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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%
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% (at or above 10%: strong)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Virginia National Bankshares Corporation (VABK) Latest News

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