Symbols / VABK Stock $42.73 +0.87% Virginia National Bankshares Corporation

Financial Services • Banks - Regional • United States • NCM
VABK (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Glenn W. Rust
Exch · Country NCM · United States
Market Cap 230.40M
Enterprise Value 184.24M
Income 20.03M
Sales 57.98M
FCF (ttm) —
Book/sh 34.15
Cash/sh 14.18
Employees 140
Insider 10d —
IPO May 04, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 39.02%
P/E 11.58
Forward P/E —
PEG —
P/S 3.97
P/B 1.25
P/C —
EV/EBITDA —
EV/Sales 3.18
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.69
EPS next Y —
EPS Growth 16.90%
Revenue Growth 3.60%
EPS Gr Q/Q 17.20%
Rev Gr Q/Q —
Earnings (next) 2026-04-23
Earnings (prior) 2026-04-23
ROA 1.22%
ROE 11.34%
ROIC —
Gross Margin 0.00%
Oper. Margin 47.21%
Profit Margin 34.55%
Shs Outstand 5.39M
Shs Float 4.63M
Insider Own 12.76%
Instit Own 51.06%
Short Float 0.50%
Short Ratio 4.17
Short Interest 23.64K
52W High 48.58
vs 52W High -12.04%
52W Low 36.37
vs 52W Low 17.49%
Beta 0.48
Impl. Vol. —
Rel Volume 0.45
Avg Volume 9.10K
Volume 4.07K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $42.36
Price $42.73
Change 0.87%
About

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking products and services in Virginia. It operates through two segments: Bank and VNB Trust and Estate Services. The company provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. The company also offers commercial loans, real estate construction and land loans, commercial real estate loans, 1-4 family residential mortgages, and commercial mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. In addition, it provides automated teller machines, internet banking, treasury, and cash management services; merchant and debit card services; and investment advisory and management services. Further, the company offers investment management, wealth management, corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custody services. It serves individuals, businesses, and charitable organizations. The company was formerly known as Virginia National Bank and changed its name to Virginia National Bankshares Corporation in December 2013. The company was founded in 1998 and is headquartered in Charlottesville, Virginia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$42.73
Latest analyst target
3. DCF / Fair value
$55.35
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$42.73
Low
—
High
—
Mean
—
News
RSS: Latest VABK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-25 BURROWS ROBERT LEE JR. Director — 1,100 $0.00 $0
2026-01-30 ADAMS JOHN BUCHANAN JR. Director — 1,100 $0.00 $0
2026-01-30 RUST GLENN W Chief Executive Officer — 9,164 $0.00 $0
2026-01-30 CRAIG HUNTER E Director — 1,100 $0.00 $0
2026-01-30 STRANGE STERLING T III Director — 1,100 $0.00 $0
2026-01-30 FROSTICK RANDOLPH D Director — 1,100 $0.00 $0
2026-01-30 KEYSER JAY B Director — 1,100 $0.00 $0
2026-01-30 DITTMAR WILLIAM D JR Director — 1,836 $0.00 $0
2026-01-30 CARTER KEVIN T. Director — 1,100 $0.00 $0
2026-01-30 HOUSTON LINDA M Director — 1,100 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
57.60
+8.56%
53.06
-8.63%
58.07
-13.07%
66.80
Operating Revenue
57.60
+8.56%
53.06
-8.63%
58.07
-13.07%
66.80
Selling General And Administration
17.24
-0.72%
17.36
-1.95%
17.71
-6.78%
19.00
Selling And Marketing Expense
0.76
+4.25%
0.73
-33.52%
1.10
-10.29%
1.22
General And Administrative Expense
16.48
-0.94%
16.63
+0.14%
16.61
-6.53%
17.77
Salaries And Wages
15.69
-1.51%
15.93
+0.21%
15.90
-7.88%
17.26
Other Gand A
—
—
—
—
Reconciled Depreciation
3.99
-6.30%
4.26
-10.76%
4.77
-6.21%
5.08
Total Unusual Items
0.28
-70.43%
0.94
+739.29%
0.11
-90.71%
1.21
Total Unusual Items Excluding Goodwill
0.28
-70.43%
0.94
+739.29%
0.11
-90.71%
1.21
Special Income Charges
0.00
-100.00%
0.90
0.00
-100.00%
0.16
Other Special Charges
—
—
—
-2.40
Restructuring And Mergern Acquisition
—
—
—
0.00
Write Off
—
—
0.00
-100.00%
0.24
Net Income
19.26
+13.53%
16.97
-11.92%
19.26
-17.81%
23.44
Pretax Income
24.08
+15.23%
20.90
-10.20%
23.27
-18.47%
28.55
Net Interest Income
51.06
+11.13%
45.95
-5.47%
48.60
-8.76%
53.27
Interest Expense
25.74
-12.91%
29.55
+40.58%
21.02
+560.21%
3.18
Interest Income
76.80
+1.72%
75.50
+8.44%
69.62
+23.33%
56.45
Gain On Sale Of Security
0.00
+100.00%
-0.00
-101.57%
0.25
0.00
Gain On Sale Of Business
—
—
0.00
-100.00%
0.40
Tax Provision
4.82
+22.58%
3.93
-1.92%
4.01
-21.50%
5.11
Tax Rate For Calcs
0.00
+6.38%
0.00
+9.30%
0.00
-3.91%
0.00
Tax Effect Of Unusual Items
0.06
-68.54%
0.18
+817.36%
0.02
-91.07%
0.22
Net Income Including Noncontrolling Interests
19.26
+13.53%
16.97
-11.92%
19.26
-17.81%
23.44
Net Income From Continuing Operation Net Minority Interest
19.26
+13.53%
16.97
-11.92%
19.26
-17.81%
23.44
Net Income From Continuing And Discontinued Operation
19.26
+13.53%
16.97
-11.92%
19.26
-17.81%
23.44
Net Income Continuous Operations
19.26
+13.53%
16.97
-11.92%
19.26
-17.81%
23.44
Normalized Income
19.04
+17.50%
16.20
-15.48%
19.17
-14.60%
22.45
Net Income Common Stockholders
19.26
+13.53%
16.97
-11.92%
19.26
-17.81%
23.44
Diluted EPS
3.55
+12.70%
3.15
-12.01%
3.58
-18.26%
4.38
Basic EPS
3.57
+12.97%
3.16
-12.22%
3.60
-18.18%
4.40
Basic Average Shares
5.39
+0.33%
5.37
+0.27%
5.36
+0.61%
5.32
Diluted Average Shares
5.42
+0.49%
5.39
+0.13%
5.39
+0.63%
5.35
Diluted NI Availto Com Stockholders
19.26
+13.53%
16.97
-11.92%
19.26
-17.81%
23.44
Amortization
1.11
-14.68%
1.30
-12.86%
1.49
-11.34%
1.68
Amortization Of Intangibles Income Statement
1.11
-14.68%
1.30
-12.86%
1.49
-11.34%
1.68
Depreciation Amortization Depletion Income Statement
1.11
-14.68%
1.30
-12.86%
1.49
-11.34%
1.68
Depreciation And Amortization In Income Statement
1.11
-14.68%
1.30
-12.86%
1.49
-11.34%
1.68
Insurance And Claims
0.79
+12.14%
0.70
-1.41%
0.71
+38.94%
0.51
Occupancy And Equipment
4.27
-2.53%
4.38
-8.31%
4.78
-11.88%
5.42
Other Non Interest Expense
9.62
-1.10%
9.73
+3.37%
9.41
-13.32%
10.86
Professional Expense And Contract Services Expense
1.15
+28.19%
0.89
+32.64%
0.67
-50.33%
1.36
Line Item Trend 2023-12-31
Total Assets
1,646.02
Cash And Cash Equivalents
28.39
Cash Financial
18.07
Other Short Term Investments
420.60
Receivables
14.29
Accounts Receivable
14.29
Net PPE
22.94
Gross PPE
46.87
Accumulated Depreciation
-23.93
Buildings And Improvements
13.51
Machinery Furniture Equipment
11.27
Construction In Progress
0.19
Other Properties
6.75
Leases
15.15
Goodwill And Other Intangible Assets
12.86
Goodwill
7.77
Other Intangible Assets
5.09
Investments And Advances
420.60
Total Liabilities Net Minority Interest
1,492.98
Payables And Accrued Expenses
3.95
Payables
3.95
Accounts Payable
3.95
Long Term Debt And Capital Lease Obligation
76.46
Long Term Debt
69.96
Long Term Capital Lease Obligation
6.50
Stockholders Equity
153.04
Common Stock Equity
153.04
Capital Stock
13.26
Common Stock
13.26
Preferred Stock
0.00
Share Issued
5.37
Ordinary Shares Number
5.37
Treasury Shares Number
0.00
Additional Paid In Capital
106.05
Retained Earnings
73.78
Gains Losses Not Affecting Retained Earnings
-40.04
Other Equity Adjustments
-40.04
Total Equity Gross Minority Interest
153.04
Total Capitalization
223.00
Invested Capital
223.00
Total Debt
76.46
Net Debt
41.57
Capital Lease Obligations
6.50
Net Tangible Assets
140.18
Tangible Book Value
140.18
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
36.77
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
21.33
+39.54%
15.29
+9.96%
13.90
-38.71%
22.68
Cash Flow From Continuing Operating Activities
21.33
+39.54%
15.29
+9.96%
13.90
-38.71%
22.68
Net Income From Continuing Operations
19.26
+13.53%
16.97
-11.92%
19.26
-17.81%
23.44
Depreciation Amortization Depletion
3.99
-6.30%
4.26
-10.76%
4.77
-6.21%
5.08
Depreciation
2.88
-2.61%
2.96
-9.80%
3.28
-1.89%
3.34
Amortization Cash Flow
1.11
-14.68%
1.30
-12.86%
1.49
-14.49%
1.75
Depreciation And Amortization
3.99
-6.30%
4.26
-10.76%
4.77
-6.21%
5.08
Amortization Of Intangibles
1.11
-14.68%
1.30
-12.86%
1.49
-14.49%
1.75
Other Non Cash Items
-1.24
-7.53%
-1.16
+34.52%
-1.76
-83.18%
-0.96
Stock Based Compensation
0.97
+0.31%
0.97
+33.29%
0.73
+5.82%
0.69
Asset Impairment Charge
—
—
0.00
-100.00%
0.83
Deferred Tax
0.35
+3420.00%
0.01
+102.11%
-0.47
-242.75%
-0.14
Deferred Income Tax
0.35
+3420.00%
0.01
+102.11%
-0.47
-242.75%
-0.14
Operating Gains Losses
-0.28
+70.30%
-0.94
-1095.74%
0.09
+106.32%
-1.49
Gain Loss On Investment Securities
0.00
-100.00%
0.00
-98.06%
0.21
0.00
Change In Working Capital
-0.68
+68.90%
-2.18
-168.80%
-0.81
+62.52%
-2.16
Change In Receivables
0.68
+149.02%
-1.38
-2751.92%
0.05
+106.28%
-0.83
Changes In Account Receivables
0.68
+149.02%
-1.38
-2751.92%
0.05
+106.28%
-0.83
Change In Payables And Accrued Expense
-1.35
-69.04%
-0.80
+7.18%
-0.86
+35.40%
-1.34
Change In Payable
-1.35
-69.04%
-0.80
+7.18%
-0.86
+35.40%
-1.34
Change In Account Payable
-1.35
-69.04%
-0.80
+7.18%
-0.86
+35.40%
-1.34
Investing Cash Flow
31.80
+101.83%
15.75
+179.70%
-19.77
+88.18%
-167.20
Cash Flow From Continuing Investing Activities
31.80
+101.83%
15.75
+179.70%
-19.77
+88.18%
-167.20
Net PPE Purchase And Sale
2.69
+527.19%
-0.63
-152.99%
1.19
-79.41%
5.76
Purchase Of PPE
-0.58
+20.60%
-0.73
+37.40%
-1.17
-114.47%
-0.55
Sale Of PPE
3.27
+3043.27%
0.10
-95.59%
2.36
-62.64%
6.31
Capital Expenditure
-0.58
+20.60%
-0.73
+37.40%
-1.17
-114.47%
-0.55
Net Investment Purchase And Sale
28.91
-81.25%
154.22
+17.52%
131.23
+144.69%
-293.63
Purchase Of Investment
—
0.00
+100.00%
-83.16
+73.71%
-316.35
Sale Of Investment
28.91
-81.25%
154.22
-28.07%
214.39
+843.51%
22.72
Net Business Purchase And Sale
—
—
—
0.00
Purchase Of Business
—
—
—
—
Gain Loss On Sale Of Business
—
—
0.00
+100.00%
-0.40
Net Other Investing Changes
0.02
-99.04%
2.19
+219.39%
-1.84
+69.05%
-5.93
Financing Cash Flow
0.38
+100.90%
-42.33
-619.53%
-5.88
+98.19%
-324.19
Cash Flow From Continuing Financing Activities
0.38
+100.90%
-42.33
-619.53%
-5.88
+98.19%
-324.19
Net Issuance Payments Of Debt
0.00
+100.00%
-45.91
-169.03%
66.50
0.00
Issuance Of Debt
—
—
66.50
0.00
Repayment Of Debt
0.00
+100.00%
-45.91
—
0.00
Long Term Debt Issuance
—
—
66.50
0.00
Long Term Debt Payments
0.00
+100.00%
-45.91
—
0.00
Net Long Term Debt Issuance
0.00
+100.00%
-45.91
-169.03%
66.50
0.00
Net Common Stock Issuance
0.00
+100.00%
-0.56
0.00
—
Common Stock Payments
0.00
+100.00%
-0.56
0.00
—
Common Stock Dividend Paid
-7.60
-7.28%
-7.09
-0.18%
-7.07
-10.67%
-6.39
Cash Dividends Paid
-7.60
-7.28%
-7.09
-0.18%
-7.07
-10.67%
-6.39
Repurchase Of Capital Stock
0.00
+100.00%
-0.56
0.00
—
Proceeds From Stock Option Exercised
0.04
0.00
-100.00%
0.02
-21.74%
0.02
Net Other Financing Charges
—
—
0.46
—
Changes In Cash
53.51
+574.09%
-11.29
+3.91%
-11.75
+97.49%
-468.70
Beginning Cash Position
17.10
-39.76%
28.39
-29.27%
40.14
-92.11%
508.84
End Cash Position
70.61
+312.87%
17.10
-39.76%
28.39
-29.27%
40.14
Free Cash Flow
20.75
+42.57%
14.56
+14.32%
12.73
-42.49%
22.14
Interest Paid Supplemental Data
26.14
-12.17%
29.77
+34.41%
22.15
+591.66%
3.20
Income Tax Paid Supplemental Data
4.43
+23.74%
3.58
-6.01%
3.81
-14.40%
4.45
Amortization Of Securities
0.81
+53.04%
0.53
+121.52%
-2.44
-571.43%
-0.36
Sale Of Business
—
—
—
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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