Virginia National Bankshares Corporation (VABK) AI Stock Analysis

Virginia National Bankshares Corporation is the holding company for Virginia National Bank, established in 1998 and headquartered in Charlottesville, Virginia. The company operates through four segments: Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. Its Bank segment provides commercial banking products, including checking accounts, money market deposits, certificates of deposit, and various loan types such as commercial, real estate, and consumer loans. Sturman Wealth Advisors offers wealth management and investment advisory services, VNB Trust and Estate Services provides trust, estate, and IRA administration, and Masonry Capital focuses on investment management. The company operates sixteen full-service banking facilities across Charlottesville, Manassas, Richmond, and Winchester.

Annual revenue grew from $58.7M in FY2021 to $70.0M in FY2022, $79.1M in FY2023, $82.6M in FY2024, and $83.3M in FY2025, representing a 5-year revenue CAGR of 19.8% from FY2020 to FY2025. Annual net income moved from $10.1M in FY2021 to $23.4M in FY2022, before reaching $19.3M in FY2025 with a net margin of 23.1%. For the latest quarter ended June 30, 2026, quarterly revenue increased 38.6% year-over-year and quarterly earnings grew 111.5% year-over-year. Over the trailing twelve months, revenue totaled $63.4M, with a profit margin of 39.1% and an operating margin of 59.9%.

As of June 30, 2026, Virginia National Bankshares Corporation held $35.7M in cash and short-term investments against $29.1M in total debt, resulting in net cash of $6.7M. Total assets were $1.64B, shareholders' equity stood at $194.7M, and the debt-to-equity ratio was 0.15, alongside a current ratio of 0.02. In FY2025, the company produced $21.3M in operating cash flow and $20.8M in free cash flow. Capital expenditures were $582,000, while dividends paid totaled $7.6M.

At a last close of $50.85, VABK traded at a trailing P/E of 11.2x, below the median of 12.1x for its US-listed Financial Services peers. Its price-to-sales multiple was 4.3x compared to the peer median of 3.2x, and its price-to-book ratio stood at 1.3x. The company had a market capitalization of $275.9M and an enterprise value of $227.6M. Over the past year, the stock gained 38.2%, outperforming the S&P 500 (SPY) return of 16.8%, while its 5-year return of 75.4% lagged the S&P 500 return of 83.0%.

The company pays a quarterly dividend with an annualized forward rate of $1.44 per share, delivering a dividend yield of 2.88% as of October 16, 2026. The dividend payout ratio is 31.6%, supported by 14 consecutive years of dividend payments. Over the past five years, the dividend grew at an annualized rate of 3.3%, with the most recent ex-dividend date occurring on August 14, 2026.

Analyst rating counts and consensus price targets are not available for Virginia National Bankshares Corporation. The company reported trailing twelve-month diluted EPS of $4.56 as of June 30, 2026, compared to FY2025 EPS of $3.55. Its next earnings release is scheduled for October 22, 2026. Institutional investors hold 51.5% of the shares, insiders hold 12.7%, and short interest is 1.1% of the float.

This page is an AI-written research summary of Virginia National Bankshares Corporation (VABK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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