Virginia National Bankshares Corporation VABK R2K

Financial Services · Banks - Regional · United States

https://www.vnb.com

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.

Market & Price

Market Cap

$235.28M

Current Price

$43.39

High / Low (52W)

$43.88 / $35.33

Beta

0.48

Valuation

Stock P/E

11.76

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$34.15

Price to Book

1.27

P/S

4.06

EV/EBITDA

Dividend Yield

3.31%

Profitability & Returns

ROCE

ROE

11.34%

ROA

1.22%

Profit Margin

34.55%

Op Margin

47.21%

EPS (Latest Qtr)

$0.97

EPS (TTM)

$3.69

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$29.40M

Total Assets

$1.65B

Current Assets

Working Capital

Ownership

Promoter Holding

12.69%

Chg in Prom Hold

FII / Inst Holding

50.19%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$187.82M

Total Revenue (TTM)

$57.98M

EBITDA

Free Cash Flow

Operating Cash Flow

$26.49M

Shares Outstanding

5.42M

Gross Margin

0.00%

Payout Ratio

39.02%

Growth (CAGR)

Revenue 5Y

-4.82%

Profit 5Y

-6.33%

Revenue (YoY)

3.60%

Earnings (YoY)

16.90%

PROS

Excellent profit margin of 34.5%.
Attractive dividend yield of 3.31%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -4.8% CAGR over 5 years.
Earnings shrank at -6.3% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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 R2K	43.39	11.76	$235.28M	3.31%	-	11.34%	-4.82%	-6.33%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

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
Revenue	-	-	-	-	-	-	-	-	-	66.80M	58.07M	53.06M	57.60M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	3.18M	21.02M	29.55M	25.74M
Pretax Income	-	-	-	-	-	-	-	-	-	28.55M	23.27M	20.90M	24.08M
Tax Provision	-	-	-	-	-	-	-	-	-	5.11M	4.01M	3.93M	4.82M
Net Income	6.90M	1.90M	3.12M	5.75M	6.55M	8.47M	6.69M	7.98M	-	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	-	4.38	3.58	3.15	3.55

Compounded Sales Growth

5 Years:	-4.82%
1 Year:	3.60%

Compounded Profit Growth

5 Years:	-6.33%
1 Year:	16.90%

Stock Price Performance

1 Year:	+20.36%
6 Months:	+9.61%
3 Months:	+13.01%
1 Month:	+3.64%

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	-	1.62B	1.65B	1.62B	1.65B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	71.78M	40.07M	54.11M	43.53M	38.50M	18.28M	18.87M	-	-	-	40.09M	28.39M	17.10M	16.35M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	13.30M	13.51M	14.29M	-	-
Total Liabilities	-	454.96M	476.42M	511.19M	545.98M	578.78M	574.06M	626.52M	765.81M	-	1.49B	1.49B	1.46B	1.47B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	3.41M	69.96M	23.51M	23.55M
Total Debt	-	-	-	-	-	-	-	-	-	-	9.59M	76.46M	28.89M	29.75M
Total Equity	-	58.03M	60.63M	56.30M	59.05M	65.11M	70.74M	76.11M	82.60M	-	133.42M	153.04M	160.30M	184.16M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	5.34M	5.37M	5.37M	5.39M

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	-	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	-	-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	-	-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	-	-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	-	22.14M	12.73M	14.56M	20.75M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-468.70M	-11.75M	-11.29M	53.51M
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 %	-	-	-	-	-	-	-	-	-	35.1%	33.2%	32.0%	33.4%
ROE %	11.9%	3.1%	5.5%	9.7%	10.1%	12.0%	8.8%	9.7%	-	17.6%	12.6%	10.6%	10.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

12.69%

Institutions

50.19%

Public Float

57.48%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Endeavour Capital Advisors Inc	10.95%	298.75K	$12.96M
2	Blackrock Inc.	10.45%	285.18K	$12.37M
3	Atlantic Union Bankshares Corp	8.88%	242.24K	$10.51M
4	Vanguard Capital Management LLC	8.26%	225.29K	$9.78M
5	Manufacturers Life Insurance Co.	7.66%	208.98K	$9.07M
6	Alliancebernstein L.P.	7.08%	193.13K	$8.38M
7	Meridian Financial Partners, LLC	5.05%	137.66K	$5.97M
8	Strategic Value Bank Partners LLC	4.73%	128.95K	$5.60M
9	Geode Capital Management, LLC	4.33%	118.02K	$5.12M
10	State Street Corporation	2.99%	81.54K	$3.54M

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VABK · Financial Services