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Profile - Virginia Financial Corp. (OTC BB:VFNL.OB)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Insider | Financials
Location
24 South Augusta Street
Staunton, VA 24401
Phone: (540) 885-1232
Fax: (540) 885-8530
Employees (last reported count): 224
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
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Ownership
·Insider and 5%+ Owners: 17%
·Institutional: 4% (5% of float)
(one institution)
·Net Inst. Selling: 2,000  shares (+1.32%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Virginia Financial Corporation serves as the holding company of Planters Bank & Trust Company of Virginia (the Bank). The Bank serves general retail customers and businesses within a trade area that encompasses the counties of Augusta, Rockbridge and Rockingham. The Bank also services lumbering operations, paving facilities and quarrying concerns, as well as dairy and beef cattle operations and some sheep operations. In addition, various manufacturing concerns, employing from 10 to 2,000 persons, are served. Principal services offered and rendered by the Bank include Savings Account Products, Investment Products, and Trust Services. The Bank also offers additional services, such as banking by fax or mail, drive-in banking, night depositories, money orders, travelers' checks and safe deposits. In addition, the Bank has automated teller machines, overdraft protection, 24-hour banking by phone, bankcard services, Internet banking, Bank at Your Desk and Press & Pay Bill Payment Service
More from Market Guide: Expanded Business Description

Financial Summary
Virginia Financial Corporation is a one bank holding Company for the Planters Bank and Trust Company of Virginia. The Bank operates its branches within the state of Virginia. For the six months ended 6/30/01, interest income rose 5% to $17.9 million. Net interest income after LLP rose 1% to $8.9 million. Net income fell 6% to $2.9 million. Results reflect increased earning assets, partially offset by higher cost of funds. Net income reflects increased salary and benefit expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Harry Boney, Jr., 67
Chairman, Pres, and Pres of the Bank
--  
William Heath, Jr., 55
Pres
$199K
Fred Bowers, 64
Sec./Treasurer
135K
Thomas Davis, 56
Sr. Trust Officer, Planters Bank & Trust Company of Virginia
117K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:VFNL.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 18-June-2001
$21.00 
Recent Price$25.25 
52-Week High
on 18-Dec-2000
$30.25 
Beta0.25 
Daily Volume (3-month avg)318 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change-14.4%
52-Week Change
relative to S&P500
+14.8%
Share-Related Items
Market Capitalization$100.5M
Shares Outstanding3.98M
Float3.30M
Dividends & Splits
Annual Dividend (indicated)$0.68 
Dividend Yield2.69%
Last Splitnone 
Per-Share Data
Book Value (mrq)$13.31 
Earnings (ttm)$1.51 
Earnings (mrq)$0.32 
Sales (ttm)$9.09 
Cash (mrq)$6.18 
Valuation Ratios
Price/Book (mrq)1.90 
Price/Earnings (ttm)16.68 
Price/Sales (ttm)2.78 
Income Statements
Sales (ttm)$36.2M
EBITDAN/A 
Income available to common (ttm)$6.02M
Profitability
Profit Margin (ttm)16.6%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.21%
Return on Equity (ttm)11.90%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$24.6M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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