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Virginia National Bankshares(NASDAQ) VABK

Current Price$44.14
Market Cap$245.42MMarket 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)+572%
5 Year+41%
1 Year+24%
1 Month+1%
Virginia National Bankshares last closing stock price
MetricPriceDate
Last closeUSD 45.262026-07-21
Virginia National Bankshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.42%USD 45.452026-07-14
1 month+1.23%USD 44.712026-06-18
3 month+9.17%USD 41.462026-04-22
Year to date+15.57%USD 39.162025-12-31
1 year+24.48%USD 36.362025-07-21
3 year+59.43%USD 28.392023-07-21
5 year+41.14%USD 32.072021-07-22
Since inception+572.13%USD 6.731998-11-13

Virginia National Bankshares Financials at a Glance

Market Cap

$245.42MMarket 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)

$82.94M

Net Income (TTM)

$20.03M

EPS (TTM)

$3.69

P/E Ratio

12.26

Dividend

$1.44

Beta (Volatility)

0.40 (Low)

Price

$44.14

Volume

1,543.677

Open

$44.67

Previous Close

$45.26

Daily Range

$44.14 - $44.67

52-Week Range

$36.60 - $48.76

Estimated Earnings Date

Apr 23, 2026

VABK News

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Motley Fool Markets TeamJul 30, 2025

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About Virginia National Bankshares

Virginia National Bankshares helps people and small businesses manage their money. It provides safe deposit accounts and expert wealth management advice. The company serves local communities through its offices across Virginia.

What Does the Bank Offer?

  • Commercial Banking: Business loans, checking accounts, and cash management tools for companies; operates as the largest segment by income.
  • Personal Banking: Savings accounts, certificates of deposit, and residential mortgages for individuals and families.
  • Wealth Management: Investment advice, brokerage services, and insurance solutions for individuals and charitable organizations.
  • Trust and Estate: Fiduciary services, estate administration, and custody solutions through VNB Trust and Estate Services.

Recent Moves and Strategic Sales

  • Completed the sale of its interest in Bearing Insurance Group, LLC on May 1, 2026.
  • Funded $39 million in new loans during the first quarter of 2026 to drive interest income.
  • Integrated $11 million of purchased government-guaranteed loans into the portfolio during early 2026.
  • Maintained sixteen full-service facilities across major Virginia hubs like Richmond, Manassas, and Winchester.

Operational Strengths

The bank maintains high credit standards, resulting in very low levels of nonperforming assets. It utilizes a high volume of government-guaranteed loans to reduce the need for credit loss reserves.

Key Numbers for the Quarter

  • Net income reached $5.3 million in Q1 2026, up 17.2% from $4.5 million in Q1 2025.
  • Operating income grew to $6.5 million in Q1 2026, a 21.2% increase year-over-year.
  • Net interest income, the profit from lending minus interest paid to depositors, rose to $12.9 million in Q1 2026.
  • Tangible book value per share increased to $32.51 by March 31, 2026, from $28.84 the previous year.
  • Total assets remained steady at $1.6 billion as of March 31, 2026.

The Final Word

Virginia National Bankshares has evolved from a traditional lender into a multi-service financial firm with strong wealth and trust divisions. Its focus on credit quality and diversified income streams supports its long-term stability in the Virginia market.

AI Generated • May 19, 2026

Industry

Banks

Sector

Financials

Employees

144

CEO

Glenn W. Rust

Website

ir.vnb.com

Headquarters

Charlottesville, VA 22911, US

VABK Financials

Key Financial Metrics (TTM)

Gross Margin

69.91%

Operating Margin

30.41%

Net Income Margin

24.15%

Return on Equity

11.15%

Return on Capital

11.26%

Return on Assets

1.22%

Earnings Yield

8.16%

Dividend Yield

3.18%

Payout Ratio

38.80%

Stock Overview

Market Cap

$245.42MMarket 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

5.42M

Volume

1.54K

Avg. Volume

7.37K

Financials (TTM)

Gross Profit

$57.98M

Operating Income

$25.22M

EBITDA

$26.90M

Operating Cash Flow

$26.49M

Capital Expenditure

-$312.00K

Free Cash Flow

$26.17M

Cash & ST Invst.

$22.62M

Total Debt

$29.40M

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
Q22025-06-30-1.5%
Q32025-09-301.8%
Q42025-12-312.3%
Q12026-03-31-4.4%
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
Q22025-06-30-6.0%
Q32025-09-307.7%
Q42025-12-3131.0%
Q12026-03-31-11.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$20.37M

-1.9%

Gross Profit

$14.73M

+3.6%

Gross Margin

72.33%

N/A

Market Cap

$245.42MMarket 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

$1.75M

N/A

Employees

140

N/A

Net Income

$5.26M

+17.2%

EBITDA

$7.33M

+13.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$22.62M

-42.2%

Total Debt

$29.40M

+3.0%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$29.40M

+3.0%

Short Term Debt

$0.00

N/A

Return on Assets

1.22%

N/A

Return on Invested Capital

11.39%

N/A

Free Cash Flow

$7.04M

+283.9%

Operating Cash Flow

$7.24M

+246.3%

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Questions About VABK

What is the current price of Virginia National Bankshares?

Virginia National Bankshares is trading at $44.14 per share.

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

Over the past 52 weeks, Virginia National Bankshares has traded between $36.60 and $48.76.

How much debt does Virginia National Bankshares have?

As of the most recent reporting period, Virginia National Bankshares reported total debt of $29.40M.

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 3.18%.

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