Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Virginia National Bankshares Corporation's quarterly P/E stands at 9.1x, down 20.3% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.68 | 9.06 | 11.55 | 11.86 | 10.87 | 11.37 | 12.25 | 10.65 | 11.07 | 14.57 | 8.82 | 7.65 | 8.32 |
| — | -20.3% | -5.7% | +11.4% | -1.8% | -22.0% | +38.8% | +39.1% | +32.9% | +109.8% | +17.5% | +3.1% | -11.2% | |
| P/S Ratio | 2.93 | 2.54 | 2.53 | 2.45 | 2.35 | 2.45 | 2.69 | 2.17 | 1.99 | 2.29 | 2.06 | 2.12 | 2.59 |
| — | +3.3% | -6.2% | +12.8% | +18.0% | +7.0% | +30.7% | +2.3% | -23.3% | -10.7% | -18.0% | -15.3% | -17.7% | |
| P/B Ratio | 1.32 | 1.17 | 1.19 | 1.17 | 1.17 | 1.29 | 1.35 | 1.15 | 1.06 | 1.21 | 1.21 | 1.21 | 1.37 |
| — | -8.9% | -12.4% | +2.3% | +10.1% | +6.3% | +12.3% | -5.5% | -22.3% | -17.7% | -12.4% | -3.3% | +8.6% | |
| P/FCF | 11.76 | 9.03 | 8.40 | 7.46 | 26.59 | 16.26 | 3.73 | — | 12.90 | 15.96 | 194.02 | 15.21 | 7.13 |
| — | -44.4% | +125.2% | — | +106.1% | +1.9% | -98.1% | — | +80.8% | +68.8% | +3303.2% | -96.4% | +43.3% | |
| EV / EBITDA | 11.13 | 7.92 | 10.70 | 9.85 | 7.64 | 7.94 | 10.08 | 8.17 | 8.06 | 12.09 | 7.43 | 7.21 | 5.59 |
| — | -0.2% | +6.2% | +20.5% | -5.2% | -34.4% | +35.6% | +13.4% | +44.2% | +177.7% | +173.5% | +1406.6% | +223.7% | |
| EV / EBIT | 11.13 | 7.92 | 10.35 | 11.79 | 9.15 | 9.35 | 11.97 | 9.89 | 10.08 | 15.60 | 9.11 | 8.41 | 6.60 |
| — | -15.3% | -13.5% | +19.2% | -9.2% | -40.1% | +31.4% | +17.7% | +52.8% | +225.5% | +180.3% | +1360.4% | +217.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Virginia National Bankshares Corporation's operating margin was 35.6% in Q4 2025, up 8.3 pp QoQ and up 7.8 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 28.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 5.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.0% | 70.7% | 67.7% | 69.0% | 68.4% | 67.0% | 65.2% | 64.9% | 62.7% | 59.8% | 69.6% | 76.0% | 85.5% |
| — | +5.4% | +3.9% | +6.3% | +9.2% | +12.0% | -6.4% | -14.6% | -26.7% | -36.8% | -27.4% | -21.7% | -7.8% | |
| Operating Margin | 28.9% | 35.6% | 27.3% | 26.5% | 26.0% | 27.8% | 27.1% | 25.0% | 21.2% | 18.8% | 27.6% | 34.0% | 37.9% |
| — | +28.1% | +0.9% | +6.1% | +22.4% | +47.9% | -1.8% | -26.4% | -44.1% | -58.5% | -32.4% | -17.0% | -7.2% | |
| Net Margin | 23.1% | 28.0% | 22.0% | 20.7% | 21.6% | 21.7% | 22.1% | 20.4% | 17.9% | 15.7% | 23.4% | 27.7% | 31.1% |
| — | +29.0% | -0.3% | +1.4% | +20.7% | +38.3% | -5.9% | -26.3% | -42.3% | -57.5% | -30.0% | -18.0% | -8.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.2% | 3.3% | 2.6% | 2.5% | 2.7% | 2.8% | 2.9% | 2.7% | 2.4% | 2.2% | 3.3% | 4.0% | 4.2% |
| — | +17.9% | -8.5% | -7.4% | +15.0% | +27.4% | -14.1% | -31.9% | -43.4% | -59.7% | -24.6% | -1.9% | +31.7% | |
| ROA | 1.2% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.4% | 0.4% |
| — | +29.6% | -2.1% | -0.5% | +23.7% | +42.9% | -2.4% | -27.3% | -38.4% | -53.0% | -10.9% | +15.9% | +43.9% | |
| ROIC | 9.0% | 2.6% | 1.9% | 1.9% | 2.1% | 2.1% | 2.0% | 2.0% | 1.6% | 1.3% | 1.9% | 2.6% | 3.4% |
| — | +26.3% | -6.5% | -7.7% | +34.8% | +54.6% | +1.8% | -21.9% | -54.0% | -71.0% | -48.2% | -24.7% | +24.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Virginia National Bankshares Corporation's Debt/EBITDA ratio is 3.9x, down from 7.3x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 17155.8% YoY to 3.53x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.16 | 0.16 | 0.23 | 0.42 | 0.17 | 0.18 | 0.39 | 0.27 | 0.20 | 0.52 | 0.39 | 0.63 | 0.20 |
| — | -11.1% | -42.2% | +53.4% | -12.7% | -65.2% | -0.4% | -56.8% | -3.1% | +626.9% | +396.8% | +721.3% | +176.9% | |
| Debt / EBITDA | 1.24 | 3.92 | 7.29 | 11.00 | 4.42 | 4.23 | 9.67 | 6.82 | 5.54 | 16.31 | 7.93 | 11.14 | 3.43 |
| — | -7.3% | -24.6% | +61.2% | -20.2% | -74.1% | +21.9% | -38.7% | +61.6% | +1522.6% | +571.0% | +793.8% | +137.6% | |
| Current Ratio | 3.53 | 3.53 | 0.02 | 0.02 | 0.03 | 0.02 | 0.22 | 0.22 | 0.25 | 0.33 | 0.32 | 0.36 | 0.39 |
| — | +17155.8% | -91.1% | -91.7% | -89.1% | -93.7% | -31.6% | -39.3% | -34.9% | -18.2% | -23.6% | -11.3% | -0.6% | |
| Quick Ratio | 3.53 | 3.53 | 0.02 | 0.02 | 0.03 | 0.02 | 0.22 | 0.22 | 0.25 | 0.33 | 0.32 | 0.36 | 0.39 |
| — | +17155.8% | -91.1% | -91.7% | -89.1% | -93.7% | -31.6% | -39.3% | -34.9% | -18.2% | -23.6% | -11.3% | -0.6% | |
| Interest Coverage | 0.94 | 1.21 | 0.89 | 0.86 | 0.80 | 0.83 | 0.76 | 0.68 | 0.57 | 0.52 | 0.90 | 1.50 | 2.39 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Virginia National Bankshares Corporation's current P/E is 12.7x. The average P/E over the last 4 quarters is 10.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Virginia National Bankshares Corporation's current operating margin is 28.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Virginia National Bankshares Corporation's business trajectory between earnings reports.