Virginia National Bankshares
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
32.2319.9211.7414.2410.3415.149.2117.568.329.5613.2210.34
Price/Sales ratio
3.052.992.843.423.083.682.413.183.033.232.563.68
Price/Book Value ratio
1.001.131.141.431.231.330.891.091.461.201.241.23
Price/Cash Flow ratio
7.9311.5312.7510.617.4510.837.9413.538.6013.2413.607.45
Price/Free Cash Flow ratio
8.8512.3514.3411.208.0311.068.1215.028.8114.4613.888.03
Price/Earnings Growth ratio
-0.440.240.121.080.37-0.690.49-0.650.08-0.520.130.13
Dividend Yield
1.21%1.39%1.61%1.48%2.81%3.10%4.41%3.62%3.27%3.84%3.44%2.81%
Profitability Indicator Ratios
Gross Profit Margin
98.25%97.96%98.71%98.96%99.27%100%100%100%100%100%90.53%100%
Operating Profit Margin
16.36%24.83%39.09%44.72%46.89%29.90%32.98%21.49%49.26%40.91%25.83%29.90%
Pretax Profit Margin
11.74%20.88%35.14%40.19%37.07%29.90%32.98%21.49%44.32%40.91%23.46%29.90%
Net Profit Margin
9.46%15.05%24.19%24.04%29.79%24.34%26.20%18.16%36.39%33.86%19.38%24.34%
Effective Tax Rate
19.37%27.90%31.16%40.18%19.63%18.58%20.56%16.01%17.89%17.23%17.38%18.58%
Return on Assets
0.35%0.56%0.95%1.01%1.31%0.95%0.94%0.51%1.44%1.17%0.96%0.96%
Return On Equity
3.13%5.69%9.73%10.06%11.97%8.78%9.65%6.21%17.56%12.58%9.95%9.95%
Return on Capital Employed
0.61%0.93%1.53%1.89%2.07%1.17%1.19%0.60%1.96%1.41%2.08%2.07%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.03N/A
Quick Ratio
7.518.78331.85328.93377.3826.8545.49301.368.68N/A0.0326.85
Cash ratio
7.518.786.186.597.692.501.6090.106.49N/A0.032.50
Days of Sales Outstanding
105.56N/A102.8985.9375.38130.29118.30121.67N/AN/AN/A130.29
Days of Inventory outstanding
N/AN/AN/AN/A1.76N/AN/AN/AN/AN/AN/AN/A
Operating Cycle
105.56N/A102.8985.9377.14N/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
1.78K1.32K1.94K2.22K2.68KN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
-1.67K-1.32K-1.84K-2.14K-2.61KN/AN/AN/AN/AN/AN/A-2.61K
Debt Ratios
Debt Ratio
N/AN/AN/A0.05N/AN/A0.030.000.000.040.03N/A
Debt Equity Ratio
N/AN/AN/A0.52N/AN/A0.360.020.020.450.33N/A
Long-term Debt to Capitalization
N/AN/AN/AN/AN/AN/A0.260.020.020.310.25N/A
Total Debt to Capitalization
N/AN/AN/A0.34N/AN/A0.260.020.020.310.25N/A
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.89N/A
Cash Flow to Debt Ratio
N/AN/AN/A0.25N/AN/A0.303.886.640.190.27N/A
Company Equity Multiplier
8.8510.0610.249.889.119.2410.2712.1812.1610.759.739.11
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.380.250.220.320.410.340.300.230.350.240.180.34
Free Cash Flow / Operating Cash Flow Ratio
0.890.930.880.940.920.970.970.900.970.910.980.92
Cash Flow Coverage Ratio
N/AN/AN/A0.25N/AN/A0.303.886.640.190.27N/A
Short Term Coverage Ratio
N/AN/AN/A0.25N/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
39.09%27.76%18.99%21.13%29.11%47.00%40.71%63.62%27.27%36.72%45.49%29.11%