DDM Analysis: VABK

Valuation Snapshot

Stable Growth	$125.46 - $488.35	$351.01
Multi-Stage	$61.06 - $66.74	$63.85
Blended Fair Value	$207.43
Current Price	$38.81
Upside	434.48%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	17.65%	26.53%	1.31	1.31	1.18	1.18	0.60	0.58	0.46	0.26	0.20	0.16
YoY Growth	-	-	0.18%	10.67%	-0.25%	97.29%	3.31%	27.49%	78.05%	26.83%	22.56%	32.20%
Dividend Yield	-	-	3.63%	4.48%	3.28%	3.43%	1.98%	2.23%	1.24%	0.65%	0.70%	0.78%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	13.29
(-) Cash Dividends Paid (M)	7.43
(=) Cash Retained (M)	5.86

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	2.66	1.66	1.00
Cash Retained (M)	5.86	5.86	5.86
(-) Cash Required (M)	-2.66	-1.66	-1.00
(=) Excess Retained (M)	3.20	4.19	4.86
(/) Shares Outstanding (M)	5.41	5.41	5.41
(=) Excess Retained per Share	0.59	0.78	0.90
LTM Dividend per Share	1.37	1.37	1.37
(+) Excess Retained per Share	0.59	0.78	0.90
(=) Adjusted Dividend	1.96	2.15	2.27
WACC / Discount Rate	7.15%	7.15%	7.15%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$125.46	$351.01	$488.35
Upside / Downside	223.27%	804.43%	1,158.31%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	13.29	14.15	15.07	16.05	17.09	18.21	18.75
Payout Ratio	55.94%	62.75%	69.56%	76.38%	83.19%	90.00%	92.50%
Projected Dividends (M)	7.43	8.88	10.48	12.26	14.22	16.39	17.35

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.15%	7.15%	7.15%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	8.21	8.29	8.37
Year 2 PV (M)	8.96	9.13	9.30
Year 3 PV (M)	9.69	9.96	10.25
Year 4 PV (M)	10.39	10.79	11.20
Year 5 PV (M)	11.07	11.60	12.15
PV of Terminal Value (M)	282.13	295.76	309.91
Equity Value (M)	330.44	345.53	361.18
Shares Outstanding (M)	5.41	5.41	5.41
Fair Value	$61.06	$63.85	$66.74
Upside / Downside	57.34%	64.53%	71.98%

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Virginia National Bankshares Corporation (VABK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener