Virginia National Bankshares Corp
VABK Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$49.69
KIRA · Stoqly’s AI analyst, in plain words
- Virginia National Bankshares Corp had $57.6M of revenue in fiscal 2025, up 6.7% on the year before. Over five years, revenue changed +13.6% a year on average.
- Virginia National Bankshares Corp made $19.3M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 4.4% a year.
- It earned 11.2% on shareholders’ money. Running costs took 58.0% of revenue (the efficiency ratio; lower is better).
Market cap
$271M
P/E
10.9x
Revenue
$57.6M
Net income
$19.3M
Return on equity
11.2%
Efficiency ratio
58.0%
Virginia National Bankshares Corp in 30 seconds · fiscal 2025
Are sales growing?
+6.7%
Yes. Sales grew 6.7% last year.
Does it make a profit?
33.4%
Yes. It keeps 33.4% of every sale as profit.
How lean are its costs?
58.0%
Average. Running costs take 58.0% of revenue.
How much does it earn on its capital?
11.2%
Fair. It earns 11.2% a year on shareholders’ money.
How is the share priced?
10.9x
One share costs 10.9 times its yearly profit per share.
What Virginia National Bankshares Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 27, 2026
- Legal name
- Virginia National Bankshares Corp
- CIK
- 0001572334
Virginia National Bankshares Corp · VABK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $55.5M | $67.2M | $58.1M | $54.0M | $57.6M |
| Revenue growth | 82.1% | 21.2% | −13.6% | −7.1% | 6.7% |
| Net interest income | $45.0M | $53.5M | $49.0M | $46.4M | $51.5M |
| Net income | $10.1M | $23.4M | $19.3M | $17.0M | $19.3M |
| Net margin | 18.2% | 34.9% | 33.2% | 31.4% | 33.4% |
| Diluted EPS | $2.14 | $4.38 | $3.58 | $3.15 | $3.55 |
| Cash | |||||
| Cash from operations | $13.1M | $22.7M | $13.9M | $15.3M | $21.3M |
| Capital expenditure | $1.3M | $0.5M | $1.2M | $0.7M | $0.6M |
| Free cash flow | $11.8M | $22.1M | $12.7M | $14.6M | $20.8M |
| FCF margin | 21.2% | 32.9% | 21.9% | 27.0% | 36.0% |
| Share buybacks | — | — | — | $0.6M | — |
| Share count change | 73.4% | 14.0% | 0.4% | 0.3% | 0.5% |
| Debt and strength | |||||
| Debt incl. finance leases | — | — | $66.5M | $20.0M | $20.0M |
| Loans, net | $1.1B | $931M | $1.1B | — | — |
| Deposits | $1.8B | $1.5B | $1.4B | $1.4B | $1.4B |
| Shareholders' equity | $162M | $133M | $153M | $160M | $184M |
| Returns and quality | |||||
| Return on equity | 8.2% | 15.9% | 13.4% | 10.8% | 11.2% |
| Return on tangible equity | 6.5% | 18.7% | 13.3% | 11.1% | 10.9% |
| Efficiency ratio | 76.7% | 57.4% | 58.7% | 62.4% | 58.0% |
| Piotroski F-score | — | — | — | 3 | 6 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Virginia National Bankshares Corp · VABK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $49.69 a share, the company is worth $271M: 10.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001572334). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.