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Virginia National Bankshares Corporation

VABK Financial Banks Regional

Virginia National Bankshares Corporation’s revenue for fiscal 2025 (year ended December 2025) was $83.3 million, roughly unchanged from fiscal 2024.

Revenue
+24.9%
EPS
+110.1%
Free cash flow
−47.9%
Total debt
−67.2%

Quarter to June 2026, against a year earlier

53.11 0.45 −0.84%
Market cap
$288.7M
P/E
11.6×
Fwd P/E
17.8×
Dividend yield
2.71%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 14.82%

Capital & Financial Ratios $m

Size
Market Cap 288.65
Revenue ttm 88.02
Net income ttm 24.80
Free cash flow ttm 23.02
Net debt Q (57.35)
Valuation
P/E 11.60
Forward P/E 17.80
Price / sales 3.27
Forward P/S Powerpack
Price / FCF 12.51
Price / book 1.48
Financial health
Current ratio Q 0.93
Debt / equity Q 0.10
Interest coverage Q —
Growth
Revenue growth Q +24.86% (above 0%: growing)
Operating income growth Q +108.00% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A +78.69% (at or above 10%: strong)
EPS, past 5 yrs +3.84%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 48.04%
10-year low 10-year high
P/S against its own 10 years 84.56%
10-year low 10-year high
P/B against its own 10 years 90.98%
10-year low 10-year high

Dividends

Yield
2.71%
Annual rate
1.44
Payout ratio
31.6%
Growth, 2018–26
+0.60%/yr
  1. 1.03 ’18
  2. 1.19 ’19 +15
  3. 1.20 ’20 +1
  4. 1.20 ’21 +0
  5. 1.20 ’22 +0
  6. 1.32 ’23 +10
  7. 1.32 ’24 +0
  8. 1.41 ’25 +7
  9. 1.08 ’26 −23
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 28 17 71 77
Receivables — — — —
Inventory — — — —
Other — — — —
1,127 1,259 1,314 1,316
2023 2024 2025 Q'26
Payables 1,409 1,424 1,432 1,409
ST’ Debt — — — —
Other — — — —
1,420 1,431 1,439 1,418

Compound Annual Growth %

10y 5y 3y
Sales 14.17% 19.78% 5.79%
Cash Flow 14.43% 18.18% (2.03%)
Earnings 19.96% 19.28% (6.33%)
Book Value 12.58% 17.39% 11.34%

EPS $

Mar Jun Sep Dec Year
’26 0.97 1.65 — — —
’25 0.83 0.78 0.84 1.10 3.55
’24 0.68 0.77 0.85 0.85 3.15
’23 1.08 1.05 0.86 0.59 3.58
’22 0.92 1.06 1.08 1.32 4.38
’21 0.55 0.03 0.59 0.98 2.13
’20 0.52 0.77 0.69 0.96 2.94
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 20 26 — — —
’25 21 20 21 21 83
’24 21 20 21 22 84
’23 19 20 20 20 79
’22 17 17 17 19 70
’21 8 17 18 16 59
’20 8 8 8 9 34
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 7 4 — — —
’25 2 7 6 7 21
’24 3 (6) 15 3 15
’23 7 3 1 3 14
’22 9 0 8 5 23
’21 3 1 3 6 13
’20 3 2 2 3 9
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 7 3 — — —
’25 5 7 6 6 24
’24 3 (7) 15 3 15
’23 8 3 2 3 15
’22 9 6 8 5 28
’21 3 1 2 6 12
’20 3 2 2 3 9
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 25 28 31 32 34 59 70 79 84 83 88 +14.5% — — — —
Gross margin, % 96.21 95.67 91.06 86.54 90.08 94.41 95.48 73.42 64.62 69.12 72.27 (27.1) pt
EBT 8 11 11 8 10 12 29 23 21 24 31 +12.5%
EBT margin, % 33.81 38.46 33.76 25.88 29.72 20.29 40.55 29.43 25.02 28.90 35.31 (4.9) pt
Net income 6 7 8 7 8 10 23 19 17 19 25 +14.4%
Per share, $
Per share, $ Revenue 10.42 11.34 11.71 11.82 12.48 12.58 13.22 14.76 15.55 15.47 16.23 +4.5%
Earnings 2.43 2.61 3.18 2.49 2.94 2.14 4.40 3.60 3.16 3.57 4.58 +4.4%
Cash flow 2.23 3.50 4.41 3.48 3.42 2.80 4.26 2.60 2.85 3.96 4.29 +6.6%
Capex (0.24) (0.18) (0.32) (0.07) (0.07) (0.27) 1.08 0.22 (0.12) 0.50 (0.04) n/m
Free cash flow 1.99 3.32 4.09 3.41 3.34 2.53 5.34 2.82 2.73 4.46 4.25 +9.4%
Book value 24.92 25.90 26.53 28.32 30.50 34.70 25.06 28.57 29.84 34.17 35.90 +3.6%
Shares, m 2 3 3 3 3 5 5 5 5 5 5 +9.6%
Valuation, ×
Valuation, × P/E 10.64 13.56 10.35 15.14 9.23 17.62 8.16 10.29 12.09 11.16 11.60 11.8
P/S 2.48 3.12 2.81 3.19 2.18 3.01 2.72 2.50 2.46 2.58 3.27 2.7
P/B 1.04 1.37 1.24 1.33 0.89 1.09 1.43 1.29 1.28 1.17 1.48 1.2
EV/Sales 1.04 2.63 2.34 2.68 2.04 (5.50) 2.26 2.98 2.49 1.97 — 1.5
EV/FCF 5.45 9.01 6.71 9.28 7.60 (27.36) 5.59 15.64 14.19 6.83 — 5.3
Cash, $m
Cash, $m Operating cash flow 5 9 12 9 9 13 23 14 15 21 23 +16.8%
Capex (1) 0 (1) 0 0 (1) 6 1 (1) 3 0 n/m
Free cash flow 5 8 11 9 9 12 28 15 15 24 23 +19.8%
Balance, $m
Balance, $m Working capital (22) (29) (17) (63) (87) (226) (499) (293) (172) (126) (102) +21.2%
Net debt (38) 16 (19) (16) (5) (500) (32) 38 3 (51) (57) +3.1%
Shareholders’ equity 59 65 71 76 83 162 133 153 160 184 195 +13.5%
Returns, %
Returns, % ROA 0.98 1.05 1.31 0.99 1.03 0.71 1.30 1.18 1.04 1.18 1.52 +0.2 pt
ROIC 25.39 8.46 12.70 8.56 8.85 0.00 17.77 7.61 8.00 11.27 14.14 (14.1) pt
ROE 9.97 10.56 12.47 9.11 10.05 8.24 15.87 13.45 10.83 11.18 13.57 +1.2 pt
People
People Employees 85 81 86 97 93 180 166 163 155 148 — +6.4%
Revenue/emp, $m 0.29 0.35 0.36 0.33 0.36 0.33 0.42 0.49 0.54 0.56 — +7.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Virginia National Bankshares Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BPRN Princeton Bancorp, Inc. $299.7M 11.6× 11.2× −2.61% (below 0%: shrinking) +940.00% (above 0%: growing) −38.15% (below 0%: shrinking) 65.93% 0.00% Compare
FNRN First Northern Community Bancorp $291.4M 13.1× — +2.07% (above 0%: growing) −12.99% (below 0%: shrinking) +31.66% (above 0%: growing) 83.16% 0.00% Compare
QNBC QNB Corp. $291.4M — (loss-making) — (loss-making) −74.89% (below 0%: shrinking) n/m +282.00% (above 0%: growing) (90.91%) 0.00% Compare
VABK Virginia National Bankshares Corporation $288.7M 11.6× 17.8× +24.86% (above 0%: growing) +110.13% (above 0%: growing) −47.94% (below 0%: shrinking) 77.48% 0.00%
OVLY Oak Valley Bancorp (CA) $288.3M 12.1× — +4.45% (above 0%: growing) −8.82% (below 0%: shrinking) −20.28% (below 0%: shrinking) 85.32% 0.00% Compare
BCBP BCB Bancorp, Inc. (NJ) $280.8M — (loss-making) — (loss-making) −11.64% (below 0%: shrinking) n/m −8.23% (below 0%: shrinking) 57.20% 0.00% Compare
LCNB LCNB Corporation $278.5M 11.2× 10.7× −0.76% (below 0%: shrinking) +4.08% (above 0%: growing) +43.09% (above 0%: growing) 78.76% 0.00% Compare
FXNC First National Corp. $274.9M 12.7× 11.6× +2.05% (above 0%: growing) +14.29% (above 0%: growing) +60.14% (above 0%: growing) 80.94% 0.00% Compare
WNEB Western New England Bancorp $271.3M 13.7× 14.0× +6.03% (above 0%: growing) +100.00% (above 0%: growing) −9.46% (below 0%: shrinking) 67.88% 0.00% Compare
Median of peers $284.5M 12.4× 11.4× +0.65% +9.19% +11.72% 73.32% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 30 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2024 1.01m 1.13m 124.92
2023 1.01m 1.03m 108.23
2022 1.03m 1.11m 121.77

Ownership

Directors and executive officers, together 14.38%
BlackRock, Inc. 5.40%
The Vanguard Group 5.40%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Virginia National Bankshares Corporation (VABK) Latest News

23 Apr

Impact 4 · · PR Newswire

8 Feb

Impact 3 · · Simply Wall St.

5 Feb

Impact 3 · · PR Newswire

30 Jan

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

29 Jan

Impact 4 · · PR Newswire

27 Jan

Impact 3 · · Simply Wall St.

17 Dec

Impact 4 ·

19 Nov

Impact 3 · · PR NewswireSimply Wall St.MT NewswiresStockStory

18 Nov

Impact 3 · · Simply Wall St.

25 Oct

Impact 4 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

23 Oct

Impact 3 · · PR Newswire

20 Oct

Impact 3 ·

19 Sep

Impact 3 ·

21 Aug

Impact 3 ·

15 Aug

Impact 3 · · Simply Wall St.

24 Jul

Impact 3 ·

22 Jul

Impact 4 · · Simply Wall St.

19 Jun

Impact 3 · · Simply Wall St.

12 Jun

Impact 3 · · Simply Wall St.

26 Apr

Impact 3 · · Simply Wall St.

24 Apr

Impact 4 · · PR Newswire

31 Mar

Impact 3 · · Simply Wall St.

28 Feb

Impact 4 ·

27 Feb

Impact 3 ·

23 Jan

Impact 4 · · PR Newswire earnings

1 Jan

Impact 3 ·

3 Dec

Impact 3 ·

29 Oct

Impact 3 · · Simply Wall St.

21 Oct

Impact 4 · · Simply Wall St.
stockrow.com/VABK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com