage Loans: Provides residential mortgage loans to individuals. Competitors include Rocket Companies (RKT), United Wholesale Mortgage (UWMC), and local banks. Market share data is not readily available for this specific product segment.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include all banks with similar offerings. Market share data is not readily available for this specific product segment.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles.
Positioning
Virginia National Bankshares Corp is a regional bank focused on community banking, wealth management, and mortgage services. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Virginia and North Carolina is estimated to be in the billions of dollars. Virginia National Bankshares Corp is positioned to capture a portion of this market through its community-focused approach. TAM is difficult to assess exactly as economic activity fluctuates.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Diversified revenue streams
- Experienced management team
- Focus on community banking
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Higher operating costs compared to larger banks
- Dependence on local economy
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Technological innovation in banking
- Strategic acquisitions
- Increasing interest rates
Threats
- Increased competition from national banks
- Economic downturn
- Regulatory changes
- Cybersecurity threats
- Rising interest rates decreasing loan demand
Competitors and Market Share
Key Competitors
- Truist Financial (TFC)
- Bank of America (BAC)
- Wells Fargo (WFC)
Competitive Landscape
Virginia National Bankshares Corp faces intense competition from larger national banks with greater resources. Its advantages lie in its local market knowledge and customer service. VABK operates in a highly fragmented market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends unavailable without provided data
Future Projections: Future projections unavailable without provided data
Recent Initiatives: Recent strategic initiatives unavailable without provided data
Summary
Virginia National Bankshares Corp is a community-focused bank with a strong presence in its local market. It faces competition from larger national banks but benefits from its local expertise and customer relationships. Future growth will depend on its ability to expand into new markets and adapt to technological changes and regulatory requirements. Financial information would have to be reviewed to make a firm assessment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
- SEC.gov
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated. Investment decisions should be made with the assistance of a qualified financial advisor.
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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