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Virginia National Bankshares(NASDAQ) VABK

Market Cap$251.19MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1998)+593%
5 Year+51%
1 Year+15%
1 Month+2%
Premium Feature
Moneyball Superscore
61/100
$46.30
+0.00%
+0.00Today
Virginia National Bankshares last closing stock price
MetricPriceDate
Last closeUSD 46.302026-08-31
Virginia National Bankshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.93%USD 46.742026-08-24
1 month+1.89%USD 45.442026-07-31
3 month+11.2%USD 41.642026-06-02
Year to date+19.14%USD 38.862025-12-31
1 year+15.12%USD 40.222025-08-29
3 year+55.77%USD 29.722023-09-01
5 year+50.71%USD 30.722021-09-01
Since inception+592.85%USD 6.681998-11-13

Virginia National Bankshares Financials at a Glance

Market Cap

$251.19MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$88.02M

Net Income (TTM)

$24.80M

EPS (TTM)

$4.56

P/E Ratio

10.16

Dividend

$1.44

Beta (Volatility)

0.41 (Low)

Price

$46.30

Volume

776.519

Open

$46.60

Previous Close

$46.30

Daily Range

$46.25 - $46.70

52-Week Range

$37.31 - $50.00

Estimated Earnings Date

Oct 29, 2026

VABK News

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Virginia National Bank Q2 Profit Rises

Motley Fool Markets TeamJul 30, 2025

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About Virginia National Bankshares

Virginia National Bankshares Corporation helps people and businesses manage their money. It provides loans to help families buy homes and companies grow. The bank also offers investment advice and trust planning services.

Banking, Trust, and Wealth Tools

  • Lending Services: Commercial and residential loans provided to individuals and companies in the Virginia region.
  • Deposit Accounts: Checking, savings, and certificates of deposit (CDs), which are savings accounts with fixed terms.
  • Wealth Management: Investment advice and stock trading services for individuals and non-profit groups.
  • Trust and Estates: Management of assets and estates, acting as a legal trustee for private clients.
  • Business Banking: Tools to help companies manage cash and process credit card payments for their customers.

Strategic Sales and Expansions

  • Completed the sale of its limited partnership interest in Bearing Insurance Group, LLC on May 1, 2026.
  • Extended the ground lease for the Pantops headquarters for a 20-year term starting Nov. 1, 2026.
  • Funded $85 million in loans during the first half of 2026, including government-guaranteed loans.

What Sets Virginia National Apart

Virginia National maintains a high level of low-cost funding. No-cost and low-cost deposits make up 80.1% of total deposits. The bank operates 13 banking facilities and maintains capital levels far above regulatory requirements.

A Look at the Numbers

  • Net income reached $9.0 million for the three months ended June 30, 2026, up from $4.2 million year over year.
  • Net interest margin (fully tax-equivalent) reached 3.65% for the three months ended June 30, 2026, up 25 basis points.
  • Total assets were $1.6 billion as of June 30, 2026.
  • Tangible book value per share (non-GAAP) reached $34.05 as of June 30, 2026, up from $29.63 as of June 30, 2025.

Bottom Line

Virginia National has evolved from a local bank into a broad financial services company. Its mix of banking, wealth management, and trust services supports its long-term growth.

AI Generated • Aug 14, 2026

Industry

Banks

Sector

Financials

Employees

144

CEO

Glenn W. Rust

Website

www.vnb.com

Headquarters

Charlottesville, VA 22911, US

VABK Financials

Key Financial Metrics (TTM)

Gross Margin

72.06%

Operating Margin

35.31%

Net Income Margin

28.18%

Return on Equity

13.36%

Return on Capital

11.26%

Return on Assets

1.51%

Earnings Yield

9.84%

Dividend Yield

3.11%

Payout Ratio

31.39%

Stock Overview

Market Cap

$251.19MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.43M

Volume

776.519

Avg. Volume

7.44K

Financials (TTM)

Gross Profit

$63.43M

Operating Income

$31.08M

EBITDA

$31.69M

Operating Cash Flow

$23.25M

Capital Expenditure

-$79.00K

Free Cash Flow

$23.17M

Cash & ST Invst.

$35.71M

Total Debt

$29.05M

Virginia National Bankshares Performance Analysis

Virginia National Bankshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 69,988,00019.2%
20232023-12-31USD 79,091,00013.0%
20242024-12-31USD 82,612,0004.5%
20252025-12-31USD 83,340,0000.9%
Virginia National Bankshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-301.8%
Q42025-12-312.3%
Q12026-03-31-4.4%
Q22026-06-3025.4%
Virginia National Bankshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.38104.2%
20232023-12-31USD 3.59-18.1%
20242024-12-31USD 3.15-12.2%
20252025-12-31USD 3.5513.0%
Virginia National Bankshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-307.7%
Q42025-12-3131.0%
Q12026-03-31-11.8%
Q22026-06-3070.1%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$25.53M

+24.9%

Gross Profit

$19.55M

+38.6%

Gross Margin

76.57%

N/A

Market Cap

$251.19MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.74M

N/A

Employees

144

N/A

Net Income

$9.01M

+112.6%

EBITDA

$11.28M

+73.7%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$35.71M

+41.4%

Total Debt

$29.05M

-59.3%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$9.05M

-87.3%

Short Term Debt

$20.00M

N/A

Return on Assets

1.51%

N/A

Return on Invested Capital

14.87%

N/A

Free Cash Flow

$3.71M

-44.7%

Operating Cash Flow

$3.50M

-48.0%

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Questions About VABK

What is the current price of Virginia National Bankshares?

Virginia National Bankshares is trading at $46.30 per share.

What is the 52-week range for Virginia National Bankshares?

Over the past 52 weeks, Virginia National Bankshares has traded between $37.31 and $50.00.

How much debt does Virginia National Bankshares have?

As of the most recent reporting period, Virginia National Bankshares reported total debt of $29.05M.

How much cash does Virginia National Bankshares have on hand?

Virginia National Bankshares does not have cash on hand data available.

What is Virginia National Bankshares’s dividend yield?

Virginia National Bankshares currently has a dividend yield of 3.11%.

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