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VABK

Virginia National Bankshares Corporation

VABK

Virginia National Bankshares Corporation • NASDAQ
$40.60 ▲ 0.20% (+0.08)
Market Cap $218.96 M
52w High $44.57
52w Low $33.66
Dividend Yield 1.74%
P/E 12.3
Volume 5.76K
Outstanding Shares 5.39M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $0 ▼ $0 ▼ $0 ▼ 0% ▼ $0.85 ▲ $0 ▼
Q2-2025 $20.447M ▼ $8.681M ▼ $4.238M ▼ 20.727% ▼ $0.79 ▼ $6.494M ▲
Q1-2025 $20.766M ▼ $8.824M ▲ $4.489M ▼ 21.617% ▼ $0.83 ▼ $6.451M ▼
Q4-2024 $21.041M ▲ $8.257M ▲ $4.561M ▼ 21.677% ▼ $0.85 ▼ $6.886M ▲
Q3-2024 $20.858M $7.943M $4.6M 22.054% $0.86 $6.71M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $0 ▼ $1.606B ▼ $1.429B ▼ $177.359M ▲
Q2-2025 $25.254M ▼ $1.635B ▲ $1.464B ▼ $170.772M ▲
Q1-2025 $39.15M ▲ $1.634B ▲ $1.467B ▲ $166.781M ▲
Q4-2024 $29.135M ▼ $1.617B ▲ $1.457B ▲ $160.302M ▼
Q3-2024 $298.488M $1.615B $1.449B $165.909M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $4.576M ▲ $5.978M ▼ $15.713M ▲ $-37.118M ▼ $-15.427M ▼ $6.263M ▼
Q2-2025 $4.238M ▼ $6.738M ▲ $8.3M ▲ $-6.089M ▼ $8.949M ▼ $6.712M ▲
Q1-2025 $4.489M ▼ $2.092M ▼ $1.726M ▲ $8.652M ▲ $12.47M ▲ $1.833M ▼
Q4-2024 $4.561M ▼ $3.359M ▼ $-12.51M ▲ $7.089M ▼ $-2.062M ▼ $3.176M ▼
Q3-2024 $4.6M $15.181M $-40.779M $27.463M $1.865M $15.059M

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown gradually over the past several years and has held fairly steady more recently, which suggests a stable core franchise. Profitability, however, appears to have peaked a couple of years ago and then softened, with earnings per share drifting down from earlier highs. This points to some margin pressure—likely from funding costs, loan yields, or credit and operating expenses—yet the bank remains consistently profitable. Overall, the income statement tells a story of a solid but not fast‑growing regional bank that is managing through a tougher interest‑rate and cost environment.

Balance Sheet

Balance Sheet The balance sheet looks generally sound, with total assets relatively stable after a period of earlier growth and capital levels trending upward over time. The bank uses only modest debt, and shareholder equity has been building, which supports resilience and regulatory capital strength. Cash levels spiked a few years ago—likely reflecting pandemic‑era liquidity—and have since normalized back to more typical levels, which reduces the cash cushion but is not unusual for regional banks. In short, the balance sheet reflects a conservatively run community bank with reasonable leverage and steady capitalization, though without strong recent asset growth.

Cash Flow

Cash Flow Cash generation from day‑to‑day operations has been consistently positive, and free cash flow has also stayed in positive territory, indicating that the bank’s underlying business funds itself without strain. Capital spending is very light, which is typical for a financial institution and means cash is not being heavily tied up in physical investments. The pattern suggests a stable, cash‑generative franchise with enough internal resources to support normal operations and strategic flexibility, even if it does not indicate rapid expansion.

Competitive Edge

Competitive Edge Virginia National Bankshares operates as a relationship‑driven community and regional bank focused on Virginia markets. Its edge comes from deep local ties, local decision‑making, and personalized service, especially for small and mid‑sized businesses and higher‑net‑worth clients. The integration of traditional banking with trust, estate, and investment management services gives it a more complete offering than many smaller community banks. The main competitive risks stem from its relatively small scale, concentration in specific local economies, and competition from much larger banks with more advanced technology and broader product sets.

Innovation and R&D

Innovation and R&D The bank is not a technology disruptor, but it does use standard digital banking tools and internal systems to support its high‑touch service model. Its innovation is more about how it delivers banking—through personalized advice, local expertise, and integrated wealth and trust services—rather than building proprietary platforms. Future efforts seem likely to center on gradual upgrades to online and mobile banking, expanded treasury and cash‑management capabilities for businesses, and selective acquisitions or niche industry focus rather than big, headline‑grabbing tech investments.

Summary

Virginia National Bankshares presents as a steady, community‑oriented regional bank: revenues are stable, earnings remain positive but have come off prior peaks, and the balance sheet shows conservative leverage with growing capital. Cash flows are consistently positive, and investment needs are modest, supporting operational stability. Its competitive strength lies in local relationships, community involvement, and integrated wealth and trust services, rather than scale or cutting‑edge technology. Key watchpoints include continued margin pressure, limited recent asset growth, and competition from larger, more technologically advanced banks, balanced against its strong local franchise and relationship‑driven model.

NEWS

November 19, 2025 · 8:30 AM UTC

VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES PLANNED LEADERSHIP TRANSITION

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October 23, 2025 · 4:15 PM UTC

VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2025 THIRD QUARTER EARNINGS AND QUARTERLY DIVIDEND

Read more