Saturday 17 October 2026 Export VABK’s income statement to Excel — free account

Virginia National Bankshares Corporation

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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Market cap: $279.1M
P/E: 11.1×
Fwd P/E: 17.8×
Dividend yield: 2.83%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	11.17	14.24	10.87	15.14	9.23	17.62	8.16	10.29	12.09	11.16
Piotroski F-Score Full definition →	8	5	7	3	5	5	5	4	5	7
P/S ratio Full definition →	2.60	3.28	2.95	3.19	2.18	3.01	2.72	2.50	2.46	2.58
P/FCF ratio Full definition →	13.62	11.20	8.44	11.06	8.12	14.98	6.72	13.12	14.00	8.94
P/Operating CF Full definition →	84.82	40.12	32.16	21.34	28.31	29.64	36.52	61.72	61.10	32.91
P/B ratio Full definition →	1.09	1.43	1.30	1.33	0.89	1.09	1.43	1.29	1.28	1.17
Price to Tangible BV Full definition →	1.11	1.46	1.32	1.34	0.90	1.22	1.61	1.41	1.38	1.24
EV/Sales Full definition →	1.04	2.63	2.34	2.68	2.04	(5.50)	2.26	2.98	2.49	1.97
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	4.86	8.54	6.22	9.10	7.44	(24.72)	7.01	16.98	13.61	7.69
EV/FCF Full definition →	5.45	9.01	6.71	9.28	7.60	(27.36)	5.59	15.64	14.19	6.83
Quick Ratio Full definition →	0.07	0.03	0.03	0.03	0.05	0.28	0.03	0.02	0.01	0.05
Current Ratio Full definition →	0.96	0.95	0.97	0.90	0.88	0.87	0.66	0.79	0.88	0.91
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	0.00%	5.29%	0.00%	0.43%	3.54%	0.46%	0.49%	4.04%	1.24%	1.21%
Debt/Equity Full definition →	0.00	0.52	0.00	0.04	0.36	0.06	0.06	0.43	0.12	0.11
Asset Turnover Full definition →	0.04	0.05	0.05	0.05	0.04	0.04	0.04	0.05	0.05	0.05
Operating CF/Net income Full definition →	0.92	1.34	1.39	1.40	1.16	1.30	0.97	0.72	0.90	1.11
Capex/Depreciation Full definition →	(0.34)	(0.28)	(0.56)	(0.13)	(0.07)	(0.21)	1.22	0.51	(0.13)	0.56
ROE Full definition →	9.97%	10.56%	12.47%	9.11%	10.05%	8.24%	15.87%	13.45%	10.83%	11.18%
ROA Full definition →	0.98%	1.05%	1.31%	0.99%	1.03%	0.71%	1.30%	1.18%	1.04%	1.18%
ROIC Full definition →	25.39%	8.46%	12.70%	8.56%	8.85%	0.00%	17.77%	7.61%	8.00%	11.27%
Return on Tangible Assets Full definition →	(40.24%)	(29.82%)	(84.94%)	(11.77%)	(9.73%)	(5.02%)	(4.87%)	(6.96%)	(10.83%)	(16.90%)
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	0.11%	0.04%	0.21%	1.68%	0.78%	0.89%	0.98%	0.92%	1.16%	1.17%
Graham Net Nets Full definition →	(0.35)	(0.31)	(0.18)	(0.62)	(1.64)	(1.32)	(2.64)	(1.85)	(0.96)	(0.71)
Graham Number Full definition →	36.89	38.98	43.54	39.83	44.93	40.97	49.81	48.04	46.06	52.39
Earnings Yield Full definition →	8.95%	7.02%	9.20%	6.60%	10.84%	5.68%	12.26%	9.72%	8.27%	8.96%
Free Cash Flow Yield Full definition →	7.34%	8.93%	11.86%	9.04%	12.32%	6.68%	14.88%	7.62%	7.14%	11.19%
Revenue per Share Full definition →	10.42	11.34	11.71	11.82	12.48	12.58	13.22	14.76	15.55	15.47
Operating CF per Share Full definition →	2.23	3.50	4.41	3.48	3.42	2.80	4.26	2.60	2.85	3.96
Capex per Share Full definition →	(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 Full definition →	1.99	3.32	4.09	3.41	3.34	2.53	5.34	2.82	2.73	4.46
Cash per Share Full definition →	16.25	7.27	7.08	7.10	12.81	108.99	7.54	5.30	3.18	13.10
Shareholders Equity per Share Full definition →	24.92	25.90	26.53	28.32	30.50	34.70	25.06	28.57	29.84	34.17
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	24.92	25.90	26.53	28.32	30.50	34.70	25.06	28.57	29.84	34.17
Free Cash Flow Full definition →	4.72	8.33	10.91	9.16	9.05	11.81	28.45	15.09	14.66	24.02
Working Capital Full definition →	(22.33)	(29.35)	(17.01)	(62.95)	(87.24)	(225.72)	(499.26)	(293.03)	(172.00)	(125.63)
Capital Expenditures Full definition →	(0.58)	(0.46)	(0.85)	(0.19)	(0.20)	(1.26)	5.77	1.19	(0.63)	2.69
Net Current Asset Value Full definition →	(22.33)	(29.35)	(17.01)	(62.95)	(120.82)	(232.83)	(505.44)	(366.03)	(197.39)	(151.82)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.02	0.02	0.03	0.01	0.01	0.02	(0.08)	(0.01)	0.01	(0.03)
Price to Operating Income Full definition →	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 Full definition →	0.21	0.23	0.21	0.24	0.51	0.24	0.27	0.14	0.31	0.41
Cash ROIC Full definition →	4.83%	7.09%	12.18%	9.33%	6.15%	1.74%	15.67%	6.09%	7.43%	8.74%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.00	0.00	0.01	0.01	0.01	0.00	0.00	0.01	0.02	0.02
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	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 Full definition →	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 Full definition →	57.68	62.08	67.92	73.42	79.35	122.29	147.70	143.23	156.67	172.23

Fold the line items

Columns are period end dates

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