NASDAQ$VABK

Virginia National Bankshares Corporation · Q2 2021 earnings

Q2 2021 earnings · · Investor relations

Briefing

Reported net income despite incurring merger expenses.

Virginia National Bankshares Corporation reported net income of $147 thousand, or $0.03 per diluted share, for the quarter ended June 30, 2021. The results reflect a 93% decrease compared to the same period last year, primarily due to $5.9 million in merger expenses. Excluding these costs, the company would have posted net income of $0.89 per diluted share.

  • Net income was $147 thousand, or $0.03 per diluted share, a 93% decrease compared to Q2 2020 due to merger expenses.
  • Excluding merger costs, net income would have been $0.89 per diluted share.
  • The company completed its legal merger with Fauquier Bankshares on April 1, 2021, and integrated core banking systems in July.
  • A dividend reinvestment plan was authorized for registered shareholders.

Headline financials

Total Revenue

$16.1M

Previous: $7.38M+117.7%
EPS (adj)

$0.89

Previous: $0.77+15.6%
ROA

0.0%

Previous: 1.1%-97.2%
ROE

0.4%

No prior period
Loan-to-Deposit

71.6%

Previous: 88.5%-19.1%
Efficiency Ratio

99.1%

Previous: 59.5%+66.6%
Capital Expenditures

-$818K

Previous: -$80K-922.5%
Free Cash Flow

-$671K

Previous: $2.01M-133.4%
Net Income

$147K

Previous: $2.09M-93.0%
Operating Income

$12.1M

Previous: $5.65M+114.5%
Gross Profit

$15.9M

Previous: $7M+127.5%
Cash & Equivalents

$29.6M

Previous: $10.1M+192.7%
Total Assets

$1.85B

Previous: $799M+131.2%

Revenue & EPS history

VNB · Revenue · Quarterly

$16.1M

Q2 2021+117.7%vs Q2 2020

Revenue by segment

VNB · $6.5M total across 5 segments · Q2 2020

  • Loans
    $6.16M
  • Taxable Securities
    $229K
  • Tax-Exempt Securities
    $92K
  • Dividends
    $24K
  • Federal Funds Sold
    $10

Forward guidance

The Company has begun realizing savings associated with the merger and expects to realize significant additional savings over the next year.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2021

Historical avgQ2 2021

-0.1%

Avg return

Earnings day

+1.1%

Avg return

5 days after

+2.1%

Avg return

30 days after

43%

23 / 53 earnings

Positive

+7.4%

Q4 2022

Best reaction

-6.7%

Q2 2016

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.3%+1.9%+2.0%
Q4 2025+2.4%+3.2%-4.8%
Q3 2025+1.9%+0.5%+2.3%
Q1 2025+2.5%+2.1%+3.5%
Q4 2024+1.4%+5.5%+0.7%
Q3 2024+3.1%+1.1%+2.8%
Q2 2024+1.9%+3.2%-1.6%
Q1 2024+0.8%+4.5%+23.7%
Q4 2023-3.0%-7.0%-14.8%
Q3 2023-1.4%+2.6%+30.7%
Q2 2023+1.3%+4.5%+20.0%
Q1 2023-0.1%-1.9%-18.7%
Q4 2022+7.4%+7.8%+9.2%
Q3 2022+2.4%+1.5%+7.7%
Q2 2022+1.4%+1.3%+3.1%
Q1 2022-3.0%-6.3%-7.8%
Q4 2021-1.0%-0.8%-1.7%
Q3 2021-0.2%+0.9%+0.6%
Q2 2021-1.4%-1.9%-4.4%
Q1 2021-1.3%-2.1%-3.8%
Q4 2020+1.0%+1.0%+3.0%
Q3 2020+5.7%+2.3%+17.0%
Q2 2020+0.0%+0.0%+1.0%
Q1 2020+0.0%-5.4%-4.2%
Q4 2019-3.3%+0.0%-18.2%
Q3 2019+0.0%+0.1%+1.3%
Q2 2019+0.0%-0.5%+0.0%
Q1 2019-4.9%+0.0%+0.3%
Q4 2018+0.0%+0.0%-0.6%
Q3 2018-0.3%-1.1%-9.1%
Q2 2018-4.8%+0.0%+0.0%
Q1 2018+0.4%+6.5%+12.4%
Q4 2017+4.6%-0.4%+11.4%
Q3 2017+3.7%-1.0%+2.2%
Q2 2017-5.4%-1.1%+1.7%
Q1 2017+4.1%+4.1%+5.4%
Q4 2016+0.3%+4.4%+5.8%
Q3 2016-2.9%+15.9%+4.4%
Q2 2016-6.7%-3.8%-1.2%
Q1 2016+0.9%
Q4 2015-3.9%
Q3 2015+0.9%
Q2 2015-4.2%
Q1 2015-3.7%
Q4 2014-3.7%
Q3 2014-3.5%
Q3 2013-3.5%
Q2 2013+5.0%
Q2 2014+5.0%
Q4 2013+0.0%
Q1 2014+0.0%
Q1 2013+0.0%
Q4 2012-0.2%

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