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.

Financial snapshot

Revenue (ttm): 63.4M
Net income (ttm): 24.8M
EPS (ttm): $4.56
P/E (trailing): 10.7x
Market cap: 265M

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%	強い買い
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	強い買い
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	ホールド

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E10.7

P25 n/aP50 n/aP75 n/a

ROE13.6

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All VABK indicators

Market & fundamental data

Available fields

245

Groups with data

Currency

USD

Showing 245 of 245 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

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

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

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

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-1.3B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

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%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

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%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

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

Deeper analysis on VABK

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this VABK report

Is a complete VABK research report available?

No complete published report is available for Virginia National Bankshares Corporation (VABK) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

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