NASDAQ$VABK

Virginia National Bankshares Corporation · Q4 2021 earnings

Q4 2021 earnings · · Investor relations

Briefing

Attained record net income due to successful merger integration and cost savings.

Virginia National Bankshares Corporation reported a strong fourth quarter and record net income for 2021, driven by the successful integration of Fauquier Bankshares and the realization of cost savings. Net income for the quarter ended December 31, 2021, increased by 100% compared to the same period in the prior year.

  • Net income for the quarter ended December 31, 2021, increased 100% year-over-year.
  • The Company reversed $664 thousand in pre-tax merger and merger-related expenses during the quarter.
  • Full-time equivalent employee headcount decreased from 215 on April 1, 2021 to 173 on December 31, 2021.
  • Net interest income for the three months ended December 31, 2021 increased $5.7 million, or 84%, compared to the three months ended December 31, 2020.

Headline financials

Total Revenue

$15.4M

Previous: $8.55M+80.0%
EPS (adj)

$0.87

Previous: $0.96-9.4%
Capital Expenditures

$238K

Previous: $67K+255.2%
Free Cash Flow

$5.73M

Previous: $2.53M+126.4%
Net Income

$5.22M

Previous: $2.62M+99.5%
Cash & Equivalents

$20.3M

Previous: $8.12M+150.7%
Total Assets

$1.97B

Previous: $848M+132.5%

Revenue & EPS history

VNB · Revenue · Quarterly

$15.4M

Q4 2021+80%vs Q4 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

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 Q4 2021

Historical avgQ4 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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