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

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 14.82%

Capital & Financial Ratios $m

Market Cap 279.11

Revenue 88.02

Net Income 24.80

Free Cash Flow 23.02

Net Debt (57.35)

Current Ratio 0.93

Debt/Equity 0.10

P/E ratio 11.10

Fwd P/E 17.80

P/S ratio 3.13

P/B ratio 1.42

Past 5Y EPS Growth 3.84%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth 78.69%

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 36.45%

10-year low 10-year high

P/S against its own 10 years 73.02%

10-year low 10-year high

P/B against its own 10 years 80.91%

10-year low 10-year high

Dividends

Payout Ratio 0.32

Annual Dividend Rate 1.44

Annual Dividend Yield 2.83%

	total	individual payouts
2026	1.08	0.36 0.36 0.36
2025	1.41	0.33 0.36 0.36 0.36
2024	1.32	0.33 0.33 0.33 0.33
2023	1.32	0.33 0.33 0.33 0.33
2022	1.20	0.30 0.30 0.30 0.30
2021	1.20	0.30 0.30 0.30 0.30
2020	1.20	0.30 0.30 0.30 0.30
2019	1.19	0.29 0.30 0.30 0.30
2018	1.03	0.17 0.29 0.29 0.29
2017	0.73	0.12 0.15 0.15 0.15 0.17
2016	0.44	0.09 0.12 0.12 0.12

special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	21.67	25.95	34.40	34.45	23.30	27.11	27.05	24.96	24.06	33.66	Analyst estimates 2026–2028 Powerpack
	High	27.62	47.62	53.98	40.00	37.75	39.74	40.00	43.08	44.00	44.57
People
People	Employees	85	81	86	97	93	180	166	163	155	148
	Revenue/emp, $m	0.29	0.35	0.36	0.33	0.36	0.33	0.42	0.49	0.54	0.56
Income, $m
Income, $m	Revenue	25	28	31	32	34	59	70	79	84	83
	Gross margin, %	96.21	95.67	91.06	86.54	90.08	94.41	95.48	73.42	64.62	69.12
	EBT	8	11	11	8	10	12	29	23	21	24
	EBT margin, %	33.81	38.46	33.76	25.88	29.72	20.29	40.55	29.43	25.02	28.90
	Net income	6	7	8	7	8	10	23	19	17	19
	Depreciation	2	2	2	1	3	6	5	2	5	5
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
	Earnings	2.43	2.61	3.18	2.49	2.94	2.14	4.40	3.60	3.16	3.57
	Cash flow	2.23	3.50	4.41	3.48	3.42	2.80	4.26	2.60	2.85	3.96
	Capex	(0.24)	(0.18)	(0.32)	(0.07)	(0.07)	(0.27)	1.08	0.22	(0.12)	0.50
	Free cash flow	1.99	3.32	4.09	3.41	3.34	2.53	5.34	2.82	2.73	4.46
	Book value	24.92	25.90	26.53	28.32	30.50	34.70	25.06	28.57	29.84	34.17
	Shares, m	2	3	3	3	3	5	5	5	5	5
Valuation, ×
Valuation, ×	P/E	11.17	14.24	10.87	15.14	9.23	17.62	8.16	10.29	12.09	11.16
	P/S	2.60	3.28	2.95	3.19	2.18	3.01	2.72	2.50	2.46	2.58
	P/B	1.09	1.43	1.30	1.33	0.89	1.09	1.43	1.29	1.28	1.17
	EV/Sales	1.04	2.63	2.34	2.68	2.04	(5.50)	2.26	2.98	2.49	1.97
	EV/FCF	5.45	9.01	6.71	9.28	7.60	(27.36)	5.59	15.64	14.19	6.83
Cash, $m
Cash, $m	Operating cash flow	5	9	12	9	9	13	23	14	15	21
	Capex	(1)	0	(1)	0	0	(1)	6	1	(1)	3
	Free cash flow	5	8	11	9	9	12	28	15	15	24
Balance, $m
Balance, $m	Working capital	(22)	(29)	(17)	(63)	(87)	(226)	(499)	(293)	(172)	(126)
	Total debt	20	34	—	3	30	9	8	67	20	20
	Net debt	(38)	16	(19)	(16)	(5)	(500)	(32)	38	3	(51)
	Shareholders’ equity	59	65	71	76	83	162	133	153	160	184
Returns, %
Returns, %	ROA	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
	ROE	9.97	10.56	12.47	9.11	10.05	8.24	15.87	13.45	10.83	11.18

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ATLO Ames National Corporation	$284.8M	12.5×	11.0×	+7.68% (above 0%: growing)	+31.37% (above 0%: growing)	−13.26% (below 0%: shrinking)	73.46%	0.00%	Compare
FUNC First United Corporation	$283.5M	11.4×	9.1×	+5.24% (above 0%: growing)	−4.35% (below 0%: shrinking)	+705.52% (above 0%: growing)	75.95%	0.00%	Compare
FRAF Franklin Financial Services Corp.	$282.6M	11.4×	10.0×	+1.12% (above 0%: growing)	+11.36% (above 0%: growing)	+20.95% (above 0%: growing)	71.88%	0.00%	Compare
OVLY Oak Valley Bancorp (CA)	$282.3M	12.0×	—	+4.45% (above 0%: growing)	−8.82% (below 0%: shrinking)	−20.28% (below 0%: shrinking)	85.32%	0.00%	Compare
ISBA Isabella Bank Corporation	$280.1M	13.5×	11.9×	+13.60% (above 0%: growing)	+1.47% (above 0%: growing)	+1.06% (above 0%: growing)	73.42%	0.00%	Compare
VABK Virginia National Bankshares Corporation	$279.1M	11.1×	17.8×	+24.86% (above 0%: growing)	+110.13% (above 0%: growing)	−47.94% (below 0%: shrinking)	77.48%	0.00%
NKSH National Bankshares, Inc.	$276.0M	13.6×	10.7×	+6.17% (above 0%: growing)	+119.44% (above 0%: growing)	+118.57% (above 0%: growing)	71.02%	0.00%	Compare
FNRN First Northern Community Bancorp	$273.3M	12.2×	—	+2.07% (above 0%: growing)	−12.99% (below 0%: shrinking)	+31.66% (above 0%: growing)	83.16%	0.00%	Compare
WNEB Western New England Bancorp	$271.6M	16.1×	13.4×	+3.49% (above 0%: growing)	−21.74% (below 0%: shrinking)	−9.46% (below 0%: shrinking)	66.47%	0.00%	Compare
Median of peers	$281.2M	12.3×	10.9×	+4.85%	−1.44%	+11.01%	73.44%	0.00%

All 323 Banks Regional stocks →

Virginia National Bankshares Corporation (VABK) key facts

Strength: Net income was $19.3 million, or $3.57 per share (basic), a net margin of 23.1%.
Virginia National Bankshares Corporation (VABK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
Virginia National Bankshares Corporation’s revenue for fiscal 2025 (year ended December 2025) was $83.3 million, roughly unchanged from fiscal 2024.
As of October 16, 2026, VABK traded at $50.86, a market capitalization of $279.1 million.
At that price the stock trades at 11.1× trailing-twelve-month earnings and 3.1× sales; its P/E is higher than 36% of its own readings over the past ten years.
Virginia National Bankshares Corporation pays an annual dividend of $1.44 per share, a yield of 2.83%, with a payout ratio of 31.6%.
Return on equity was 11.2% and debt-to-equity 0.10.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.