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

Fold the line items

Columns are period end dates

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