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Virginia National Bankshares Corporation (VABK)

NASDAQ: VABK · USD

$48.9

-0.83 (-1.7%)· Recorded snapshot

Market cap	265M
Revenue (ttm)	63.4M
Net income (ttm)	24.8M
EPS (ttm)	$4.56
Shares out	5.4M
P/E (trailing)	10.7x
Dividend	$1.44 (2.95%)
Volume	2,909
Beta	0.45

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Strong Buy
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Strong Buy
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Hold

Metric	Value
Amount currency	USD
CIK code	0001572334
Company name	Virginia National Bankshares Corporation
Country	United States
Country code	US
CUSIP number	928031103
Earnings date	2026-11-10
Earnings time	amc
Employees	148
Employees change	2
Employees growth	1.37%
Enterprise value	$216.7M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1998
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US9280311039
Last 10-K release date	2026-03-27
Last earnings date	2026-07-23
Last refreshed	2026-10-28
Last stock split date	2019-06-25
Last stock split type	Forward
Market cap	$265M
Market cap category	Micro-Cap
Next earnings date	2026-11-10
Options	No
Price	$48.85
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	VABK
U.S. state	Virginia
Website	https://www.vnb.com

Metric

Value

Amount currency

USD

CIK code

0001572334

Company name

Virginia National Bankshares Corporation

Country

United States

Country code

CUSIP number

928031103

Earnings date

2026-11-10

Earnings time

amc

Employees

148

Employees change

Employees growth

1.37%

Enterprise value

$216.7M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1998

In index

RUSSELL2000

Industry

Banks - Regional

Is primary listing

Yes

Is SPAC

ISIN number

US9280311039

Last 10-K release date

2026-03-27

Last earnings date

2026-07-23

Last refreshed

2026-10-28

Last stock split date

2019-06-25

Last stock split type

Forward

Market cap

$265M

Market cap category

Micro-Cap

Next earnings date

2026-11-10

Options

Price

$48.85

Price currency

USD

Sector

Financials

SIC code

6021

Stock price date

2026-10-28

Symbol

VABK

U.S. state

Virginia

Website

https://www.vnb.com

Metric	Value
Average P/E ratio (10Y)	12.5x
Average P/E ratio (3Y)	10.73x
Average P/E ratio (5Y)	11.42x
Earnings yield	9.34%
EV/Earnings	9x
EV/FCF	9.85x
EV/Sales	3.52x
FCF / EV yield	10.15%
FCF yield	8.34%
Graham number	60.68873
Graham upside	21.26%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$114.02
Lynch upside	127.82%
P/B ratio	1.38x
P/E ratio	10.71x
P/FCF ratio	11.98x
P/OCF ratio	11.68x
P/S ratio	4.28x
Price / tangible book value	1.47x
Sector forward P/E	13.63x
Sector P/E	15.65x

Metric

Value

Average P/E ratio (10Y)

12.5x

Average P/E ratio (3Y)

10.73x

Average P/E ratio (5Y)

11.42x

Earnings yield

9.34%

EV/Earnings

EV/FCF

9.85x

EV/Sales

3.52x

FCF / EV yield

10.15%

FCF yield

8.34%

Graham number

60.68873

Graham upside

21.26%

Industry forward P/E

9.95x

Industry P/E

11.8x

Lynch fair value

$114.02

Lynch upside

127.82%

P/B ratio

1.38x

P/E ratio

10.71x

P/FCF ratio

11.98x

P/OCF ratio

11.68x

P/S ratio

4.28x

Price / tangible book value

1.47x

Sector forward P/E

13.63x

Sector P/E

15.65x

Metric	Value
Effective tax rate	20.2%
FCF margin	35.72%
Operating margin	51.95%
Pretax margin	49%
Profit margin	39.1%
Profit per employee	$167,581
Profitable quarters	54
Profitable years	14
Revenue per employee	$428,574
ROA	1.52%
ROA (5Y)	1.08%
ROE	13.57%
ROE (5Y)	11.91%
SBC / revenue	1.59%
Tax / revenue	9.9%

Metric

Value

Effective tax rate

20.2%

FCF margin

35.72%

Operating margin

51.95%

Pretax margin

49%

Profit margin

39.1%

Profit per employee

$167,581

Profitable quarters

Profitable years

Revenue per employee

$428,574

ROA

1.52%

ROA (5Y)

1.08%

ROE

13.57%

ROE (5Y)

11.91%

SBC / revenue

1.59%

Tax / revenue

9.9%

Metric	Value
EPS growth	37.81%
EPS growth (Q)	111.54%
EPS growth (QoQ)	70.1%
EPS growth 10Y	9.72%
EPS growth 3Y	0.23%
EPS growth 5Y	20.13%
EPS growth quarters	3
EPS growth years	1
FCF growth	-15.39%
FCF growth (Q)	-49.15%
FCF growth (QoQ)	-51.5%
FCF growth 3Y	0.35%
FCF growth 5Y	23.61%
Net income growth	38.65%
Net income growth (Q)	112.55%
Net income growth (QoQ)	71.29%
Net income growth 3Y	0.72%
Net income growth 5Y	32.22%
Net income growth quarters	3
Net income growth years	1
OCF growth	-15.04%
OCF growth (Q)	-48%
OCF growth (QoQ)	-51.63%
OCF growth 10Y	15.1%
OCF growth 3Y	0.17%
OCF growth 5Y	21.49%
Revenue growth	13.24%
Revenue growth (Q)	38.61%
Revenue growth (QoQ)	32.71%
Revenue growth 10Y	10.89%
Revenue growth 3Y	-1.03%
Revenue growth 5Y	10.55%
Revenue growth quarters	7
Revenue growth years	1

Metric

Value

EPS growth

37.81%

EPS growth (Q)

111.54%

EPS growth (QoQ)

70.1%

EPS growth 10Y

9.72%

EPS growth 3Y

0.23%

EPS growth 5Y

20.13%

EPS growth quarters

EPS growth years

FCF growth

-15.39%

FCF growth (Q)

-49.15%

FCF growth (QoQ)

-51.5%

FCF growth 3Y

0.35%

FCF growth 5Y

23.61%

Net income growth

38.65%

Net income growth (Q)

112.55%

Net income growth (QoQ)

71.29%

Net income growth 3Y

0.72%

Net income growth 5Y

32.22%

Net income growth quarters

Net income growth years

OCF growth

-15.04%

OCF growth (Q)

-48%

OCF growth (QoQ)

-51.63%

OCF growth 10Y

15.1%

OCF growth 3Y

0.17%

OCF growth 5Y

21.49%

Revenue growth

13.24%

Revenue growth (Q)

38.61%

Revenue growth (QoQ)

32.71%

Revenue growth 10Y

10.89%

Revenue growth 3Y

-1.03%

Revenue growth 5Y

10.55%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-595,000
EPS	$4.56
FCF per share	$4.18
Financing cash flow	$-28.6M
Free cash flow	$22.7M
Gross profit	$63.4M
Income taxes	$6.3M
Investing cash flow	$44.2M
Net borrowing	$-41M
Net cash flow	$38.8M
Net income	$24.8M
Operating income	$33M
Revenue	$63.4M
Stock-based compensation	$1M

Metric

Value

Capital expenditures

$-595,000

EPS

$4.56

FCF per share

$4.18

Financing cash flow

$-28.6M

Free cash flow

$22.7M

Gross profit

$63.4M

Income taxes

$6.3M

Investing cash flow

$44.2M

Net borrowing

$-41M

Net cash flow

$38.8M

Net income

$24.8M

Operating income

$33M

Revenue

$63.4M

Stock-based compensation

$1M

Metric	Value
Book value per share	$35.89
Debt / equity	0.15
Debt / FCF	1.28
Goodwill	$7.8M
Net cash (debt)	$48.3M
Net cash / market cap	17.79%
Net debt / equity	-0.25
Net debt / FCF	-2.13
Piotroski F-Score	3
Property, plant and equipment	$17.1M
Shareholders' equity	$194.7M
Tangible book value	$184.7M
Tangible book value per share	$34.05
Total assets	$1.6B
Total cash	$77.3M
Total debt	$29.1M
Total liabilities	$1.4B
WACC	6.09%

Metric

Value

Book value per share

$35.89

Debt / equity

0.15

Debt / FCF

1.28

Goodwill

$7.8M

Net cash (debt)

$48.3M

Net cash / market cap

17.79%

Net debt / equity

-0.25

Net debt / FCF

-2.13

Piotroski F-Score

Property, plant and equipment

$17.1M

Shareholders' equity

$194.7M

Tangible book value

$184.7M

Tangible book value per share

$34.05

Total assets

$1.6B

Total cash

$77.3M

Total debt

$29.1M

Total liabilities

$1.4B

WACC

6.09%

Metric	Value
Working capital	$-1.3B

Metric

Value

Working capital

$-1.3B

Metric	Value
Buyback yield / dilution	-0.59%
Dividend growth	4.35%
Dividend growth (10Y)	13.19%
Dividend growth (3Y)	3.73%
Dividend growth (5Y)	3.71%
Dividend growth years	1
Dividend payment date	2026-08-28
Dividend payment years	14
Dividend payout frequency	Quarterly
Dividend per share	$1.44
Dividend yield	2.95%
Ex-dividend date	2026-08-14
FCF payout ratio	34.48%
Last dividend	$0.36
Payout ratio	31.57%
Shareholder yield	2.29%

Metric

Value

Buyback yield / dilution

-0.59%

Dividend growth

4.35%

Dividend growth (10Y)

13.19%

Dividend growth (3Y)

3.73%

Dividend growth (5Y)

3.71%

Dividend growth years

Dividend payment date

2026-08-28

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$1.44

Dividend yield

2.95%

Ex-dividend date

2026-08-14

FCF payout ratio

34.48%

Last dividend

$0.36

Payout ratio

31.57%

Shareholder yield

2.29%

Metric	Value
10Y price change	114.5%
10Y return CAGR	11.63%
10Y total return	200.34%
150-day SMA	$45.02
15Y price change	312.52%
15Y return CAGR	12.79%
15Y total return	508.58%
1D price change	-1.67%
1M price change	0.64%
1M total return	0.64%
1W price change	-1.56%
1W total return	-1.56%
1Y price change	22.83%
1Y return CAGR	27.09%
1Y total return	27.07%
20-day SMA	$49.20
200-day SMA	$43.75
20Y price change	54.56%
20Y return CAGR	4.21%
20Y total return	128.03%
3M price change	5.88%
3M total return	6.69%
3Y price change	65.61%
3Y return CAGR	22.68%
3Y total return	84.67%
50-day SMA	$48.08
50-day SMA vs 200-day SMA	50over200
52-week high	$52.69
52-week high date	2026-10-16
52-week low	$37.35
52-week low date	2026-03-09
5Y price change	37.63%
5Y return CAGR	10.56%
5Y total return	65.17%
6M price change	16.09%
6M total return	17.97%
All-time high	$52.69
All-time high date	2026-10-16
All-time low	$8.68
All-time low date	1999-02-25
Average true range (ATR)	$1.25
Average volume	10K
Beta (1Y)	0.61
Beta (2Y)	0.66
Beta (5Y)	0.45
Change from 52-week high	-7.29%
Change from 52-week low	30.79%
Change from all-time high	-7.69%
Change from all-time low	460.63%
Change from open	-2.26%
Day's gap	0.6%
Dollar volume	$142,105
High price	$50.16
Low price	$48.59
Monthly RSI	70.11
Open price	$49.98
Position in 52-week range	16.56%
Previous close	$49.68
Price vs 150-day SMA	8.05%
Price vs 20-day SMA	-1.14%
Price vs 200-day SMA	11.18%
Price vs 50-day SMA	1.16%
Relative volume	0.29
RSI	48.15
Sharpe ratio	0.87
Sharpe ratio (3Y)	0.73
Sharpe ratio (5Y)	0.32
Sortino ratio	1.55
Sortino ratio (3Y)	1.29
Sortino ratio (5Y)	0.67
Volume	2.9K
Weekly RSI	57.91
YTD price change	22.06%
YTD total return	25.15%

Metric

Value

10Y price change

114.5%

10Y return CAGR

11.63%

10Y total return

200.34%

150-day SMA

$45.02

15Y price change

312.52%

15Y return CAGR

12.79%

15Y total return

508.58%

1D price change

-1.67%

1M price change

0.64%

1M total return

0.64%

1W price change

-1.56%

1W total return

-1.56%

1Y price change

22.83%

1Y return CAGR

27.09%

1Y total return

27.07%

20-day SMA

$49.20

200-day SMA

$43.75

20Y price change

54.56%

20Y return CAGR

4.21%

20Y total return

128.03%

3M price change

5.88%

3M total return

6.69%

3Y price change

65.61%

3Y return CAGR

22.68%

3Y total return

84.67%

50-day SMA

$48.08

50-day SMA vs 200-day SMA

50over200

52-week high

$52.69

52-week high date

2026-10-16

52-week low

$37.35

52-week low date

2026-03-09

5Y price change

37.63%

5Y return CAGR

10.56%

5Y total return

65.17%

6M price change

16.09%

6M total return

17.97%

All-time high

$52.69

All-time high date

2026-10-16

All-time low

$8.68

All-time low date

1999-02-25

Average true range (ATR)

$1.25

Average volume

10K

Beta (1Y)

0.61

Beta (2Y)

0.66

Beta (5Y)

0.45

Change from 52-week high

-7.29%

Change from 52-week low

30.79%

Change from all-time high

-7.69%

Change from all-time low

460.63%

Change from open

-2.26%

Day's gap

0.6%

Dollar volume

$142,105

High price

$50.16

Low price

$48.59

Monthly RSI

70.11

Open price

$49.98

Position in 52-week range

16.56%

Previous close

$49.68

Price vs 150-day SMA

8.05%

Price vs 20-day SMA

-1.14%

Price vs 200-day SMA

11.18%

Price vs 50-day SMA

1.16%

Relative volume

0.29

RSI

48.15

Sharpe ratio

0.87

Sharpe ratio (3Y)

0.73

Sharpe ratio (5Y)

0.32

Sortino ratio

1.55

Sortino ratio (3Y)

1.29

Sortino ratio (5Y)

0.67

Volume

2.9K

Weekly RSI

57.91

YTD price change

22.06%

YTD total return

25.15%

Metric	Value
Float	4.3M
Float percentage	79.84%
Shares change (QoQ)	0.22%
Shares change (YoY)	0.59%
Shares held by insiders	14.65%
Shares held by institutions	45.85%
Shares outstanding	5.4M
Short % of float	1.17%
Short % of shares	0.94%
Short ratio	6.1 days

Metric

Value

Float

4.3M

Float percentage

79.84%

Shares change (QoQ)

0.22%

Shares change (YoY)

0.59%

Shares held by insiders

14.65%

Shares held by institutions

45.85%

Shares outstanding

5.4M

Short % of float

1.17%

Short % of shares

0.94%

Short ratio

6.1 days

Virginia National Bankshares Corporation (VABK)

Price

Financial snapshot

Fair-value bridge

Latest news · VABK

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All VABK indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on VABK

Frequently asked questions