Virginia National Bankshares Corporation cash flow to debt ratio of 71.72% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Virginia National Bankshares Corporation's free cash flow has increased 42.56% from $14.56M last year to $20.75M, signaling increasing performance

Virginia National Bankshares Corporation's debt to equity ratio is 0.15, which means that the company's assets are healthy financed, signaling financial stability.

Virginia National Bankshares Corporation's debt has decreased relative to shareholder equity from 0.18 last year to 0.15 today, signaling strengthened financials

Virginia National Bankshares Corporation has a net cash position, so leverage is healthy.

Virginia National Bankshares Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Virginia National Bankshares Corporation's profit margin has increased (37.20%) in the last year from 20.54% to 28.18%, signaling increasing performance

Virginia National Bankshares Corporation's short-term liabilities of $1.43B exceed its short-term assets of $5.80M, signaling financial risk

Virginia National Bankshares Corporation's return on assets of 1.51% is lower than the 5.00% threshold, indicating inefficient asset utilization

Virginia National Bankshares Corporation's return on equity of 13.36%, is lower than 15.00%, indicating bad performance

Virginia National Bankshares Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Virginia National Bankshares Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Virginia National Bankshares Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Virginia National Bankshares Corporation has a free cash flow yield of 8.17%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Virginia National Bankshares Corporation's yearly earnings has increased 13.53% since last year from $16.97M to $19.26M, signaling increasing performance

Virginia National Bankshares Corporation's yearly revenue has increased 0.88% since last year from $82.61M to $83.34M, signaling increasing performance

ROIC -1.86% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Virginia National Bankshares Corporation's 3-year revenue CAGR of 5.99% is positive, indicating growing revenue over the past 3 years

Virginia National Bankshares Corporation had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Virginia National Bankshares Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Virginia National Bankshares Corporation is undervalued relative to its fair value price of 63.52 based on Discounted Cash Flow model

Virginia National Bankshares Corporation has an earnings yield of 9.76%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Virginia National Bankshares Corporation is overvalued relative to its fair value price of 26.68 based on EBITDA multiple model

Virginia National Bankshares Corporation has an EV/EBITDA ratio of 7.97x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Virginia National Bankshares Corporation is undervalued relative to its fair value price of 89.41 based on Earnings Fair Value model

Virginia National Bankshares Corporation has a PEG-ratio over 1 which is considered overvalued

Virginia National Bankshares Corporation has a price-to-book ratio of 1.31x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Virginia National Bankshares Corporation has a price-to-sales ratio of 2.89x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue