Virginia National Bankshares Corporation logo

Virginia National Bankshares Corporation

VABK

NASDAQFinancial ServicesBanks - Regional

Previous close

$46.68

+$0.20 · +0.43%

Aug 21, 4:00 PM ET

VABK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

Virginia 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 / TTM

Valuation & 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

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%72%41%9%Gross margin, FY2021: 92.68%Gross margin, FY2022: 95.30%Gross margin, FY2023: 72.49%Gross margin, FY2024: 64.96%Gross margin, FY2025: 68.95%Operating margin, FY2021: 20.29%Operating margin, FY2022: 40.79%Operating margin, FY2023: 29.43%Operating margin, FY2024: 25.30%Operating margin, FY2025: 28.90%Net margin, FY2021: 17.15%Net margin, FY2022: 33.49%Net margin, FY2023: 24.36%Net margin, FY2024: 20.54%Net margin, FY2025: 23.11%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 92.68%. Gross margin FY2022 95.30%. Gross margin FY2023 72.49%. Gross margin FY2024 64.96%. Gross margin FY2025 68.95%. Operating margin FY2021 20.29%. Operating margin FY2022 40.79%. Operating margin FY2023 29.43%. Operating margin FY2024 25.30%. Operating margin FY2025 28.90%. Net margin FY2021 17.15%. Net margin FY2022 33.49%. Net margin FY2023 24.36%. Net margin FY2024 20.54%. Net margin FY2025 23.11%.

Income trends

Revenue

83.34M USD+0.88%

Operating income

24.08M USD+15.23%

Net income

19.26M USD+13.53%
Income trends across reported periods90.67M USD61.36M USD32.05M USD2.74M USDRevenue, FY2021: 58.74M USDRevenue, FY2022: 69.99M USDRevenue, FY2023: 79.09M USDRevenue, FY2024: 82.61M USDRevenue, FY2025: 83.34M USDOperating income, FY2021: 11.92M USDOperating income, FY2022: 28.55M USDOperating income, FY2023: 23.27M USDOperating income, FY2024: 20.9M USDOperating income, FY2025: 24.08M USDNet income, FY2021: 10.07M USDNet income, FY2022: 23.44M USDNet income, FY2023: 19.26M USDNet income, FY2024: 16.97M USDNet income, FY2025: 19.26M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 58.74M USD. Revenue FY2022 69.99M USD. Revenue FY2023 79.09M USD. Revenue FY2024 82.61M USD. Revenue FY2025 83.34M USD. Operating income FY2021 11.92M USD. Operating income FY2022 28.55M USD. Operating income FY2023 23.27M USD. Operating income FY2024 20.9M USD. Operating income FY2025 24.08M USD. Net income FY2021 10.07M USD. Net income FY2022 23.44M USD. Net income FY2023 19.26M USD. Net income FY2024 16.97M USD. Net income FY2025 19.26M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue83.34M USD82.61M USD79.09M USD69.99M USD58.74M USD
Cost of goods sold25.87M USD28.95M USD21.76M USD3.29M USD4.3M USD
Gross profit57.47M USD53.66M USD57.34M USD66.7M USD54.44M USD
Selling, general, and administrative1.91M USD17.36M USD17.71M USD19M USD17.91M USD
Operating expenses33.38M USD32.76M USD34.06M USD38.15M USD42.52M USD
Interest income77.25M USD75.5M USD69.62M USD56.45M USD48.1M USD
Interest expense25.74M USD29.55M USD21.02M USD3.18M USD3.28M USD
Depreciation and amortization3.99M USD4.26M USD4.77M USD5.09M USD4.4M USD
Operating income24.08M USD20.9M USD23.27M USD28.55M USD11.92M USD
Net income19.26M USD16.97M USD19.26M USD23.44M USD10.07M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
1.65

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates1.721.381.050.71Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 17, 2024: actual 0.85, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 23, 2025: actual 0.85, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 24, 2025: actual 0.83, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 24, 2025: actual 0.78, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 23, 2025: actual 0.84, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 29, 2026: actual 1.1, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 23, 2026: actual 0.97, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 23, 2026: actual 1.65, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates26.55M22.06M17.57M13.08MQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q1 '26Q2 '26Q3 '26
Q3 2024, reported Jul 19, 2024: actual 20.35M USD, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Oct 17, 2024: actual 19.41M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 23, 2025: actual 14.1M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 24, 2025: actual 20.77M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 24, 2025: actual 20.45M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 29, 2026: actual 21.3M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 23, 2026: actual 20.37M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 23, 2026: actual 25.53M USD, estimate —, surprise —, Comparison unavailable.

VABK peers

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