NASDAQ$VABK

Virginia National Bankshares Corporation · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Reported net income increase compared to the same quarter last year.

Virginia National Bankshares Corporation reported a significant increase in net income for the second quarter of 2022, with $5.7 million, or $1.06 per diluted share, compared to $147 thousand, or $0.03 per diluted share, for the quarter ended June 30, 2021. The company's efficiency ratio improved, and returns on average assets and equity increased substantially. The company has realized savings associated with the merger and expects to realize significant additional savings.

  • Net income increased significantly to $5.7 million, or $1.06 per diluted share.
  • Efficiency ratio improved to 58.3% from 99.1% in the prior year.
  • Return on average assets increased to 1.27% compared to 0.03% in the same period last year.
  • Return on average equity improved to 16.16% compared to 0.37% in the same period last year.

Headline financials

Total Revenue

$16.1M

Previous: $16.1M+0.2%
EPS (adj)

$1.06

Previous: $0.89+19.1%
ROA

1.3%

Previous: 0.0%+4133.3%
ROE

16.2%

Previous: 0.4%+4267.6%
Capital Expenditures

-$334K

Previous: -$818K+59.2%
Free Cash Flow

$5.35M

Previous: -$671K+897.5%
Net Income

$5.69M

Previous: $147K+3767.3%
Operating Income

$13.6M

Previous: $12.1M+12.2%
Gross Profit

$15.9M

Previous: $15.9M-0.3%
Cash & Equivalents

$17.6M

Previous: $29.6M-40.4%
Total Assets

$1.74B

Previous: $1.85B-5.5%

Revenue & EPS history

VNB · Revenue · Quarterly

$16.1M

Q2 2022+0.2%vs Q2 2021

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 in salaries and employee benefits, data processing and professional fees 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 2022

Historical avgQ2 2022

-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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