Virginia National Bankshares Corp
Data quality: 83%
VABK
NASDAQ
Financial Services
Depository Institutions
$41.00
▼
$0.10
(-0.24%)
6 months return
—
Momentum
Neutral
1Y earnings growth
13.53%
Growth
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)13.53%
FCF Growth (3Y)27.66%
Quality
Return on Equity
11.07%
Above sector avg (9.22%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Safety
Debt / Equity
0.17
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A
Valuation
PE (TTM)
11.10
Below sector avg (11.13)
P/B Ratio1.21
EV/EBITDAN/A
Dividend Yield3.65%
Quick Summary
Key Takeaways
Short bullets derived from reported financials—not the AI summary above.
ROE of 11.07% — decent returns on equity
Debt/Equity of 0.17 — conservative balance sheet
Generating 20.75 M in free cash flow
P/E of 11.10 — trading at a low valuation
PEG of 0.63 suggests growth is underpriced
Cash machine — converts 107.74% of earnings into free cash flow
Price History
Financial Trends
Analyst Price Target
No analyst coverage available
Growth
Rev 5Y: N/A · Earnings 1Y: 13.53%
Growth
Rev 5Y: N/A · Earnings 1Y: 13.53%| Revenue Growth (1Y) | N/A | Revenue Growth (3Y) | N/A |
| Earnings Growth (1Y) | 13.53% | Earnings Growth (3Y) | -0.01% |
| Revenue Growth (5Y) | N/A | Earnings Growth (5Y) | 17.60% |
Profitability
ROE: 11.07% · Net Margin: N/A
Profitability
ROE: 11.07% · Net Margin: N/A| Revenue (TTM) | N/A | Net Income (TTM) | 19.26 M |
| ROE | 11.07% | ROA | 1.19% |
| Gross Margin | N/A | Operating Margin | N/A |
| Net Margin | N/A | Free Cash Flow (TTM) | 20.75 M |
| ROIC | N/A | FCF Growth (3Y) | 27.66% |
Safety
D/E: 0.17 · Current: N/A
Safety
D/E: 0.17 · Current: N/A| Debt / Equity | 0.17 | Current Ratio | N/A |
| Interest Coverage | N/A | Asset Turnover | N/A |
| Working Capital | N/A | Tangible Book Value | 169.59 M |
Dividends
Yield: 3.65% · Payout: 40.56%
Dividends
Yield: 3.65% · Payout: 40.56%| Dividend Yield | 3.65% | Payout Ratio | 40.56% |
| Dividend Growth (3Y) | 5.52% | Dividend Growth (5Y) | 3.28% |
| Consecutive Div Years | 13 yrs | ||
Valuation
P/E: 11.10 · EV/EBITDA: N/A
Valuation
P/E: 11.10 · EV/EBITDA: N/A| P/E Ratio | 11.10 | Forward P/E | N/A |
| P/B Ratio | 1.21 | P/S Ratio | N/A |
| PEG Ratio | 0.63 | Forward PEG | N/A |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 9.70% | ||
| Market Cap | 213.85 M | Enterprise Value | 243.85 M |
Per Share
EPS: 3.55 · FCF/Share: 3.83
Per Share
EPS: 3.55 · FCF/Share: 3.83| EPS (Diluted TTM) | 3.55 | Revenue / Share | N/A |
| FCF / Share | 3.83 | OCF / Share | 3.93 |
| EPS CAGR (1Y) | 12.70% | EPS CAGR (5Y) | 13.49% |
| EPS CAGR (10Y) | 4.40% | ||
Efficiency
FCF Conv: 107.74% · CapEx/Rev: N/A
Efficiency
FCF Conv: 107.74% · CapEx/Rev: N/A| CapEx / Revenue | N/A | FCF Conversion | 107.74% |
| SBC-Adj. FCF | N/A | Growth Momentum | N/A |
Income Statement
Annual, most recent first
Income Statement
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Net Income | 19.26 M | 16.97 M | 19.26 M | 23.44 M | 10.07 M |
| EPS (Diluted) | 3.55 | 3.15 | 3.58 | 4.38 | 2.14 |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| R&D Expenses | — | — | — | — | — |
| SG&A Expenses | — | — | — | — | — |
| D&A | 1.30 M | 1.50 M | 1.50 M | 1.60 M | 2.90 M |
| Interest Expense | 51.51 M | 46.38 M | 21.02 M | 3.18 M | 3.28 M |
| Income Tax | 4.82 M | 3.93 M | 4.01 M | 5.11 M | 1.85 M |
Balance Sheet
Annual, most recent first
Balance Sheet
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1.65 B | 1.62 B | 1.65 B | 1.62 B | 1.97 B |
| Total Liabilities | 1.47 B | 1.46 B | 1.49 B | 1.49 B | 1.81 B |
| Shareholders' Equity | 184.16 M | 160.30 M | 153.04 M | 133.42 M | 161.99 M |
| Total Debt | 20.00 M | 20.00 M | 66.50 M | — | — |
| Cash & Equivalents | — | — | — | — | — |
| Current Assets | — | — | — | — | — |
| Current Liabilities | — | — | — | — | — |
Peer Comparison
vs Financial Services sector median (6628 peers)
Compared with similar companies in Financial Services
Peer Comparison
vs Financial Services sector median (6628 peers) Compared with similar companies in Financial Services| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 11.1 | 11.1 |
| P/B | 1.2 | 1.2 |
| ROE % | 11.1 | 9.2 |
| Net Margin % | — | 9.4 |
| Rev Growth 5Y % | — | 5.8 |
| D/E | 0.2 | 0.5 |
Dividend History
Dividend History
Yield
3.65%
Payout ratio
40.56%
Growth (3Y)
5.52%
Growth (5Y)
3.28%
Recent per-share payments (most recent first).
| Ex-dividend | Payment | Amount / share |
|---|---|---|
| Feb 13, 2026 | — | $0.36 |
| Nov 14, 2025 | — | $0.36 |
| Aug 15, 2025 | — | $0.36 |
| May 15, 2025 | — | $0.36 |
| Mar 14, 2025 | — | $0.33 |
| Dec 06, 2024 | — | $0.33 |
| Sep 06, 2024 | — | $0.33 |
| Jun 14, 2024 | — | $0.33 |
| Mar 13, 2024 | — | $0.33 |
| Dec 07, 2023 | — | $0.33 |
| Sep 07, 2023 | — | $0.33 |
| Jun 08, 2023 | — | $0.33 |
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