VABK · Virginia National Bankshares Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.30M | $1.50M | $1.50M | $1.60M | $2.90M | $1.90M |
| Operating Income | $24.08M | $20.90M | $23.27M | $28.55M | $11.92M | $10.04M |
| Interest Expense | - | - | $21.02M | $3.18M | $3.28M | $3.35M |
| Income Tax | $4.82M | $3.93M | $4.01M | $5.11M | $1.85M | $2.06M |
| Net Income | $19.26M | $16.97M | $19.26M | $23.44M | $10.07M | $7.98M |
| EPS - Basic | $3.57 | $3.16 | $3.60 | $4.40 | $2.16 | $2.94 |
| EPS - Diluted | $3.55 | $3.15 | $3.58 | $4.38 | $2.14 | $2.94 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.65B | $1.62B | $1.65B | $1.62B | $1.97B | $848.41M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $1.47B | $1.46B | $1.49B | $1.49B | $1.81B | $765.81M |
| Stockholders' Equity | $184.16M | $160.30M | $153.04M | $133.42M | $161.99M | $82.60M |
| Retained Earnings | $94.17M | $82.51M | $73.78M | $63.48M | $46.44M | $41.96M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $21.33M | $15.29M | $13.90M | $22.68M | $13.06M | $9.25M |
| Investing Cash Flow | $31.80M | $15.75M | ($19.77M) | ($167.20M) | $262.19M | ($129.95M) |
| Financing Cash Flow | $381.0K | ($42.33M) | ($5.88M) | ($324.19M) | $198.89M | $136.31M |
| CapEx | $582.0K | $733.0K | $1.17M | $546.0K | $1.29M | $199.0K |
| Free Cash Flow | $20.75M | $14.56M | $12.73M | $22.14M | $11.77M | $9.05M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.08 | 0.86 | 0.66 | 0.94 | 1.17 | 1.13 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.0% | 18.8% | 17.2% | 17.9% | 15.5% | 20.6% |
| Return on assets | 1.2% | 1.0% | 1.2% | 1.4% | 0.5% | 0.9% |
| Return on equity | 10.5% | 10.6% | 12.6% | 17.6% | 6.2% | 9.7% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 1.1x | 9.0x | 3.6x | 3.0x |
| Equity multiplier | 8.96 | 10.09 | 10.76 | 12.17 | 12.17 | 10.27 |
| Liabilities / Assets | 0.89 | 0.90 | 0.91 | 0.92 | 0.92 | 0.90 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 11.2x | 12.1x | 9.6x | 8.4x | 17.7x | 9.2x |
| P / B | 1.2x | 1.3x | 1.2x | 1.5x | 1.1x | 0.9x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 8.5x | 9.2x | 7.5x | 6.5x | 12.0x | 6.2x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 15.2% | -10.2% | -18.5% | 139.5% | 18.7% | 22.2% |
| Net income growth (YoY) | 13.5% | -11.9% | -17.8% | 132.7% | 26.2% | 19.3% |
| EPS growth (YoY) | 12.7% | -12.0% | -18.3% | 104.7% | -27.2% | 18.1% |
| EPS CAGR (3y) | -6.8% | 13.8% | 6.8% | 20.7% | -13.5% | 2.8% |
| EPS CAGR (5y) | 3.8% | 4.8% | 1.6% | 10.1% | -2.3% | 19.0% |
| FCF growth (YoY) | 42.6% | 14.3% | -42.5% | 88.1% | 30.0% | -1.1% |
| FCF CAGR (5y) | 18.0% | 9.7% | 3.1% | 35.6% | 20.1% | 11.8% |
| Book value growth (YoY) | 14.9% | 4.7% | 14.7% | -17.6% | 96.1% | 8.5% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: National Commercial Banks
Comparing Virginia National Bankshares Corp against the 5 most active filers in the same SIC group.
Dividends
$1.44/share trailing 12 months · -14.3% YoY
| Ex-date | Per share |
|---|---|
| May 13, 2026 | $0.3600 |
| Feb 13, 2026 | $0.3600 |
| Nov 14, 2025 | $0.3600 |
| Aug 15, 2025 | $0.3600 |
| May 15, 2025 | $0.3600 |
| Mar 14, 2025 | $0.3300 |
| Dec 6, 2024 | $0.3300 |
| Sep 6, 2024 | $0.3300 |
| Jun 14, 2024 | $0.3300 |
| Mar 13, 2024 | $0.3300 |
| Dec 7, 2023 | $0.3300 |
| Sep 7, 2023 | $0.3300 |
| Jun 8, 2023 | $0.3300 |
| Mar 9, 2023 | $0.3300 |
| Dec 19, 2022 | $0.3000 |
| Sep 8, 2022 | $0.3000 |
| Jun 9, 2022 | $0.3000 |
| Mar 10, 2022 | $0.3000 |
| Dec 17, 2021 | $0.3000 |
| Sep 9, 2021 | $0.3000 |
| Jun 10, 2021 | $0.3000 |
| Mar 11, 2021 | $0.3000 |
| Dec 21, 2020 | $0.3000 |
| Oct 6, 2020 | $0.3000 |