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Upturn AI SWOT - About
Virginia National Bankshares Corp (VABK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
03/27/2025: 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 9.07% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 195.29M USD | Price to earnings Ratio 11.54 | 1Y Target Price - |
Price to earnings Ratio 11.54 | 1Y Target Price - | ||
Volume (30-day avg) 4575 | Beta 0.67 | 52 Weeks Range 23.20 - 43.25 | Updated Date 04/1/2025 |
52 Weeks Range 23.20 - 43.25 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.61% | Basic EPS (TTM) 3.15 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.62% | Operating Margin (TTM) 39.71% |
Management Effectiveness
Return on Assets (TTM) 1.04% | Return on Equity (TTM) 10.83% |
Valuation
Trailing PE 11.54 | Forward PE - | Enterprise Value 206570608 | Price to Sales(TTM) 3.64 |
Enterprise Value 206570608 | Price to Sales(TTM) 3.64 | ||
Enterprise Value to Revenue 4.25 | Enterprise Value to EBITDA - | Shares Outstanding 5370910 | Shares Floating 4705472 |
Shares Outstanding 5370910 | Shares Floating 4705472 | ||
Percent Insiders 12.83 | Percent Institutions 44.22 |
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, now Truist Financial Corporation, was formed in 1991 through the merger of BB&T and SunTrust. The company has grown through numerous acquisitions and organic growth, becoming one of the largest financial services companies in the United States.
Core Business Areas
- Retail Banking: Provides a wide range of banking products and services to individuals and small businesses, including checking and savings accounts, loans, and mortgages.
- Commercial Banking: Offers banking solutions to mid-sized and large corporations, including lending, treasury management, and investment banking services.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Truist Financial Corporation's leadership team includes the Chief Executive Officer, Chief Financial Officer, and other senior executives. The organizational structure is divided into business segments, each headed by a senior executive.
Top Products and Market Share
Key Offerings
- Checking Accounts: Standard checking accounts, interest-bearing checking accounts, and premium checking accounts. Competitors include Bank of America, Wells Fargo, and JPMorgan Chase. Market share difficult to pinpoint precisely, but accounts contribute significantly to total deposits.
- Mortgages: Fixed-rate mortgages, adjustable-rate mortgages, and government-backed mortgages. Competitors include Rocket Mortgage, United Wholesale Mortgage. Market share is variable depending on market conditions but is approximately 2% of the total residential mortgage market.
- Small Business Loans: Term loans, lines of credit, and SBA loans. Competitors are Bank of America, JP Morgan Chase, and community banks. Market share is estimated at about 2% of the small business lending market.
Market Dynamics
Industry Overview
The banking industry is currently experiencing rising interest rates and increased competition from fintech companies. Regulations and technology are major drivers.
Positioning
Truist Financial Corporation is a regional bank with a strong presence in the Southeast. Its competitive advantages include a broad range of services, a large branch network, and a strong customer base.
Total Addressable Market (TAM)
The total addressable market for the banking industry is estimated to be in the trillions of dollars. Truist is positioned to capture a share of this market through its diverse product offerings and regional focus.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large branch network
- Diverse product offerings
- Solid customer base
Weaknesses
- Regional concentration
- Integration challenges post-merger
- Lower efficiency ratios compared to peers
- Exposure to regional economic downturns
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management services
- Strategic acquisitions of smaller banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- C
- USB
Competitive Landscape
Truist faces competition from large national banks and smaller regional banks. Its advantages include a strong presence in the Southeast and a broad range of services. Disadvantages are integrating operations and its exposure to the southeastern US economic health.
Major Acquisitions
BB&T and SunTrust Merger
- Year: 2019
- Acquisition Price (USD millions): N/A
- Strategic Rationale: To create a leading financial services company with enhanced scale and capabilities.
Growth Trajectory and Initiatives
Historical Growth: Requires real numbers from filings which I do not have access to.
Future Projections: Requires real numbers from filings which I do not have access to.
Recent Initiatives: Recent strategic initiatives include investments in digital banking and expansion into new markets.
Summary
Truist is a large regional bank with a strong presence in the Southeast. Its broad range of services and solid customer base are strengths. However, it faces challenges related to integration, competition from fintech companies, and exposure to regional economic downturns. Digital transformations and geographic expansions could improve performance.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Market Analysis Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Actual results may vary.
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 137 | Website https://www.vnb.com |
Full time employees 137 | 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 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.
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