Virginia National Bankshares Corp
Virginia National Bankshares Corp
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 36 | 9 | 6 | 6 | 6 | 17 | 5 | 10 | 9 | 7 | 18 | 7 | |||||
Interest Bearing Deposits In Banks | 10 | 11 | 11 | 9 | 10 | 10 | 12 | 9 | 9 | 11 | 10 | 10 | |||||
Federal Funds Sold | 32 | 58 | 54 | 8 | 23 | 3 | 0 | - | - | 28 | - | 1 | |||||
Marketable Securities | |||||||||||||||||
Available For Sale Securities Debt Securities | 235 | 240 | 248 | 253 | 255 | 263 | 264 | 279 | 285 | 342 | 421 | 391 | |||||
Restricted Investments | 6 | 6 | 6 | 7 | 8 | 6 | 6 | 8 | 7 | 6 | 8 | 7 | |||||
Marketable Securities | 241 | 247 | 254 | 260 | 263 | 269 | 270 | 287 | 291 | 348 | 429 | 398 | |||||
Loans And Leases Receivable Net Of Deferred Income | - | - | - | - | - | - | - | - | - | 1,128 | - | 1,021 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | -8 | -8 | -8 | |||||
Notes Receivable Gross | 1,234 | 1,238 | 1,238 | 1,235 | 1,242 | 1,242 | 1,236 | 1,216 | 1,158 | - | 1,093 | - | |||||
Loans And Leases Receivable Gross Carrying Amount | - | - | - | - | - | - | - | - | - | - | 1,093 | - | |||||
Financing Receivable Allowance For Credit Losses | - | -8 | -8 | -9 | -8 | -8 | -8 | -9 | -8 | - | -8 | - | |||||
Notes Receivable Net | 1,226 | 1,230 | 1,229 | 1,226 | 1,233 | 1,234 | 1,228 | 1,207 | 1,150 | 1,120 | 1,084 | 1,013 | |||||
Property Plant And Equipment Net | 12 | 12 | 12 | 12 | 12 | 12 | 15 | 16 | 16 | 16 | 16 | 16 | |||||
Bank Owned Life Insurance | 42 | 42 | 41 | 41 | 41 | 40 | 40 | 40 | 39 | 39 | 39 | 39 | |||||
Goodwill | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | |||||
Operating Lease Right Of Use Asset | 6 | 6 | 6 | 7 | 7 | 5 | 6 | 6 | 6 | 7 | 7 | 7 | |||||
Deferred Tax Assets Gross | 12 | 12 | 12 | 13 | 14 | 14 | 15 | 14 | 16 | 16 | 15 | 20 | |||||
Other Assets | 13 | 13 | 14 | 14 | 15 | 17 | 15 | 15 | 25 | 16 | 14 | 39 | |||||
Assets | 1,638 | 1,648 | 1,650 | 1,606 | 1,635 | 1,634 | 1,617 | 1,615 | 1,574 | 1,619 | 1,646 | 1,563 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Deposits | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 367 | 355 | 362 | 362 | 385 | 379 | 374 | 360 | 358 | 382 | 373 | 399 | |||||
Interest Bearing Deposit Liabilities | 279 | 279 | 308 | 260 | 266 | 284 | 303 | 258 | 257 | 285 | 306 | 287 | |||||
Deposits Money Market Deposits | 482 | 505 | 470 | 460 | 457 | 473 | 438 | 432 | 423 | 415 | 412 | 406 | |||||
Time Deposits | 281 | 286 | 291 | 303 | 281 | 298 | 308 | 330 | 335 | 350 | 319 | 277 | |||||
Deposits | 1,409 | 1,427 | 1,432 | 1,385 | 1,389 | 1,434 | 1,424 | 1,380 | 1,374 | 1,432 | 1,409 | 1,370 | |||||
Federal Funds Purchased | - | - | 0 | 0 | 0 | 0 | 0 | 3 | 2 | - | 3 | - | |||||
Short Term Borrowings | 20 | 20 | 20 | 30 | 61 | 20 | 20 | 53 | 30 | 20 | 67 | 43 | |||||
Junior Subordinated Notes | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 3 | |||||
Operating Lease Liability Noncurrent | 5 | 6 | 6 | 7 | 7 | 5 | 5 | 6 | 6 | 6 | 7 | 7 | |||||
Accounts Payable And Accrued Liabilities Current A… | 5 | 6 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 5 | 4 | 3 | |||||
Liabilities | 1,444 | 1,462 | 1,466 | 1,429 | 1,464 | 1,467 | 1,457 | 1,449 | 1,420 | 1,467 | 1,493 | 1,427 | |||||
Stockholders Equity | |||||||||||||||||
Common Stock Value | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | |||||
Additional Paid In Capital | 108 | 108 | 107 | 107 | 107 | 107 | 106 | 106 | 106 | 106 | 106 | 106 | |||||
Retained Earnings Accumulated Deficit | 105 | 97 | 94 | 90 | 88 | 85 | 83 | 81 | 78 | 76 | 74 | 72 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -31 | -32 | -31 | -33 | -37 | -38 | -42 | -34 | -43 | -43 | -40 | -56 | |||||
Stockholders Equity | 195 | 186 | 184 | 177 | 171 | 167 | 160 | 166 | 154 | 153 | 153 | 136 | |||||
Liabilities And Stockholders Equity | 1,638 | 1,648 | 1,650 | 1,606 | 1,635 | 1,634 | 1,617 | 1,615 | 1,574 | 1,619 | 1,646 | 1,563 | |||||
Shares Outstanding | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Common Stock Shares Authorized | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Authorized | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Preferred Stock Par Or Stated Value Per Share | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | |||||
Common Stock Par Or Stated Value Per Share | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.28% | 4.79% | 8.57% | - | - | - | - | - | - | - | - | - |
| 2025 | 2.40% | 0.40% | 2.81% | 7.43% | 1.31% | 5.92% | 2.10% | -0.45% | 2.66% | 8.45% | 8.66% | 17.97% |
| 2024 | -5.11% | -1.34% | 19.37% | 13.01% | 17.52% | 12.36% | -4.02% | -9.12% | -14.69% | -5.28% | 5.17% | 1.09% |
| 2023 | - | - | - | - | - | - | 19.49% | 13.74% | 1.46% | -19.44% | 4.68% | 0.76% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.41 | -0.52 | -0.53 | -0.56 | -0.55 | -0.16 | 0.30 | 0.85 | 1.65 | 1.80 | 2.11 | 2.93 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | 5,229.05 | - | 5,253.15 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | 0.07 | - | 0.07 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 4.55 | 3.68 | - | 3.29 | 3.30 | 3.30 | - | 2.89 | 2.90 | 3.18 | - | 4.29 | |||||
| Free Cash Flow Per Share TTM | 4.15 | 4.77 | 3.82 | 3.27 | 4.97 | 2.46 | 2.71 | 2.66 | -0.10 | 1.70 | 2.37 | 2.80 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 68.50% | 67.59% | 66.68% | 65.53% | 64.22% | 62.50% | 61.08% | 49.94% | 50.18% | 53.90% | 59.13% | 78.60% | |||||
| Operating Profit Margin TTM | 40.12% | 32.71% | 31.18% | 29.06% | 29.03% | 28.77% | 27.53% | 25.23% | 25.76% | 28.42% | 33.25% | 41.26% | |||||
| Net Profit Margin TTM | 32.01% | 25.97% | 24.93% | 23.23% | 23.28% | 23.32% | 22.35% | 20.85% | 21.55% | 23.72% | 27.52% | 33.95% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 0.82% | 0.97% | 1.74% | 2.96% | 5.98% | 5.81% | 8.48% | 9.55% | 9.99% | 18.80% | 23.37% | 26.76% | |||||
| Net Income Growth (1Y) | 38.65% | 12.48% | 13.53% | 14.71% | 14.48% | 4.04% | -11.92% | -32.74% | -35.62% | -29.57% | -17.81% | 6.88% | |||||
| EPS Growth (1Y) | 37.84% | 11.84% | 13.06% | 14.26% | 14.16% | 3.80% | -12.01% | -32.80% | -35.85% | -29.95% | -18.25% | 6.09% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 9.63 | 10.15 | 10.88 | 11.32 | 10.68 | 10.34 | 11.37 | 13.40 | 10.44 | 8.63 | 8.66 | 6.31 | |||||
| P/B TTM | 1.23 | 1.09 | 1.14 | 1.14 | 1.12 | 1.10 | 1.20 | 1.26 | 1.06 | 0.97 | 1.09 | 1.08 | |||||
| P/S TTM | 3.08 | 2.64 | 2.71 | 2.63 | 2.49 | 2.41 | 2.54 | 2.79 | 2.25 | 2.05 | 2.38 | 2.14 | |||||
| Market Cap | 238.85M | 203.33M | 209.59M | 202.26M | 191.09M | 184.13M | 192.86M | 208.64M | 163.12M | 147.79M | 166.89M | 146.04M | |||||
| Enterprise Value | 226.73M | 218.40M | 227.35M | 229.63M | 249.62M | 191.08M | 211.06M | 254.45M | 187.82M | 164.10M | 218.78M | 185.07M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 22.52M | 25.82M | 20.62M | 17.63M | 26.78M | 13.25M | 14.56M | 14.29M | -561.00K | 9.10M | 12.73M | 15.03M | |||||
| Net Debt | -12.13M | 15.07M | 17.76M | 27.38M | 58.53M | 6.94M | 18.20M | 45.81M | 24.70M | 16.31M | 51.89M | 39.03M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
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| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
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Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
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| Altman E | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| PEG Ratio | |||||||||||||||||
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| EV EBITDA TTM | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
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| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
Virginia National Bankshares Corp (VABK) — SEC Financial Statements & Analysis
Virginia National Bankshares Corp (VABK) is a national commercial banks company, incorporated in VA. Virginia National Bankshares Corp trades on Nasdaq as: VABK. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Virginia National Bankshares Corp reported a 0.82% year-over-year revenue growth, a Gross Profit Margin of 68.50% (TTM), a Price-to-Sales (P/S) ratio of 3.08x (TTM), a Price-to-Book (P/B) ratio of 1.23x (TTM), at a market cap of $238.85M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 0.82%
- Gross Profit Margin TTM
- 68.50%
- P/S TTM
- 3.08x
- P/B TTM
- 1.23x
- Market Cap
- $238.85M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Virginia National Bankshares Corp in?
Virginia National Bankshares Corp (VABK) operates in the National Commercial Banks industry.
What is VABK's market cap?
Virginia National Bankshares Corp (VABK) has a market capitalization of $238.85M as of 2026-06-30.
What is VABK's P/E ratio?
Virginia National Bankshares Corp (VABK)'s trailing twelve month P/E ratio is 9.63x as of 2026-06-30.
What exchange does VABK trade on?
Virginia National Bankshares Corp (VABK) trades on the Nasdaq.
Where is Virginia National Bankshares Corp incorporated?
Virginia National Bankshares Corp is incorporated in VA.