VABK
Virginia National Bankshares Corporation
Price Chart
Latest Quote
$44.28
+0.09 (+0.20%)
Current Price
| Previous Close | $44.19 |
| Open | $44.27 |
| Day High | $44.28 |
| Day Low | $44.27 |
| Volume | 2,777 |
Stock Information
| Shares Outstanding | 5.42M |
| Total Debt | $29.40M |
| Cash Equivalents | $76.87M |
| Revenue | $57.98M |
| Net Income | $20.03M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $240.11M |
| P/E Ratio | 12.00 |
| EPS (TTM) | $3.69 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $192.16M |
| Sales | $57.98M |
| Income | $20.03M |
| Book/sh | $34.39 |
| Cash/sh | $14.18 |
| Employees | 140 |
Financial Ratios
| EPS Growth TTM | 17.20% |
Returns & Margins
| ROA | 1.22% |
| ROE | 11.34% |
| Operating Margin | 47.21% |
| Profit Margin | 34.55% |
Ownership
| Insider Ownership | 12.69% |
| Institutional Ownership | 50.18% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 4.14 |
| P/B | 1.29 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $43.11 |
| SMA50 | $42.27 |
| SMA200 | $39.93 |
| RSI | 57.33 |
| ATR | 1.0136 |
| Shares Float | 4.33M |
| Short Float | 0.59% |
| Short Ratio | 4.81 |
| Volatility | 0.46 |
| Rel Volume | 0.50 |
Performance History
| Week | -0.87% |
| Month | +4.93% |
| Quarter | +16.63% |
| 6 Months | +5.72% |
| YTD | +13.55% |
| Year | +24.29% |
| 3 Years | +63.23% |
| 5 Years | +61.10% |
| 10 Years | +168.52% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $44.28 | 2,777 |
| 2026-06-16 | $44.19 | 6,100 |
| 2026-06-15 | $44.78 | 4,400 |
| 2026-06-12 | $45.00 | 4,800 |
| 2026-06-11 | $44.64 | 4,700 |
| 2026-06-10 | $44.67 | 8,500 |
| 2026-06-09 | $43.40 | 5,400 |
| 2026-06-08 | $42.29 | 3,500 |
| 2026-06-05 | $42.25 | 2,500 |
| 2026-06-04 | $42.25 | 11,800 |
| 2026-06-03 | $40.42 | 10,400 |
| 2026-06-02 | $41.96 | 2,400 |
| 2026-06-01 | $42.24 | 5,600 |
| 2026-05-29 | $43.39 | 5,500 |
| 2026-05-28 | $42.97 | 6,400 |
| 2026-05-27 | $42.91 | 4,100 |
| 2026-05-26 | $42.32 | 4,800 |
| 2026-05-22 | $42.66 | 5,600 |
| 2026-05-21 | $42.87 | 6,800 |
| 2026-05-20 | $42.70 | 5,000 |
| 2026-05-19 | $42.50 | 3,200 |
| 2026-05-18 | $42.20 | 9,500 |
About Virginia National Bankshares Corporation
Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking products and services in Virginia. It operates through two segments: Bank and VNB Trust and Estate Services. The company 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 loans, real estate construction and land loans, commercial real estate loans, 1-4 family residential mortgages, and commercial 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; merchant and debit card services; and investment advisory and management services. Further, the company offers investment management, wealth management, corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custody services. It serves individuals, businesses, and charitable organizations. The company was formerly known as Virginia National Bank and changed its name to Virginia National Bankshares Corporation in December 2013. The company was founded in 1998 and is headquartered in Charlottesville, Virginia.
đ° Latest News
Virginia National Bankshares Leads Our 3 Dividend Stock Picks
Simply Wall St. âĸ 2026-06-10T11:32:18Z
3 Dividend Stocks Yielding Up To 4.3%
Simply Wall St. âĸ 2026-05-12T17:32:00Z
Top Dividend Stocks To Consider In April 2026
Simply Wall St. âĸ 2026-04-13T11:31:55Z
Virginia National Bankshares Corporation (NASDAQ:VABK) Passed Our Checks, And It's About To Pay A US$0.36 Dividend
Simply Wall St. âĸ 2026-02-08T12:44:26Z
Top 3 Dividend Stocks To Consider For Your Portfolio
Simply Wall St. âĸ 2026-01-30T17:32:23Z
Investors in Virginia National Bankshares (NASDAQ:VABK) have seen respectable returns of 64% over the past five years
Simply Wall St. âĸ 2026-01-27T10:19:08Z
Top Dividend Stocks To Consider In December 2025
Simply Wall St. âĸ 2025-12-17T11:31:57Z
Top Dividend Stocks To Consider In November 2025
Simply Wall St. âĸ 2025-11-18T17:32:05Z
Virginia National Bankshares (VABK) Net Margin Improvement Reinforces Bullish Narratives on Quality and Consistency
Simply Wall St. âĸ 2025-10-25T05:18:13Z
3 Dividend Stocks To Consider With Yields Up To 3.7%
Simply Wall St. âĸ 2025-10-20T11:31:54Z
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $57,603,000 | $53,061,000 | $58,070,000 | $66,804,000 |
| Operating Revenue | $57,603,000 | $53,061,000 | $58,070,000 | $66,804,000 |
| Expenses | ||||
| Interest Expense | $25,737,000 | $29,551,000 | $21,021,000 | $3,184,000 |
| Selling And Marketing Expense | $761,000 | $730,000 | $1,098,000 | $1,224,000 |
| General And Administrative Expense | $16,477,000 | $16,633,000 | $16,610,000 | $17,771,000 |
| Professional Expense And Contract Services Expense | $1,146,000 | $894,000 | $674,000 | $1,357,000 |
| Other Non Interest Expense | $9,619,000 | $9,726,000 | $9,409,000 | $10,855,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $19,261,000 | $16,966,000 | $19,263,000 | $23,438,000 |
| Net Interest Income | $51,059,000 | $45,945,000 | $48,602,000 | $53,267,000 |
| Interest Income | $76,796,000 | $75,496,000 | $69,623,000 | $56,451,000 |
| Normalized Income | $19,038,600 | $16,202,720 | $19,170,264 | $22,448,695 |
| Net Income From Continuing And Discontinued Operation | $19,261,000 | $16,966,000 | $19,263,000 | $23,438,000 |
| Net Income Common Stockholders | $19,261,000 | $16,966,000 | $19,263,000 | $23,438,000 |
| Net Income | $19,261,000 | $16,966,000 | $19,263,000 | $23,438,000 |
| Net Income Including Noncontrolling Interests | $19,261,000 | $16,966,000 | $19,263,000 | $23,438,000 |
| Net Income Continuous Operations | $19,261,000 | $16,966,000 | $19,263,000 | $23,438,000 |
| Pretax Income | $24,082,000 | $20,899,000 | $23,273,000 | $28,546,000 |
| Special Income Charges | $0 | $904,000 | $0 | $162,000 |
| Depreciation Amortization Depletion Income Statement | $1,110,000 | $1,301,000 | $1,493,000 | $1,684,000 |
| Depreciation And Amortization In Income Statement | $1,110,000 | $1,301,000 | $1,493,000 | $1,684,000 |
| Amortization Of Intangibles Income Statement | $1,110,000 | $1,301,000 | $1,493,000 | $1,684,000 |
| Per Share | ||||
| Diluted EPS | $3.55 | $3.15 | $3.58 | $4.38 |
| Basic EPS | $3.57 | $3.16 | $3.60 | $4.40 |
| Other | ||||
| Tax Effect Of Unusual Items | $55,600 | $176,720 | $19,264 | $215,695 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $278,000 | $940,000 | $112,000 | $1,205,000 |
| Total Unusual Items Excluding Goodwill | $278,000 | $940,000 | $112,000 | $1,205,000 |
| Reconciled Depreciation | $3,988,000 | $4,256,000 | $4,769,000 | $5,085,000 |
| Diluted Average Shares | $5,418,399 | $5,392,114 | $5,385,201 | $5,351,358 |
| Basic Average Shares | $5,388,926 | $5,371,439 | $5,357,085 | $5,324,740 |
| Diluted NI Availto Com Stockholders | $19,261,000 | $16,966,000 | $19,263,000 | $23,438,000 |
| Tax Provision | $4,821,000 | $3,933,000 | $4,010,000 | $5,108,000 |
| Gain On Sale Of Security | $0 | $-4,000 | $254,000 | $0 |
| Amortization | $1,110,000 | $1,301,000 | $1,493,000 | $1,684,000 |
| Selling General And Administration | $17,238,000 | $17,363,000 | $17,708,000 | $18,995,000 |
| Insurance And Claims | $785,000 | $700,000 | $710,000 | $511,000 |
| Salaries And Wages | $15,692,000 | $15,933,000 | $15,900,000 | $17,260,000 |
| Occupancy And Equipment | $4,271,000 | $4,382,000 | $4,779,000 | $5,423,000 |
| Gain On Sale Of Business | - | - | $0 | $404,000 |
| Write Off | - | - | $0 | $242,000 |
| Other Special Charges | - | - | - | $-2,400,000 |
| Restructuring And Mergern Acquisition | - | - | - | $0 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-14
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $173,711,000 | $148,742,000 | $140,179,000 | $119,062,000 |
| Total Assets | $1,649,742,000 | $1,616,826,000 | $1,646,017,000 | $1,623,359,000 |
| Goodwill And Other Intangible Assets | $10,450,000 | $11,560,000 | $12,861,000 | $14,354,000 |
| Other Intangible Assets | $2,682,000 | $3,792,000 | $5,093,000 | $6,586,000 |
| Cash And Cash Equivalents | $16,350,000 | $17,103,000 | $28,390,000 | $40,091,000 |
| Cash Financial | $5,798,000 | $5,311,000 | $18,074,000 | $20,993,000 |
| Cash Cash Equivalents And Federal Funds Sold | $76,786,000 | $23,296,000 | $36,775,000 | $45,273,000 |
| Receivables | - | - | $14,287,000 | $13,507,000 |
| Accounts Receivable | - | - | $14,287,000 | $13,507,000 |
| Debt | ||||
| Net Debt | $7,204,000 | $6,403,000 | $41,569,000 | - |
| Total Debt | $29,746,000 | $28,895,000 | $76,463,000 | $9,586,000 |
| Long Term Debt And Capital Lease Obligation | $29,746,000 | $28,895,000 | $76,463,000 | $9,586,000 |
| Long Term Debt | $23,554,000 | $23,506,000 | $69,959,000 | $3,413,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,465,581,000 | $1,456,524,000 | $1,492,977,000 | $1,489,943,000 |
| Payables And Accrued Expenses | - | - | $3,954,000 | $2,019,000 |
| Payables | - | - | $3,954,000 | $2,019,000 |
| Accounts Payable | - | - | $3,954,000 | $2,019,000 |
| Equity | ||||
| Common Stock Equity | $184,161,000 | $160,302,000 | $153,040,000 | $133,416,000 |
| Total Equity Gross Minority Interest | $184,161,000 | $160,302,000 | $153,040,000 | $133,416,000 |
| Stockholders Equity | $184,161,000 | $160,302,000 | $153,040,000 | $133,416,000 |
| Gains Losses Not Affecting Retained Earnings | $-30,668,000 | $-41,862,000 | $-40,044,000 | $-48,624,000 |
| Other Equity Adjustments | $-30,668,000 | $-41,862,000 | $-40,044,000 | $-48,624,000 |
| Retained Earnings | $94,165,000 | $82,507,000 | $73,781,000 | $63,482,000 |
| Other | ||||
| Ordinary Shares Number | $5,393,140 | $5,370,912 | $5,365,982 | $5,337,271 |
| Share Issued | $5,393,140 | $5,370,912 | $5,365,982 | $5,337,271 |
| Tangible Book Value | $173,711,000 | $148,742,000 | $140,179,000 | $119,062,000 |
| Invested Capital | $207,715,000 | $183,808,000 | $222,999,000 | $136,829,000 |
| Capital Lease Obligations | $6,192,000 | $5,389,000 | $6,504,000 | $6,173,000 |
| Total Capitalization | $207,715,000 | $183,808,000 | $222,999,000 | $136,829,000 |
| Additional Paid In Capital | $107,337,000 | $106,394,000 | $106,045,000 | $105,344,000 |
| Capital Stock | $13,327,000 | $13,263,000 | $13,258,000 | $13,214,000 |
| Common Stock | $13,327,000 | $13,263,000 | $13,258,000 | $13,214,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $6,192,000 | $5,389,000 | $6,504,000 | $6,173,000 |
| Investments And Advances | $247,992,000 | $263,537,000 | $420,595,000 | $538,186,000 |
| Goodwill | $7,768,000 | $7,768,000 | $7,768,000 | $7,768,000 |
| Net PPE | $17,984,000 | $20,934,000 | $22,943,000 | $24,344,000 |
| Accumulated Depreciation | $-26,128,000 | $-25,280,000 | $-23,930,000 | $-23,261,000 |
| Gross PPE | $44,112,000 | $46,214,000 | $46,873,000 | $47,605,000 |
| Leases | $15,203,000 | $15,166,000 | $15,148,000 | $15,558,000 |
| Construction In Progress | $40,000 | $154,000 | $193,000 | $131,000 |
| Other Properties | $6,297,000 | $5,551,000 | $6,748,000 | $6,536,000 |
| Machinery Furniture Equipment | $12,190,000 | $11,817,000 | $11,273,000 | $10,952,000 |
| Buildings And Improvements | $10,382,000 | $13,526,000 | $13,511,000 | $14,428,000 |
| Other Short Term Investments | $247,992,000 | $263,537,000 | $420,595,000 | $538,186,000 |
| Available For Sale Securities | - | $251,505,000 | - | - |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-06-14
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $20,752,000 | $14,556,000 | $12,733,000 | $22,139,000 |
| Operating Activities | ||||
| Operating Cash Flow | $21,334,000 | $15,289,000 | $13,904,000 | $22,685,000 |
| Cash Flow From Continuing Operating Activities | $21,334,000 | $15,289,000 | $13,904,000 | $22,685,000 |
| Operating Gains Losses | $-278,000 | $-936,000 | $94,000 | $-1,488,000 |
| Investing Activities | ||||
| Capital Expenditure | $-582,000 | $-733,000 | $-1,171,000 | $-546,000 |
| Investing Cash Flow | $31,796,000 | $15,754,000 | $-19,767,000 | $-167,197,000 |
| Cash Flow From Continuing Investing Activities | $31,796,000 | $15,754,000 | $-19,767,000 | $-167,197,000 |
| Net Other Investing Changes | $21,000 | $2,192,000 | $-1,836,000 | $-5,933,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $-559,000 | $0 | - |
| Financing Cash Flow | $381,000 | $-42,330,000 | $-5,883,000 | $-324,192,000 |
| Cash Flow From Continuing Financing Activities | $381,000 | $-42,330,000 | $-5,883,000 | $-324,192,000 |
| Cash Dividends Paid | $-7,603,000 | $-7,087,000 | $-7,074,000 | $-6,392,000 |
| Common Stock Dividend Paid | $-7,603,000 | $-7,087,000 | $-7,074,000 | $-6,392,000 |
| Net Common Stock Issuance | $0 | $-559,000 | $0 | - |
| Net Other Financing Charges | - | - | $460,000 | - |
| Other | ||||
| Repayment Of Debt | $0 | $-45,906,000 | - | $0 |
| Interest Paid Supplemental Data | $26,143,000 | $29,767,000 | $22,147,000 | $3,202,000 |
| Income Tax Paid Supplemental Data | $4,430,000 | $3,580,000 | $3,809,000 | $4,450,000 |
| End Cash Position | $70,614,000 | $17,103,000 | $28,390,000 | $40,136,000 |
| Beginning Cash Position | $17,103,000 | $28,390,000 | $40,136,000 | $508,840,000 |
| Changes In Cash | $53,511,000 | $-11,287,000 | $-11,746,000 | $-468,704,000 |
| Proceeds From Stock Option Exercised | $35,000 | $0 | $18,000 | $23,000 |
| Common Stock Payments | $0 | $-559,000 | $0 | - |
| Net Issuance Payments Of Debt | $0 | $-45,906,000 | $66,500,000 | $0 |
| Net Long Term Debt Issuance | $0 | $-45,906,000 | $66,500,000 | $0 |
| Long Term Debt Payments | $0 | $-45,906,000 | - | $0 |
| Net Investment Purchase And Sale | $28,912,000 | $154,221,000 | $131,230,000 | $-293,627,000 |
| Sale Of Investment | $28,912,000 | $154,221,000 | $214,394,000 | $22,723,000 |
| Net PPE Purchase And Sale | $2,687,000 | $-629,000 | $1,187,000 | $5,765,000 |
| Sale Of PPE | $3,269,000 | $104,000 | $2,358,000 | $6,311,000 |
| Purchase Of PPE | $-582,000 | $-733,000 | $-1,171,000 | $-546,000 |
| Change In Working Capital | $-678,000 | $-2,180,000 | $-811,000 | $-2,164,000 |
| Change In Payables And Accrued Expense | $-1,354,000 | $-801,000 | $-863,000 | $-1,336,000 |
| Change In Payable | $-1,354,000 | $-801,000 | $-863,000 | $-1,336,000 |
| Change In Account Payable | $-1,354,000 | $-801,000 | $-863,000 | $-1,336,000 |
| Change In Receivables | $676,000 | $-1,379,000 | $52,000 | $-828,000 |
| Changes In Account Receivables | $676,000 | $-1,379,000 | $52,000 | $-828,000 |
| Other Non Cash Items | $-1,242,000 | $-1,155,000 | $-1,764,000 | $-963,000 |
| Stock Based Compensation | $972,000 | $969,000 | $727,000 | $687,000 |
| Amortization Of Securities | $805,000 | $526,000 | $-2,444,000 | $-364,000 |
| Deferred Tax | $352,000 | $10,000 | $-473,000 | $-138,000 |
| Deferred Income Tax | $352,000 | $10,000 | $-473,000 | $-138,000 |
| Depreciation Amortization Depletion | $3,988,000 | $4,256,000 | $4,769,000 | $5,085,000 |
| Depreciation And Amortization | $3,988,000 | $4,256,000 | $4,769,000 | $5,085,000 |
| Amortization Cash Flow | $1,110,000 | $1,301,000 | $1,493,000 | $1,746,000 |
| Amortization Of Intangibles | $1,110,000 | $1,301,000 | $1,493,000 | $1,746,000 |
| Depreciation | $2,878,000 | $2,955,000 | $3,276,000 | $3,339,000 |
| Gain Loss On Investment Securities | $0 | $4,000 | $206,000 | $0 |
| Net Income From Continuing Operations | $19,261,000 | $16,966,000 | $19,263,000 | $23,438,000 |
| Purchase Of Investment | - | $0 | $-83,164,000 | $-316,350,000 |
| Issuance Of Debt | - | - | $66,500,000 | $0 |
| Long Term Debt Issuance | - | - | $66,500,000 | $0 |
| Asset Impairment Charge | - | - | $0 | $826,000 |
| Gain Loss On Sale Of Business | - | - | $0 | $-404,000 |
| Net Business Purchase And Sale | - | - | - | $0 |
| Sale Of Business | - | - | - | $0 |
| Purchase Of Business | - | - | - | - |
Fetched: 2026-06-14