Reviewing Virginia National Bankshares (VABK) & Its Peers

Virginia National Bankshares (NASDAQ:VABK) is one of 920 publicly-traded companies in the “Banks” industry, but how does it compare to its rivals? We will compare Virginia National Bankshares to similar companies based on the strength of its profitability, analyst recommendations, earnings, valuation, institutional ownership, dividends and risk.

Analyst Ratings

This is a summary of current ratings for Virginia National Bankshares and its rivals, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Virginia National Bankshares	0	1	0	0	2.00
Virginia National Bankshares Competitors	7449	30129	27677	1445	2.35

As a group, “Banks” companies have a potential upside of 14.92%. Given Virginia National Bankshares’ rivals stronger consensus rating and higher possible upside, analysts plainly believe Virginia National Bankshares has less favorable growth aspects than its rivals.

Risk & Volatility

Virginia National Bankshares has a beta of 0.44, indicating that its stock price is 56% less volatile than the S&P 500. Comparatively, Virginia National Bankshares’ rivals have a beta of 0.60, indicating that their average stock price is 40% less volatile than the S&P 500.

Profitability

This table compares Virginia National Bankshares and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Virginia National Bankshares	28.18%	13.36%	1.52%
Virginia National Bankshares Competitors	15.48%	9.50%	0.93%

Insider & Institutional Ownership

37.4% of Virginia National Bankshares shares are owned by institutional investors. Comparatively, 47.9% of shares of all “Banks” companies are owned by institutional investors. 14.4% of Virginia National Bankshares shares are owned by company insiders. Comparatively, 9.8% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Dividends

Virginia National Bankshares pays an annual dividend of $1.44 per share and has a dividend yield of 2.8%. Virginia National Bankshares pays out 31.6% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.2% and pay out 28.9% of their earnings in the form of a dividend. Virginia National Bankshares lags its rivals as a dividend stock, given its lower dividend yield and higher payout ratio.

Earnings and Valuation

This table compares Virginia National Bankshares and its rivals gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Virginia National Bankshares	$83.34 million	$19.26 million	11.23
Virginia National Bankshares Competitors	$37.86 billion	$2.41 billion	19.02

Virginia National Bankshares’ rivals have higher revenue and earnings than Virginia National Bankshares. Virginia National Bankshares is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Summary

Virginia National Bankshares rivals beat Virginia National Bankshares on 11 of the 15 factors compared.

About Virginia National Bankshares

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking services. The company operates through Bank, Sturman Wealth Advisors, 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. In addition, the company offers commercial and industrial 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. Further, it provides automated teller machines, internet banking, treasury, and cash management services; merchant and debit card services; and wealth and investment advisory, and brokerage services. Additionally, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations in the Charlottesville/Albemarle County, Fauquier County, Manassas, Prince William County, Richmond, and Winchester market areas in Virginia. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia.