
Virginia National Bankshares Corporation
VABKNASDAQFinancial ServicesBanks - Regional
Previous close
$46.68
+$0.20 · +0.43%
VABK company overview
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GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
72
Undervalued
Momentum
51
Neutral
Sentiment
62
Bullish
Risk resilience
69
Moderate Risk
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Company profile
Company websiteVirginia National Bankshares Corporation operates as the parent entity for Virginia National Bank, delivering a comprehensive suite of commercial banking solutions. Its operations are structured into four distinct divisions: the primary banking segment, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. The institution provides a diverse range of deposit products, including checking accounts, demand deposits, NOW accounts, money market savings, time deposits, certificates of deposit (CDs), and individual retirement accounts (IRAs), among other related savings options. Furthermore, it extends various lending services, such as financing for commercial and industrial ventures, real estate loans for construction and land development, commercial property loans, mortgages for 1-4 family homes, and consumer credit offerings like student loans, revolving lines of credit, and installment loans. Ancillary services include access to automated teller machines (ATMs), online banking platforms, treasury management solutions, cash handling services, and merchant and debit card processing. The company also delivers wealth management, investment advisory, brokerage, insurance, and consulting services. Its specialized offerings extend to investment management, acting as a corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custodial services. Its clientele encompasses private individuals, businesses, and non-profit organizations. As of December 31, 2021, the corporation maintained a network of sixteen full-service banking branches situated in the cities of Charlottesville, Manassas, Richmond, and Winchester, alongside locations in the counties of Albemarle, Fauquier, and Prince William. Established in 1998, Virginia National Bankshares Corporation's main office is located in Charlottesville, Virginia.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Glenn W. Rust
- Listed since
- May 4, 1999
- Employees
- 144
Market position
Day range
Current $46.68
52-week range
Current $46.68
- Open
- $46.57
- Previous close
- $46.48
- Volume
- 6.92K
- 0.97× average
- Average volume
- 7.14K
- Average daily volume
- Market cap
- 253.12M USD
- Beta
- 0.46
- Market reference 1
- 50-day average
- $45.6014
- +2.37% above average
- 200-day average
- $41.9224
- +11.35% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 238.7M USD
- P/E (TTM)
- 10.19×
- P/B (TTM)
- 1.3×
- P/S (TTM)
- 2.88×
- EV / EBITDA
- 8.5×
- Earnings yield
- 8.97%
- Free cash flow yield
- 9.66%
- Dividend yield
- 3.08%
Profitability & efficiency
- Gross margin
- 72.06%
- Operating margin
- 35.31%
- Net margin
- 28.18%
- Return on equity
- 10.46%
- Return on assets
- 1.17%
- Return on invested capital
- -1.39%
Financial health
- Debt / equity
- 0.15×
- Current ratio
- 0×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 83.34M USD | 82.61M USD | 79.09M USD | 69.99M USD | 58.74M USD |
| Cost of goods sold | 25.87M USD | 28.95M USD | 21.76M USD | 3.29M USD | 4.3M USD |
| Gross profit | 57.47M USD | 53.66M USD | 57.34M USD | 66.7M USD | 54.44M USD |
| Selling, general, and administrative | 1.91M USD | 17.36M USD | 17.71M USD | 19M USD | 17.91M USD |
| Operating expenses | 33.38M USD | 32.76M USD | 34.06M USD | 38.15M USD | 42.52M USD |
| Interest income | 77.25M USD | 75.5M USD | 69.62M USD | 56.45M USD | 48.1M USD |
| Interest expense | 25.74M USD | 29.55M USD | 21.02M USD | 3.18M USD | 3.28M USD |
| Depreciation and amortization | 3.99M USD | 4.26M USD | 4.77M USD | 5.09M USD | 4.4M USD |
| Operating income | 24.08M USD | 20.9M USD | 23.27M USD | 28.55M USD | 11.92M USD |
| Net income | 19.26M USD | 16.97M USD | 19.26M USD | 23.44M USD | 10.07M USD |
Company facts updated Aug 24, 2026.
Earnings
- Latest EPS result
- 1.65
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
VABK peers
ETFs holding VABK
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI6.7M0.00%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM5.73M0.01%81.62B USD0.19%$299.96+0.77%
iShares Russell 2000 Value ETFIWN2.43M0.02%14.66B USD0.24%$224.81+0.45%
Vanguard Extended Market ETFVXF2.38M0.00%93.7B USD0.05%$245.53+0.82%
Vanguard Russell 2000 ETFVTWO1.24M0.01%17.4B USD0.06%$121.25+0.74%
iShares Micro-Cap ETFIWC794.25K0.05%1.53B USD0.60%$198.39+1.10%
iShares Core S&P Total U.S. Stock Market ETFITOT685.58K0.00%97.17B USD0.03%$167.97+0.46%
Avantis U.S. Small Cap Value ETFAVUV493.57K—31.27B USD0.25%$126.45+0.66%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 6.7M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 5.73M
- Weight
- 0.01%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
iShares Russell 2000 Value ETFIWN- Market value
- 2.43M
- Weight
- 0.02%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
Vanguard Extended Market ETFVXF- Market value
- 2.38M
- Weight
- 0.00%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
Vanguard Russell 2000 ETFVTWO- Market value
- 1.24M
- Weight
- 0.01%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $121.25+0.74%
iShares Micro-Cap ETFIWC- Market value
- 794.25K
- Weight
- 0.05%
- AUM
- 1.53B USD
- Expense ratio
- 0.60%
- Price / 1D
- $198.39+1.10%
iShares Core S&P Total U.S. Stock Market ETFITOT- Market value
- 685.58K
- Weight
- 0.00%
- AUM
- 97.17B USD
- Expense ratio
- 0.03%
- Price / 1D
- $167.97+0.46%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 493.57K
- Weight
- —
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
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