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Virginia National Bankshares Corporation(VABK)Earnings, Financials & Key Ratios
VABK•NASDAQ•Banking & Credit
$43.49
12.3× P/E·Price updated Jul 7, 2026
AboutVirginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial banking services. The company operates through four segments: Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. It 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 and industrial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential 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, as well as merchant and debit card services; and wealth and investment advisory, brokerage, insurance, consulting, and related services. Further, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations. As of December 31, 2021, the company operated sixteen full-service banking facilities in the cities of Charlottesville, Manassas, Richmond, and Winchester, as well as the counties of Albemarle, Fauquier, and Prince William. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia.Show more
- Net Interest Income$52M+12.1%
- Total Revenue$83M+0.9%
- Net Income$19M+13.5%
- Return on Equity11.18%+3.3%
- Net Interest Margin3.12%+9.9%
- Efficiency Ratio40.06%+1.0%
- ROA1.18%+13.4%
- Equity / Assets11.16%+12.6%
- Book Value per Share33.99+14.3%
VABK Price & Volume
Virginia National Bankshares Corporation (VABK) stock price & volume — 10-year historical chart
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Stagnant Asset Growth Limits Core Margin Expansion
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Regional real estate concentration
Key Thesis Takeaways
- Virginia National Bankshares maintains a highly conservative balance sheet with total assets locked at $1.6 billion for ten consecutive quarters, prioritizing capital preservation over aggressive expansion.
- While net interest income has recovered to $12.9 million as of 2026Q1, the bank faces persistent margin compression with NIM hovering between 0.7% and 0.8%.
- Investors should monitor the ongoing decline in fee income, which dropped from 11.1% of revenue in 2023Q4 to 7.3% in 2026Q1, as the firm navigates duration risks within its $1.5 billion investment securities portfolio.
Verdict Logic
while the bank maintains a stable dividend yield of 3.1% and consistent net income of $5.3 million in 2026Q1, the lack of asset growth and declining fee income suggest limited upside potential.
VABK Growth Metrics
Virginia National Bankshares Corporation (VABK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.32%
5 Years19.78%
3 Years5.99%
TTM-
Profit CAGR
10 Years19.96%
5 Years19.28%
3 Years-6.33%
TTM12.48%
EPS CAGR
10 Years12.03%
5 Years3.77%
3 Years-6.76%
TTM12.16%
Return on Capital
10 Years12.97%
5 Years12.09%
3 Years11.37%
Last Year11.72%
VABK Recent Earnings
Virginia National Bankshares Corporation (VABK) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.97
—
Rev
$20M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$1.10
—
Rev
$21M
—
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.84
—
Rev
—
—
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.78
—
Rev
$20M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.97 | $20M |
| Q1 2026 | Jan 29, 2026 | $1.10 | $21M |
| Q4 2025 | Oct 23, 2025 | $0.84 | — |
| Q3 2025 | Jul 24, 2025 | $0.78 | $20M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Virginia National Bankshares Corporation (VABK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $43.49 | $235.82M | 12.25 | 0.88% | 23.11% | 11.18% | 3.23% | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — | |
| $36.20 | $230.54M | 14.54 | 7.88% | 20.41% | 9.76% | — | |
| $32.32 | $718.22M | 23.09 | 6.24% | 33.81% | 24.82% | — |
Compare VABK vs Peers
Virginia National Bankshares Corporation (VABK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
VABK SEC Filings & Documents
Virginia National Bankshares Corporation (VABK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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VABK Frequently Asked Questions
Virginia National Bankshares Corporation (VABK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Virginia National Bankshares Corporation growing?
Virginia National Bankshares Corporation (VABK) grew revenue by 0.9% over the past year. Growth has been modest.
Is VABK profitable?
Yes, Virginia National Bankshares Corporation (VABK) is profitable, generating $20.0M in net income for fiscal year 2025 (23.1% net margin).
Dividend & Returns
Does VABK pay dividends?
Yes, Virginia National Bankshares Corporation (VABK) pays a dividend with a yield of 3.23%. This makes it attractive for income-focused investors.
What is VABK's return on equity?
Virginia National Bankshares Corporation (VABK) has a return on equity (ROE) of 11.2%. This is reasonable for most industries.
Industry Metrics
What is Virginia National Bankshares Corporation's net interest margin?
Virginia National Bankshares Corporation (VABK) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Virginia National Bankshares Corporation's efficiency ratio?
Virginia National Bankshares Corporation (VABK) has an efficiency ratio of 40.1%. This is excellent, indicating strong cost control.