VABK

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Virginia National Bankshares Corp.

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Key Metrics

Previous Close: $46.68
52-Week Range: $37.31 – $50.00
Market Cap: $252.17M
P/E (TTM): 10.19
EPS (TTM): 4.56
Dividend Yield: 3.06%

Advanced Metrics

Price/Book: 1.30
PEG Ratio: —
Return on Equity: 13.57%
Return on Assets: 1.51%
Gross Margin: 0.00%
Operating Margin: 59.87%
Profit Margin: 39.10%
Current Ratio: —
Debt/Equity: —
Total Debt: $29.05M
Free Cash Flow: —
Revenue Growth: 38.60%
Earnings Growth: 111.50%
Enterprise Value: $204.96M

VABK Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$66.80M	$58.07M	$53.06M	$57.60M
Selling, General & Admin	$19.00M	$17.71M	$17.36M	$17.24M
Pretax Income	$28.55M	$23.27M	$20.90M	$24.08M
Income Tax	$5.11M	$4.01M	$3.93M	$4.82M
Net Income	$23.44M	$19.26M	$16.97M	$19.26M
Diluted EPS	4.38	3.58	3.15	3.55
Diluted Shares	5.35M	5.39M	5.39M	5.42M

VABK Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$40.09M	$28.39M	$17.10M	$16.35M
Receivables	$13.51M	$14.29M	—	—
Total Assets	$1.62B	$1.65B	$1.62B	$1.65B
Long-Term Debt	$3.41M	$69.96M	$23.51M	$23.55M
Total Debt	$9.59M	$76.46M	$28.89M	$29.75M
Total Liabilities	$1.49B	$1.49B	$1.46B	$1.47B
Retained Earnings	$63.48M	$73.78M	$82.51M	$94.17M
Shareholders' Equity	$133.42M	$153.04M	$160.30M	$184.16M
Net Debt	—	$41.57M	$6.40M	$7.20M

VABK Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$22.68M	$13.90M	$15.29M	$21.33M
Capital Expenditure	-$546.00K	-$1.17M	-$733.00K	-$582.00K
Free Cash Flow	$22.14M	$12.73M	$14.56M	$20.75M
Depreciation & Amortisation	$5.08M	$4.77M	$4.26M	$3.99M
Stock-Based Compensation	$687.00K	$727.00K	$969.00K	$972.00K
Investing Cash Flow	-$167.20M	-$19.77M	$15.75M	$31.80M
Financing Cash Flow	-$324.19M	-$5.88M	-$42.33M	$381.00K
Dividends Paid	-$6.39M	-$7.07M	-$7.09M	-$7.60M
Share Repurchases	—	$0.00	-$559.00K	$0.00
Net Change in Cash	-$468.70M	-$11.75M	-$11.29M	$53.51M

VABK Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$14.11M	$14.42M	$15.02M	$14.39M	—
Selling, General & Admin	$4.19M	$4.33M	$4.38M	$4.44M	—
Pretax Income	$5.42M	$5.69M	$7.58M	$6.53M	—
Income Tax	$1.19M	$1.11M	$1.62M	$1.27M	—
Net Income	$4.24M	$4.58M	$5.96M	$5.26M	—
Diluted EPS	0.78	0.84	1.10	0.97	1.65
Diluted Shares	5.42M	5.42M	5.42M	5.44M	5.46M

VABK Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$26.23M	$15.84M	$15.13M	$16.35M	$19.11M
Total Assets	$1.63B	$1.63B	$1.61B	$1.65B	$1.65B
Long-Term Debt	$23.52M	$64.53M	$33.54M	$23.55M	$23.57M
Total Debt	$28.54M	$71.42M	$40.08M	$29.75M	$29.40M
Total Liabilities	$1.47B	$1.46B	$1.43B	$1.47B	$1.46B
Retained Earnings	$85.22M	$87.51M	$90.15M	$94.17M	$97.47M
Shareholders' Equity	$166.78M	$170.77M	$177.36M	$184.16M	$186.50M
Net Debt	—	$48.69M	$18.41M	$7.20M	$4.46M

VABK Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$2.09M	$6.74M	$5.98M	$6.53M	$7.24M
Capital Expenditure	-$259.00K	-$26.00K	—	-$364.00K	-$207.00K
Free Cash Flow	$1.83M	$6.71M	$6.04M	$6.16M	$7.04M
Depreciation & Amortisation	$1.06M	$1.07M	-$187.00K	$2.04M	$794.00K
Stock-Based Compensation	$248.00K	$247.00K	$242.00K	$235.00K	$302.00K
Investing Cash Flow	$1.73M	$8.30M	$15.71M	$6.06M	$5.96M
Financing Cash Flow	$8.65M	-$6.09M	-$37.12M	$34.94M	-$6.95M
Dividends Paid	-$1.78M	-$1.94M	-$1.94M	-$1.94M	-$1.95M
Share Repurchases	$0.00	$0.00	$0.00	$0.00	—
Net Change in Cash	$12.47M	$8.95M	-$15.43M	$47.52M	$6.25M

Market Snapshot

About

Virginia National Bankshares Corp. is the holding company for Virginia National Bank, a community bank serving customers in central Virginia. The company provides traditional banking services including deposits, loans, mortgages, and wealth management to individuals and small to medium-sized businesses. Virginia National focuses on relationship banking with personalized service in its local markets.