NASDAQ$VABK

Virginia National Bankshares Corporation · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Reported quarterly net income, reflecting a balance compared to the previous year, with a focus on loan growth and solid credit quality metrics.

Virginia National Bankshares Corporation reported a net income of $5.7 million, or $1.05 per diluted share, for the quarter ended June 30, 2023. The company's return on average assets set a record for the Company in the first half of 2023, as we achieved 1.47% year-to-date.

  • Return on average assets increased to 1.46% compared to 1.27% in the same period last year.
  • Return on average equity decreased to 15.98% compared to 16.16% last year, primarily due to an increase in accumulated other comprehensive loss.
  • The efficiency ratio improved to 54.1% from 58.3% for the same period in the prior year.
  • Net interest margin rose to 3.83%, compared to 3.02% for the three months ended June 30, 2022.

Headline financials

Total Revenue

$15.7M

Previous: $16.1M-2.2%
EPS (adj)

$1.05

Previous: $1.06-0.9%
ROA

1.5%

Previous: 1.3%+15.0%
ROE

16.0%

Previous: 16.2%-1.1%
Net Interest Margin (FTE)

3.8%

No prior period
Capital Expenditures

-$501K

Previous: -$334K-50.0%
Free Cash Flow

$5.15M

Previous: $5.35M-3.8%
Net Income

$5.65M

Previous: $5.69M-0.6%
Operating Income

$9.53M

Previous: $13.6M-29.8%
Gross Profit

$15.5M

Previous: $15.9M-2.5%
Cash & Equivalents

$29.9M

Previous: $17.6M+69.8%
Total Assets

$1.58B

Previous: $1.74B-9.2%

Revenue & EPS history

VNB · Revenue · Quarterly

$15.7M

Q2 2023-2.2%vs Q2 2022

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

More information will be forthcoming for shareholders regarding the specifics of the share repurchase plan after the consultation has been completed.

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 2023

Historical avgQ2 2023

-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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