Virginia National Bankshares Corporation VABK R2KFINANCIAL
Company Overview
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.
Why Investors Should Care
Trades at a P/E of 10.9, below the sector median of 13.6.
Maintains a net profit margin of 39.1%.
Carries low leverage with a debt-to-equity ratio of 0.16.
Offers a dividend yield of 3.05%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +38.6%, earnings +111.5%.
- 5-Year Trend Long-term compounding — profit CAGR 8.9%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 38.60% |
Compounded Profit Growth
| 5 Years: | 8.94% |
| 1 Year: | 111.50% |
Stock Price Performance
| 1 Year: | +29.67% |
| 6 Months: | +20.58% |
| 3 Months: | +9.00% |
| 1 Month: | +5.57% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)54.89 · Neutral
P/E of 10.90 is below the sector median of 13.55 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 39.1%.
- Attractive dividend yield of 3.05%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | VABK Virginia National Bankshares Corporation R2KFINANCIAL | 49.69 | 10.90 | $269.58M | 3.05% | - | 13.57% | - | 8.94% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 14.05M | 14.11M | 14.42M | 15.02M | 14.39M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 6.71M | 6.34M | 6.40M | 6.29M | 5.97M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.39M | 5.42M | 5.69M | 7.58M | 6.53M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 901.00K | 1.19M | 1.11M | 1.62M | 1.27M |
| Net Income | 925.00K | 506.00K | 445.00K | 382.00K | 415.00K | 767.00K | 839.00K | 1.35M | 1.51M | 1.40M | 1.74M | 1.92M | 1.75M | 2.80M | 1.83M | 2.16M | 1.25M | 2.12M | 1.90M | 1.40M | 2.09M | 1.87M | 1.50M | 147.00K | 3.14M | 4.92M | 5.68M | 5.77M | 5.79M | 5.65M | 4.65M | 3.65M | 4.16M | - | - | 4.49M | 4.24M | 4.58M | 5.96M | 5.26M |
| Diluted EPS | 0.35 | 0.19 | 0.16 | 0.14 | 0.15 | 0.30 | 0.34 | 0.57 | 0.63 | 0.59 | 0.69 | 0.76 | 0.68 | 1.09 | 0.68 | 0.80 | 0.46 | 0.79 | 0.71 | 0.52 | 0.77 | 0.69 | 0.55 | 0.03 | 0.59 | 0.92 | 1.06 | 1.08 | 1.08 | 1.05 | 0.86 | 0.68 | 0.77 | - | - | 0.83 | 0.78 | 0.84 | 1.10 | 0.97 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 6.90M | 1.90M | 3.12M | 5.75M | 6.55M | 8.47M | 6.69M | 7.98M | 10.07M | 23.44M | 19.26M | 16.97M | 19.26M |
| Diluted EPS | 2.56 | 0.70 | 1.23 | 2.41 | 2.58 | 3.15 | 2.49 | 2.95 | 2.14 | 4.38 | 3.58 | 3.15 | 3.55 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 512.99M | 537.05M | 567.49M | 605.03M | 643.89M | 644.80M | 702.63M | 848.41M | 1.97B | 1.62B | 1.65B | 1.62B | 1.65B |
| Total Equity | - | 58.03M | 60.63M | 56.30M | 59.05M | 65.11M | 70.74M | 76.11M | 82.60M | 161.99M | 133.42M | 153.04M | 160.30M | 184.16M |
| Cash & Equivalents | 71.78M | 40.07M | 54.11M | 43.53M | 38.50M | 18.28M | 18.87M | - | - | - | - | - | - | - |
| Total Liabilities | - | 454.96M | 476.42M | 511.19M | 545.98M | 578.78M | 574.06M | 626.52M | 765.81M | 1.81B | 1.49B | 1.49B | 1.46B | 1.47B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 8.63M | 7.71M | - | 5.29M | 8.79M | 11.76M | 9.35M | 9.25M | 13.06M | 22.68M | 13.90M | 15.29M | 21.33M |
| Investing Cash Flow | -37.27M | -20.81M | - | -42.87M | -61.32M | -4.44M | -54.77M | -129.95M | 262.19M | -167.20M | -19.77M | 15.75M | 31.80M |
| Financing Cash Flow | -3.07M | 27.13M | - | 32.55M | 32.30M | -6.72M | 45.63M | 136.31M | 198.89M | -324.19M | -5.88M | -42.33M | 381.00K |
| Capital Expenditure | -462.00K | -803.00K | -367.00K | -585.00K | -463.00K | -846.00K | -189.00K | -199.00K | -1.29M | -546.00K | -1.17M | -733.00K | -582.00K |
| Free Cash Flow | 8.16M | 6.91M | - | 4.71M | 8.33M | 10.91M | 9.16M | 9.05M | 11.77M | 22.14M | 12.73M | 14.56M | 20.75M |
| Share Buybacks | - | 262.00K | 6.34M | 1.26M | - | - | - | - | - | - | - | 559.00K | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | 11.9% | 3.1% | 5.5% | 9.7% | 10.1% | 12.0% | 8.8% | 9.7% | 6.2% | 17.6% | 12.6% | 10.6% | 10.5% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 11.54% | 314.95K | $15.28M |
| 2 | Endeavour Capital Advisors Inc | 10.95% | 298.75K | $14.49M |
| 3 | Atlantic Union Bankshares Corp | 8.88% | 242.24K | $11.75M |
| 4 | Manufacturers Life Insurance Co. | 7.60% | 207.43K | $10.06M |
| 5 | Vanguard Capital Management LLC | 7.43% | 202.84K | $9.84M |
| 6 | Alliancebernstein L.P. | 7.08% | 193.27K | $9.37M |
| 7 | Strategic Value Bank Partners LLC | 4.73% | 128.95K | $6.25M |
| 8 | Meridian Financial Partners, LLC | 4.66% | 127.16K | $6.17M |
| 9 | Geode Capital Management, LLC | 4.62% | 125.98K | $6.11M |
| 10 | State Street Corporation | 3.00% | 81.72K | $3.96M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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VABK — Frequently Asked Questions
What is the current share price of Virginia National Bankshares Corporation (VABK)?
As of 2026-10-23 16:27 PDT, Virginia National Bankshares Corporation (VABK) trades at $49.69 on NasdaqCM. Its 52-week range is $36.26 to $51.45.
What is the market capitalisation of VABK?
Virginia National Bankshares Corporation (VABK) has a market capitalisation of $269.58M on NasdaqCM.
What is the P/E ratio of VABK?
VABK trades at a trailing price-to-earnings (P/E) ratio of 10.90. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.31.
Does VABK pay a dividend?
Virginia National Bankshares Corporation (VABK) currently offers a dividend yield of 3.05%.
What is the return on equity (ROE) of VABK?
VABK has a return on equity (ROE) of 13.57%.
Is VABK a good stock to buy?
This page provides a data-driven analysis of Virginia National Bankshares Corporation (VABK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.