Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 24.9%, EPS grew 110.1%, free cash flow fell 47.9% and total debt fell 67.2%, each against the same quarter a year earlier. Dividend growth for five consecutive years.
50.86
0.59
−1.15%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.17 | 14.24 | 10.87 | 15.14 | 9.23 | 17.62 | 8.16 | 10.29 | 12.09 | 11.16 |
Piotroski F-Score |
8 | 5 | 7 | 3 | 5 | 5 | 5 | 4 | 5 | 7 |
P/S ratio |
2.60 | 3.28 | 2.95 | 3.19 | 2.18 | 3.01 | 2.72 | 2.50 | 2.46 | 2.58 |
P/FCF ratio |
13.62 | 11.20 | 8.44 | 11.06 | 8.12 | 14.98 | 6.72 | 13.12 | 14.00 | 8.94 |
P/Operating CF |
84.82 | 40.12 | 32.16 | 21.34 | 28.31 | 29.64 | 36.52 | 61.72 | 61.10 | 32.91 |
P/B ratio |
1.09 | 1.43 | 1.30 | 1.33 | 0.89 | 1.09 | 1.43 | 1.29 | 1.28 | 1.17 |
Price to Tangible BV |
1.11 | 1.46 | 1.32 | 1.34 | 0.90 | 1.22 | 1.61 | 1.41 | 1.38 | 1.24 |
EV/Sales |
1.04 | 2.63 | 2.34 | 2.68 | 2.04 | (5.50) | 2.26 | 2.98 | 2.49 | 1.97 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
4.86 | 8.54 | 6.22 | 9.10 | 7.44 | (24.72) | 7.01 | 16.98 | 13.61 | 7.69 |
EV/FCF |
5.45 | 9.01 | 6.71 | 9.28 | 7.60 | (27.36) | 5.59 | 15.64 | 14.19 | 6.83 |
Quick Ratio |
0.07 | 0.03 | 0.03 | 0.03 | 0.05 | 0.28 | 0.03 | 0.02 | 0.01 | 0.05 |
Current Ratio |
0.96 | 0.95 | 0.97 | 0.90 | 0.88 | 0.87 | 0.66 | 0.79 | 0.88 | 0.91 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 5.29% | 0.00% | 0.43% | 3.54% | 0.46% | 0.49% | 4.04% | 1.24% | 1.21% |
Debt/Equity |
0.00 | 0.52 | 0.00 | 0.04 | 0.36 | 0.06 | 0.06 | 0.43 | 0.12 | 0.11 |
Asset Turnover |
0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
0.92 | 1.34 | 1.39 | 1.40 | 1.16 | 1.30 | 0.97 | 0.72 | 0.90 | 1.11 |
Capex/Depreciation |
(0.34) | (0.28) | (0.56) | (0.13) | (0.07) | (0.21) | 1.22 | 0.51 | (0.13) | 0.56 |
| 9.97% | 10.56% | 12.47% | 9.11% | 10.05% | 8.24% | 15.87% | 13.45% | 10.83% | 11.18% | |
| 0.98% | 1.05% | 1.31% | 0.99% | 1.03% | 0.71% | 1.30% | 1.18% | 1.04% | 1.18% | |
ROIC |
25.39% | 8.46% | 12.70% | 8.56% | 8.85% | 0.00% | 17.77% | 7.61% | 8.00% | 11.27% |
Return on Tangible Assets |
(40.24%) | (29.82%) | (84.94%) | (11.77%) | (9.73%) | (5.02%) | (4.87%) | (6.96%) | (10.83%) | (16.90%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
62.39% | 57.21% | 57.30% | 60.66% | 57.44% | 59.12% | 52.19% | 42.11% | 38.03% | 38.89% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.11% | 0.04% | 0.21% | 1.68% | 0.78% | 0.89% | 0.98% | 0.92% | 1.16% | 1.17% |
Graham Net Nets |
(0.35) | (0.31) | (0.18) | (0.62) | (1.64) | (1.32) | (2.64) | (1.85) | (0.96) | (0.71) |
Graham Number |
36.89 | 38.98 | 43.54 | 39.83 | 44.93 | 40.97 | 49.81 | 48.04 | 46.06 | 52.39 |
Earnings Yield |
8.95% | 7.02% | 9.20% | 6.60% | 10.84% | 5.68% | 12.26% | 9.72% | 8.27% | 8.96% |
Free Cash Flow Yield |
7.34% | 8.93% | 11.86% | 9.04% | 12.32% | 6.68% | 14.88% | 7.62% | 7.14% | 11.19% |
Revenue per Share |
10.42 | 11.34 | 11.71 | 11.82 | 12.48 | 12.58 | 13.22 | 14.76 | 15.55 | 15.47 |
Operating CF per Share |
2.23 | 3.50 | 4.41 | 3.48 | 3.42 | 2.80 | 4.26 | 2.60 | 2.85 | 3.96 |
Capex per Share |
(0.24) | (0.18) | (0.32) | (0.07) | (0.07) | (0.27) | 1.08 | 0.22 | (0.12) | 0.50 |
Free Cash Flow per Share |
1.99 | 3.32 | 4.09 | 3.41 | 3.34 | 2.53 | 5.34 | 2.82 | 2.73 | 4.46 |
Cash per Share |
16.25 | 7.27 | 7.08 | 7.10 | 12.81 | 108.99 | 7.54 | 5.30 | 3.18 | 13.10 |
Shareholders Equity per Share |
24.92 | 25.90 | 26.53 | 28.32 | 30.50 | 34.70 | 25.06 | 28.57 | 29.84 | 34.17 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
24.92 | 25.90 | 26.53 | 28.32 | 30.50 | 34.70 | 25.06 | 28.57 | 29.84 | 34.17 |
Free Cash Flow |
4.72 | 8.33 | 10.91 | 9.16 | 9.05 | 11.81 | 28.45 | 15.09 | 14.66 | 24.02 |
Working Capital |
(22.33) | (29.35) | (17.01) | (62.95) | (87.24) | (225.72) | (499.26) | (293.03) | (172.00) | (125.63) |
Capital Expenditures |
(0.58) | (0.46) | (0.85) | (0.19) | (0.20) | (1.26) | 5.77 | 1.19 | (0.63) | 2.69 |
Net Current Asset Value |
(22.33) | (29.35) | (17.01) | (62.95) | (120.82) | (232.83) | (505.44) | (366.03) | (197.39) | (151.82) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.02 | 0.03 | 0.01 | 0.01 | 0.02 | (0.08) | (0.01) | 0.01 | (0.03) |
Price to Operating Income |
7.69 | 8.52 | 8.73 | 12.33 | 6.66 | 9.14 | 6.64 | 8.51 | 9.82 | 8.92 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.21 | 0.23 | 0.21 | 0.24 | 0.51 | 0.24 | 0.27 | 0.14 | 0.31 | 0.41 |
Cash ROIC |
4.83% | 7.09% | 12.18% | 9.33% | 6.15% | 1.74% | 15.67% | 6.09% | 7.43% | 8.74% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
204,373.12 | 160,600.59 | 74,901.27 | 53,063.89 | 79,596.80 | 199,635.22 | 169,470.28 | 24,467.00 | 17,582.97 | 20,304.69 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
505.56 | 533.81 | 557.75 | 596.87 | 675.99 | 1,263.47 | 1,637.25 | 1,443.72 | 1,416.32 | 1,427.64 |
Average Assets |
586.26 | 624.46 | 644.34 | 673.71 | 775.52 | 1,410.30 | 1,797.77 | 1,634.69 | 1,631.42 | 1,633.28 |
Average Common Equity |
57.68 | 62.08 | 67.92 | 73.42 | 79.35 | 122.29 | 147.70 | 143.23 | 156.67 | 172.23 |
Columns are period end dates