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Virginia National Bankshares Corporation(VABK)Earnings, Financials & Key Ratios
VABK•NASDAQ•Banking & Credit
12.7× P/E·Price updated Jun 13, 2026
AboutVirginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial banking services. The company operates through four segments: Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. It provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. The company also offers commercial and industrial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. In addition, it provides automated teller machines, internet banking, treasury, and cash management services, as well as merchant and debit card services; and wealth and investment advisory, brokerage, insurance, consulting, and related services. Further, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations. As of December 31, 2021, the company operated sixteen full-service banking facilities in the cities of Charlottesville, Manassas, Richmond, and Winchester, as well as the counties of Albemarle, Fauquier, and Prince William. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia.Show more
- Net Interest Income$52M+12.1%
- Total Revenue$83M+0.9%
- Net Income$19M+13.5%
- Return on Equity11.18%+3.3%
- Net Interest Margin3.12%+9.9%
- Efficiency Ratio40.06%+1.0%
- ROA1.18%+13.4%
- Equity / Assets11.16%+12.6%
- Book Value per Share33.99+14.3%
- Tangible BV/Share32.06+16.2%
- Debt/Equity0.16-11.1%
VABK Key Insights
Virginia National Bankshares Corporation (VABK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 19.3%
- ✓Efficient operations: 40.1% efficiency ratio
- ✓Well capitalized: 11.2% equity/assets
- ✓Healthy dividend yield of 3.1%
- ✓Trading at only 1.3x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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VABK Price & Volume
Virginia National Bankshares Corporation (VABK) stock price & volume — 10-year historical chart
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VABK Growth Metrics
Virginia National Bankshares Corporation (VABK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.32%
5 Years19.78%
3 Years5.99%
TTM-
Profit CAGR
10 Years19.96%
5 Years19.28%
3 Years-6.33%
TTM13.53%
EPS CAGR
10 Years12.03%
5 Years3.77%
3 Years-6.76%
TTM13.06%
Return on Capital
10 Years12.06%
5 Years10.27%
3 Years8.33%
Last Year2.62%
VABK Recent Earnings
Virginia National Bankshares Corporation (VABK) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 23, 2026EPS
$0.97
Revenue
$20M
Q1 2026
Jan 29, 2026EPS
$1.10
Revenue
$21M
Q4 2025
Oct 23, 2025EPS
$0.84
Revenue
—
Q3 2025
Jul 24, 2025EPS
$0.78
Revenue
$20M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.97 | $20M |
| Q1 2026 | Jan 29, 2026 | $1.10 | $21M |
| Q4 2025 | Oct 23, 2025 | $0.84 | — |
| Q3 2025 | Jul 24, 2025 | $0.78 | $20M |
Based on last 12 quarters of dataView full earnings history →
VABK Peer Comparison
Virginia National Bankshares Corporation (VABK) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.52B | 48.18 | 14.47 | 10.36% | 18.76% | 9.51% | 0.17 | |
 CZWI | 206.63M | 21.46 | 14.70 | -9.41% | 16.01% | 7.81% | 0.28 | |
 MNSB | 183.64M | 24.93 | 14.16 | -1.44% | 11.53% | 7.26% | 0.32 | |
 NKSH | 231.36M | 36.33 | 14.59 | 7.88% | 18.57% | 9.04% | 0.01 | |
 CARE | 662.03M | 29.88 | 21.34 | 6.24% | 12.46% | 7.65% | 0.43 | |
 FXNC | 272.95M | 30.19 | 15.40 | 27.11% | 15.35% | 9.98% | 0.23 | |
 BWFG | 443.63M | 55.64 | 12.50 | 6.13% | 16.95% | 12.21% | 0.60 | |
 MVBF | 365.05M | 28.42 | 13.80 | 18.96% | 13.74% | 8.46% | 0.23 |
Compare VABK vs Peers
Virginia National Bankshares Corporation (VABK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
VABK Income Statement
Virginia National Bankshares Corporation (VABK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 21.28M | 22.75M | 21.81M | 23.77M | 44.82M | 53.27M | 48.6M | 45.95M | 51.51M |
NII Growth % | 17.03% | 6.91% | -4.12% | 8.99% | 88.51% | 18.85% | -8.76% | -5.47% | 12.11% |
Net Interest Margin % | 3.31% | 3.53% | 3.1% | 2.8% | 2.27% | 3.28% | 2.95% | 2.84% | 3.12% |
Interest Income | 22.52M | 25.54M | 26.09M | 27.13M | 48.1M | 56.45M | 69.62M | 75.5M | 77.25M |
Interest Expense | 1.23M | 2.79M | 4.27M | 3.35M | 3.28M | 3.18M | 21.02M | 29.55M | 25.74M |
Loan Loss Provision | 418K | 1.87M | 1.38M | 1.62M | 1.01M | 106K | 734K | -600K | 137K |
Non-Interest Income | 5.69M | 5.47M | 5.47M | 6.67M | 10.63M | 13.54M | 9.47M | 7.12M | 6.09M |
Non-Interest Income % | 20.18% | 17.63% | 17.34% | 19.73% | 18.11% | 19.34% | 11.97% | 8.61% | 7.31% |
Total Revenue | 28.21M▲ 0% | 31.01M▲ 9.9% | 31.56M▲ 1.8% | 33.8M▲ 7.1% | 58.74M▲ 73.8% | 69.99M▲ 19.2% | 79.09M▲ 13.0% | 82.61M▲ 4.5% | 83.34M▲ 0.9% |
Revenue Growth % | 15.66% | 9.93% | 1.77% | 7.09% | 73.8% | 19.15% | 13.01% | 4.45% | 0.88% |
Non-Interest Expense | 15.6M | 15.81M | 17.69M | 18.78M | 42.52M | 38.15M | 34.06M | 32.76M | 33.38M |
Efficiency Ratio | 55.3% | 50.98% | 56.07% | 55.57% | 72.39% | 54.51% | 43.07% | 39.66% | 40.06% |
Operating Income | 10.96M▲ 0% | 10.54M▼ 3.8% | 8.22M▼ 22.0% | 10.04M▲ 22.2% | 11.92M▲ 18.7% | 28.55M▲ 139.5% | 23.27M▼ 18.5% | 20.9M▼ 10.2% | 24.08M▲ 15.2% |
Operating Margin % | 38.84% | 33.99% | 26.03% | 29.72% | 20.29% | 40.79% | 29.43% | 25.3% | 28.9% |
Operating Income Growth % | 31.22% | -3.81% | -22.04% | 22.24% | 18.66% | 139.54% | -18.47% | -10.2% | 15.23% |
Pretax Income | 10.96M▲ 0% | 10.54M▼ 3.8% | 8.22M▼ 22.0% | 10.04M▲ 22.2% | 11.92M▲ 18.7% | 28.55M▲ 139.5% | 23.27M▼ 18.5% | 20.9M▼ 10.2% | 24.08M▲ 15.2% |
Pretax Margin % | 38.84% | 33.99% | 26.03% | 29.72% | 20.29% | 40.79% | 29.43% | 25.3% | 28.9% |
Income Tax | 4.4M | 2.07M | 1.53M | 2.06M | 1.85M | 5.11M | 4.01M | 3.93M | 4.82M |
Effective Tax Rate % | 40.18% | 19.63% | 18.59% | 20.56% | 15.49% | 17.89% | 17.23% | 18.82% | 20.02% |
Net Income | 6.55M▲ 0% | 8.47M▲ 29.2% | 6.69M▼ 21.0% | 7.98M▲ 19.3% | 10.07M▲ 26.2% | 23.44M▲ 132.7% | 19.26M▼ 17.8% | 16.97M▼ 11.9% | 19.26M▲ 13.5% |
Net Margin % | 23.23% | 27.31% | 21.2% | 23.61% | 17.15% | 33.49% | 24.36% | 20.54% | 23.11% |
Net Income Growth % | 14.02% | 29.23% | -21.03% | 19.27% | 26.23% | 132.73% | -17.81% | -11.92% | 13.53% |
Net Income (Continuing) | 6.55M | 8.47M | 6.69M | 7.98M | 10.07M | 23.44M | 19.26M | 16.97M | 19.26M |
EPS (Diluted) | 2.46▲ 0% | 3.15▲ 28.0% | 2.49▼ 21.0% | 2.95▲ 18.5% | 2.14▼ 27.5% | 4.38▲ 104.7% | 3.58▼ 18.3% | 3.15▼ 12.0% | 3.55▲ 12.7% |
EPS Growth % | 12.33% | 28.05% | -20.95% | 18.47% | -27.46% | 104.67% | -18.26% | -12.01% | 12.7% |
EPS (Basic) | 2.49 | 3.18 | 2.49 | 2.95 | 2.16 | 4.40 | 3.60 | 3.15 | 3.57 |
Diluted Shares Outstanding | 2.66M | 2.69M | 2.69M | 2.71M | 5.31M | 5.35M | 5.37M | 5.39M | 5.42M |
VABK Balance Sheet
Virginia National Bankshares Corporation (VABK) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 78.89M | 73.13M | 128.95M | 182.2M | 660.19M | 578.28M | 448.99M | 29.14M | 60.06M |
Cash & Due from Banks | 11.39M | 11.74M | 14.91M | 8.12M | 356.38M | 40.09M | 28.39M | 17.1M | 5.8M |
Short Term Investments | 67.5M | 61.39M | 114.04M | 174.09M | 303.82M | 538.19M | 420.6M | 12.03M | 54.26M |
Total Investments | 592.24M | 593.69M | 649.37M | 778.04M | 1.36B | 1.47B | 1.5B | 1.49B | 1.55B |
Investments Growth % | 10.68% | 0.24% | 9.38% | 19.82% | 74.68% | 8.17% | 2.37% | -0.92% | 3.84% |
Long-Term Investments | 524.74M | 532.3M | 535.32M | 603.95M | 1.06B | 931.83M | 1.08B | 1.48B | 1.49B |
Accounts Receivables | 6.42M | 5.87M | 9.16M | 6.34M | 13.3M | 13.51M | 14.29M | 0 | 0 |
Goodwill & Intangibles | 951K | 849K | 780K | 713K | 16.68M | 14.35M | 12.86M | 11.56M | 10.45M |
Goodwill | 372K | 372K | 372K | 372K | 8.14M | 7.77M | 7.77M | 7.77M | 7.77M |
Intangible Assets | 579K | 477K | 408K | 341K | 8.54M | 6.59M | 5.09M | 3.79M | 2.68M |
PP&E (Net) | 7.37M | 7.04M | 6.14M | 8.77M | 32.68M | 24.34M | 22.94M | 20.93M | 17.98M |
Other Assets | 25.52M | 25.61M | 22.27M | 46.44M | 189.26M | 43.73M | 47.29M | 60.77M | -1.49B |
Total Current Assets | 85.31M | 79M | 138.11M | 188.54M | 673.5M | 591.78M | 463.27M | 29.14M | 5.8M |
Total Non-Current Assets | 558.58M | 565.8M | 564.52M | 659.87M | 1.3B | 1.03B | 1.18B | 1.59B | 40.51M |
Total Assets | 643.89M▲ 0% | 644.8M▲ 0.1% | 702.63M▲ 9.0% | 848.41M▲ 20.7% | 1.97B▲ 132.5% | 1.62B▼ 17.7% | 1.65B▲ 1.4% | 1.62B▼ 1.8% | 1.65B▲ 2.0% |
Asset Growth % | 6.42% | 0.14% | 8.97% | 20.75% | 132.46% | -17.69% | 1.4% | -1.77% | 2.04% |
Return on Assets (ROA) | 1.05% | 1.31% | 0.99% | 1.03% | 0.71% | 1.3% | 1.18% | 1.04% | 1.18% |
Accounts Payable | 1.73M | 1.52M | 5.31M | 1.46M | 3.55M | 2.02M | 3.95M | 0 | 0 |
Total Debt | 34.09M | 0 | 0 | 33.59M | 10.47M | 9.59M | 79.92M | 29.13M | 29.75M |
Net Debt | 22.7M | -11.74M | -14.91M | 25.47M | -345.9M | -30.5M | 51.53M | 12.03M | 23.95M |
Long-Term Debt | 0 | 0 | 0 | 30M | 3.37M | 3.41M | 69.96M | 23.51M | 23.55M |
Short-Term Debt | 34.09M | 0 | 0 | 0 | 0 | 0 | 3.46M | 236K | 1.64M |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.85M | 1.44B |
Total Current Liabilities | 578.78M | 574.06M | 626.52M | 732.22M | 1.8B | 1.48B | 1.42B | 1.42B | 1.64M |
Total Non-Current Liabilities | 0 | 0 | 0 | 33.59M | 10.47M | 9.59M | 76.46M | 32.74M | 1.47B |
Total Liabilities | 578.78M | 574.06M | 626.52M | 765.81M | 1.81B | 1.49B | 1.49B | 1.46B | 1.47B |
Total Equity | 65.11M▲ 0% | 70.74M▲ 8.7% | 76.11M▲ 7.6% | 82.6M▲ 8.5% | 161.99M▲ 96.1% | 133.42M▼ 17.6% | 153.04M▲ 14.7% | 160.3M▲ 4.7% | 184.16M▲ 14.9% |
Equity Growth % | 10.25% | 8.66% | 7.58% | 8.53% | 96.11% | -17.64% | 14.71% | 4.75% | 14.88% |
Equity / Assets (Capital Ratio) | 10.11% | 10.97% | 10.83% | 9.74% | 8.21% | 8.22% | 9.3% | 9.91% | 11.16% |
Return on Equity (ROE) | 10.56% | 12.47% | 9.11% | 10.05% | 8.24% | 15.87% | 13.45% | 10.83% | 11.18% |
Book Value per Share | 24.45 | 26.34 | 28.29 | 30.50 | 30.52 | 24.93 | 28.48 | 29.73 | 33.99 |
Tangible BV per Share | 24.10 | 26.02 | 28.00 | 30.23 | 27.37 | 22.25 | 26.09 | 27.59 | 32.06 |
Common Stock | 6.03M | 6.36M | 6.72M | 6.72M | 13.18M | 13.21M | 13.26M | 13.26M | 13.33M |
Additional Paid-in Capital | 22.04M | 27.01M | 32.2M | 32.46M | 104.58M | 105.34M | 106.05M | 106.39M | 107.34M |
Retained Earnings | 37.78M | 38.65M | 37.23M | 41.96M | 46.44M | 63.48M | 73.78M | 82.51M | 94.17M |
Accumulated OCI | -883K | -1.28M | -43K | 1.46M | -2.21M | -48.62M | -40.04M | -41.86M | -30.67M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
VABK Cash Flow Statement
Virginia National Bankshares Corporation (VABK) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 8.79M | 11.76M | 9.35M | 9.25M | 13.06M | 22.68M | 13.9M | 15.29M | 21.33M |
Operating CF Growth % | 66.19% | 33.68% | -20.51% | -1% | 41.2% | 73.63% | -38.71% | 9.97% | 39.53% |
Net Income | 6.55M | 8.47M | 6.69M | 7.98M | 10.07M | 23.44M | 19.26M | 16.97M | 19.26M |
Depreciation & Amortization | 1.25M | 1.23M | 1.2M | 1.96M | 4.4M | 5.08M | 4.77M | 4.26M | 0 |
Deferred Taxes | 768K | -234K | 91K | -214K | 702K | -138K | -473K | -10K | 0 |
Other Non-Cash Items | 481K | 1.74M | 794K | 1.17M | -1.6M | -4.22M | -9.57M | -4.73M | 2.75M |
Working Capital Changes | -268K | 495K | 41K | -1.9M | -1.03M | -2.16M | -811K | -2.16M | -678K |
Cash from Investing | -61.32M | -4.44M | -54.77M | -129.95M | 262.19M | -167.2M | -19.77M | 15.75M | 31.8M |
Purchase of Investments | -45.29M | 0 | -79.75M | -167.36M | -74.43M | -316.35M | -83.16M | 0 | 0 |
Sale/Maturity of Investments | 34.02M | 5.94M | 28.44M | 109.23M | 31.72M | 22.72M | 214.39M | 154.22M | 0 |
Net Investment Activity | -11.27M | 5.94M | -51.3M | -58.12M | -42.71M | -293.63M | 131.23M | 154.22M | 0 |
Acquisitions | -300K | -100K | -50K | -50K | 153.28M | 0 | 0 | 0 | 0 |
Other Investing | -49.29M | -9.43M | -3.22M | -71.58M | 152.91M | 126.98M | -149.83M | -137.74M | 31.8M |
Cash from Financing | 32.3M | -6.72M | 45.63M | 136.31M | 198.89M | -324.19M | -5.88M | -42.33M | 381K |
Dividends Paid | -1.39M | -2.47M | -3.14M | -3.25M | -6.41M | -6.39M | -7.07M | -7.09M | -7.6M |
Share Repurchases | 0 | 0 | -5K | 0 | 0 | 0 | 0 | -559K | 0 |
Stock Issued | 0 | 0 | 0 | 0 | 30K | 23K | 18K | 0 | 35K |
Net Stock Activity | 0 | 0 | -5K | 0 | 30K | 23K | 18K | -559K | 35K |
Debt Issuance (Net) | 1000K | -1000K | 0 | 1000K | -1000K | 0 | 1000K | -1000K | -236K |
Other Financing | 18.68M | 10.75M | 48.78M | 109.55M | 247.85M | -317.82M | -68.79M | 14.45M | 8.19M |
Net Change in Cash | -20.22M▲ 0% | 597K▲ 103.0% | 211K▼ 64.7% | 15.61M▲ 7298.1% | 474.14M▲ 2937.4% | -468.7M▼ 198.9% | -11.75M▲ 97.5% | -11.29M▲ 3.9% | 53.51M▲ 574.1% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 38.5M | 18.28M | 18.87M | 19.09M | 34.7M | 508.84M | 40.14M | 28.39M | 17.1M |
Cash at End | 18.28M | 18.87M | 19.09M | 34.7M | 508.84M | 40.14M | 28.39M | 17.1M | 70.61M |
Interest Paid | 1.23M | 2.66M | 4.22M | 3.49M | 3.27M | 3.2M | 22.15M | 29.77M | 26.14M |
Income Taxes Paid | 3.77M | 2.46M | 1.93M | 2.75M | 1.22M | 4.45M | 3.81M | 3.58M | 4.43M |
Free Cash Flow | 8.33M▲ 0% | 10.91M▲ 31.0% | 9.16M▼ 16.1% | 9.05M▼ 1.1% | 11.77M▲ 30.0% | 22.14M▲ 88.1% | 12.73M▼ 42.5% | 14.56M▲ 14.3% | 20.75M▲ 42.6% |
FCF Growth % | 77.01% | 30.95% | -16.08% | -1.12% | 30.02% | 88.06% | -42.49% | 14.32% | 42.56% |
VABK Banking Ratios
Virginia National Bankshares Corporation (VABK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 9.96% | 10.56% | 12.47% | 9.11% | 10.05% | 8.24% | 15.87% | 13.45% | 10.83% | 11.18% |
| Return on Assets (ROA) | 0.98% | 1.05% | 1.31% | 0.99% | 1.03% | 0.71% | 1.3% | 1.18% | 1.04% | 1.18% |
| Net Interest Margin | 3.01% | 3.31% | 3.53% | 3.1% | 2.8% | 2.27% | 3.28% | 2.95% | 2.84% | 3.12% |
| Efficiency Ratio | 61.47% | 55.3% | 50.98% | 56.07% | 55.57% | 72.39% | 54.51% | 43.07% | 39.66% | 40.06% |
| Equity / Assets | 9.76% | 10.11% | 10.97% | 10.83% | 9.74% | 8.21% | 8.22% | 9.3% | 9.91% | 11.16% |
| Book Value / Share | 22.47 | 24.45 | 26.34 | 28.29 | 30.5 | 30.52 | 24.93 | 28.48 | 29.73 | 33.99 |
| NII Growth | 12.08% | 17.03% | 6.91% | -4.12% | 8.99% | 88.51% | 18.85% | -8.76% | -5.47% | 12.11% |
| Dividend Payout | 19% | 21.13% | 29.11% | 47% | 40.71% | 63.63% | 27.27% | 36.72% | 41.77% | 39.47% |
Related:VABK Dividend History·VABK Revenue History·VABK Price History·VABK P/E History·VABK Financial Ratios·VABK Institutional Holders
VABK SEC Filings & Documents
Virginia National Bankshares Corporation (VABK) SEC filings — annual & quarterly reports (10-K, 10-Q)
VABK Frequently Asked Questions
Virginia National Bankshares Corporation (VABK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Virginia National Bankshares Corporation (VABK) grew revenue by 0.9% over the past year. Growth has been modest.
Yes, Virginia National Bankshares Corporation (VABK) is profitable, generating $19.3M in net income for fiscal year 2025 (23.1% net margin).
Dividend & Returns
Yes, Virginia National Bankshares Corporation (VABK) pays a dividend with a yield of 3.12%. This makes it attractive for income-focused investors.
Virginia National Bankshares Corporation (VABK) has a return on equity (ROE) of 11.2%. This is reasonable for most industries.
Industry Metrics
Virginia National Bankshares Corporation (VABK) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Virginia National Bankshares Corporation (VABK) has an efficiency ratio of 40.1%. This is excellent, indicating strong cost control.