Virginia National Bankshares Corporation (VABK) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, VABK scores 71 out of 100, a letter grade of B-, with the verdict label "Roarable Buy — Sound Institutional Accumulation." The five pillars are: Fundamental Cash Engine at 14/20 (ROIC 10.5%; FCF yield 7.47%); Whale 13F Flow at 14/20 (institutional accumulation and options positioning); Insider Conviction at 16/20 (SEC Form 4 and Congressional PTR cluster flow), the strongest pillar; Macro Regime Fit at 14/20 (Beta 1.0; sector sensitivity); and Forensic Balance Sheet at 13/20 (Altman Z 2.5; Piotroski F 4/9; Debt/Equity 0.5), the weakest pillar. For a prospective investor, the composite suggests a company with cash generation and insider activity that the rating treats favorably, offset by a middling balance-sheet forensic reading (Piotroski F of 4 out of 9) and market-matching beta. Valuation tradeoffs are visible in the market data: P/E (TTM) of 14.4 and forward P/E of 13.4 sit alongside a 7.47% FCF yield, while the stock trades near the upper end of its 52-week range. The rating is a model output from the supplied sources and does not itself establish whether the stock is attractive at its current price.

Virginia National Bankshares Corporation (VABK) is listed on NASDAQ and classified under the Financials sector and the Major Banks industry, per the company profile. Source data does not describe its specific products, customer base, or revenue model. The profile states only that the issuer operates in Major Banks with a market capitalization of $0.3B. Revenue is reported as $0.0M in the financials section, so the source does not establish how the company earns its income.

Per the market data, gross, operating, and net margins are each reported as 0%, so margin analysis cannot be performed from the source. ROIC is 10.5% per the market data and the Roarable RQD rating. Per the RQD forensic pillar, the Altman Z-Score is 2.5, the Piotroski F-Score is 4/9, and Debt/Equity is 0.5. Cash and debt balances are not available in source data.

Per the recent news section, the feed contains six items, all dated within roughly 15 hours and all tagged "YELLOW" with impact label "MARKET WIRE." The headlines reference a third-quarter 2026 earnings announcement and a Q3 net income figure of $6.6 million, as well as a director option exercise for 3,937 shares at $42.42 per share. One headline references Blue Ridge Bankshares (BRBS), a different issuer, and is not a catalyst for VABK. The news summaries are generic templates and do not provide substantive content beyond headlines. The butterfly supply-chain graph reports no supply-chain links and no proprietary signals. Risk watch items: the source does not contain analyst coverage, and the earnings headlines are not accompanied by reported figures beyond the net income headline.

Per the Butterfly Supply-Chain Graph, supply chain status is NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore not available in source data. The only sector context supplied is the classification of Financials / Major Banks and Beta of 1.0.

• What are the revenue and operating income figures for the reported periods, given that the financials show $0.0M for both?
• What are cash and debt balances, which are listed as N/A?
• What were the actual third-quarter 2026 earnings results behind the headline references?
• What is the source and composition of the institutional accumulation and insider activity underlying the RQD pillar scores?
• What drives the 5.14% single-day price change, and is it tied to the earnings or insider news?