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Virginia National Bankshares Corporation VABK R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.vnb.com
Company Profile ↓
$46.94
+22.50% 1Y
Mkt Cap$254.53M
P/E10.07
P/B1.33
Div. Yield3.07%
52W High$47.54
52W Low$36.26
Book Value$35.89
EPS (TTM)$4.66

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

Reasonable Valuation

Trades at a P/E of 10.1, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 39.1%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.16.

Dividend Income

Offers a dividend yield of 3.07%.

Positive Free Cash Flow

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:+22.50%
6 Months:+22.13%
3 Months:+11.96%
1 Month:+0.88%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 95% of range
$36.26 $47.54
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)56.69 · Neutral
Price Performance
1M+0.88%
3M+11.96%
6M+22.13%
1Y+22.50%
Valuation vs Sector

P/E of 10.07 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

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 3.07%.
  • 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.

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Valuation

Stock P/E
10.07
Industry PE
14.52
Forward P/E est.
5.04
PEG Ratio
-
Book Value
$35.89
Price to Book
1.33
P/S
4.10
EV/EBITDA
-
Dividend Yield
3.07%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
8.94%
Revenue (YoY)
38.60%
Earnings (YoY)
111.50%

Profitability & Returns

ROCE
-
ROE
13.57%
ROA
1.51%
Profit Margin
39.10%
Op Margin
59.87%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.97
EPS (TTM)
$4.66

Balance Sheet & Liquidity

Debt/Equity
0.16
Quick Ratio
-
Current Ratio
-
Debt
$29.05M
Total Assets
$1.65B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
12.68%
Chg in Prom Hold
-0.00%
FII / Inst Holding
51.35%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$254.53M
Total Revenue (TTM)
$63.43M
EBITDA
-
Free Cash Flow
$20.75M
Operating Cash Flow
$21.33M
Shares Outstanding
5.42M
Gross Margin
0.00%
Payout Ratio
31.58%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 VABK Virginia National Bankshares Corporation R2KFINANCIAL 46.94 10.07 $254.53M 3.07% - 13.57% - 8.94%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------14.05M14.11M14.42M15.02M14.39M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------6.71M6.34M6.40M6.29M5.97M
Pretax Income -----------------------------------5.39M5.42M5.69M7.58M6.53M
Tax Provision -----------------------------------901.00K1.19M1.11M1.62M1.27M
Net Income 925.00K506.00K445.00K382.00K415.00K767.00K839.00K1.35M1.51M1.40M1.74M1.92M1.75M2.80M1.83M2.16M1.25M2.12M1.90M1.40M2.09M1.87M1.50M147.00K3.14M4.92M5.68M5.77M5.79M5.65M4.65M3.65M4.16M--4.49M4.24M4.58M5.96M5.26M
Diluted EPS 0.350.190.160.140.150.300.340.570.630.590.690.760.681.090.680.800.460.790.710.520.770.690.550.030.590.921.061.081.081.050.860.680.77--0.830.780.841.100.97

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 6.90M1.90M3.12M5.75M6.55M8.47M6.69M7.98M10.07M23.44M19.26M16.97M19.26M
Diluted EPS 2.560.701.232.412.583.152.492.952.144.383.583.153.55

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -512.99M537.05M567.49M605.03M643.89M644.80M702.63M848.41M1.97B1.62B1.65B1.62B1.65B
Total Equity -58.03M60.63M56.30M59.05M65.11M70.74M76.11M82.60M161.99M133.42M153.04M160.30M184.16M
Cash & Equivalents 71.78M40.07M54.11M43.53M38.50M18.28M18.87M-------
Total Liabilities -454.96M476.42M511.19M545.98M578.78M574.06M626.52M765.81M1.81B1.49B1.49B1.46B1.47B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 8.63M7.71M-5.29M8.79M11.76M9.35M9.25M13.06M22.68M13.90M15.29M21.33M
Investing Cash Flow -37.27M-20.81M--42.87M-61.32M-4.44M-54.77M-129.95M262.19M-167.20M-19.77M15.75M31.80M
Financing Cash Flow -3.07M27.13M-32.55M32.30M-6.72M45.63M136.31M198.89M-324.19M-5.88M-42.33M381.00K
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 8.16M6.91M-4.71M8.33M10.91M9.16M9.05M11.77M22.14M12.73M14.56M20.75M
Share Buybacks -262.00K6.34M1.26M-------559.00K-

Ratios (Annual)

Figures in %.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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

Insiders
12.68%
Institutions
51.35%
Public Float
58.81%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 11.54% 314.95K $14.58M
2 Endeavour Capital Advisors Inc 10.95% 298.75K $13.83M
3 Atlantic Union Bankshares Corp 8.88% 242.24K $11.22M
4 Manufacturers Life Insurance Co. 7.60% 207.43K $9.60M
5 Vanguard Capital Management LLC 7.43% 202.84K $9.39M
6 Alliancebernstein L.P. 7.08% 193.27K $8.95M
7 Strategic Value Bank Partners LLC 4.73% 128.95K $5.97M
8 Meridian Financial Partners, LLC 4.66% 127.16K $5.89M
9 Geode Capital Management, LLC 4.62% 125.98K $5.83M
10 State Street Corporation 3.00% 81.72K $3.78M

Analyst View

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Latest News

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VABK — Frequently Asked Questions

What is the current share price of Virginia National Bankshares Corporation (VABK)?

As of 2026-09-07 16:24 PDT, Virginia National Bankshares Corporation (VABK) trades at $46.94 on NasdaqCM. Its 52-week range is $36.26 to $47.54.

What is the market capitalisation of VABK?

Virginia National Bankshares Corporation (VABK) has a market capitalisation of $254.53M on NasdaqCM.

What is the P/E ratio of VABK?

VABK trades at a trailing price-to-earnings (P/E) ratio of 10.07. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.33.

Does VABK pay a dividend?

Virginia National Bankshares Corporation (VABK) currently offers a dividend yield of 3.07%.

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.

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