Virginia National Bankshares Corp (VABK) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, Virginia National Bankshares reported revenue of $57.6M, up 6.7% from $54.0M the year before. Net income was $19.3M (a 33.4% net margin), or $3.55 per diluted share. Net interest income was $51.5M, and the efficiency ratio (noninterest expense / revenue) was 58.0%. Operating activities generated $21.3M of cash, leaving $20.8M of free cash flow. At fiscal year end, Virginia National Bankshares held $1.65B in total assets against $1.47B in total liabilities.
Open the full interactive Virginia National Bankshares financials → Quarterly statements, key ratios, valuation history and price charts.
Virginia National Bankshares Key Stats
| Share Price | $50.28 |
|---|---|
| Market Cap | $274.3M |
| P/E Ratio | 14.2 |
| Revenue YoY Growth | +6.7% |
| 52-Week Range | $36.80 – $50.28 |
| Shares Outstanding | 5.4 million (basic, 2026 Q2) |
Virginia National Bankshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $23.9M | $45.0M | $53.5M | $49.0M | $46.4M | $51.5M |
| Provision for Credit Losses | $1.6M | $1.0M | $106,000 | $734,000 | -$600,000 | $137,000 |
| Noninterest Income | $6.6M | $10.5M | $13.7M | $9.1M | $7.6M | $6.1M |
| Noninterest Expense | $18.8M | $42.5M | $38.6M | $34.1M | $33.7M | $33.4M |
| Revenue | $30.4M | $55.5M | $67.2M | $58.1M | $54.0M | $57.6M |
| Pre-Tax Income | $10.0M | $11.9M | $28.5M | $23.3M | $20.9M | $24.1M |
| Income Tax | $2.1M | $1.8M | $5.1M | $4.0M | $3.9M | $4.8M |
| Net Income | $8.0M | $10.1M | $23.4M | $19.3M | $17.0M | $19.3M |
| Diluted EPS | $2.94 | $2.14 | $4.38 | $3.58 | $3.15 | $3.55 |
Virginia National Bankshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $14.4M | $15.0M | $14.4M | $19.8M |
| Net Income | $4.6M | $6.0M | $5.3M | $9.0M |
| Diluted EPS | $0.84 | $1.10 | $0.97 | $1.65 |
Virginia National Bankshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $604.0M | $1.06B | $930.9M | $1.08B | — | — |
| Total Assets | $848.4M | $1.97B | $1.62B | $1.65B | $1.62B | $1.65B |
| Deposits | $730.8M | $1.80B | $1.48B | $1.41B | $1.42B | $1.43B |
| Total Long-Term Debt | $30.0M | $3.4M | $3.4M | $70.0M | $20.2M | $20.0M |
| Total Liabilities | $765.8M | $1.81B | $1.49B | $1.49B | $1.46B | $1.47B |
| Shareholders' Equity | $82.6M | $162.0M | $133.4M | $153.0M | $160.3M | $184.2M |
Virginia National Bankshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $9.3M | $13.1M | $22.7M | $13.9M | $15.3M | $21.3M |
| Cash From Investing | -$129.9M | $262.2M | -$167.2M | -$19.8M | $15.8M | $31.8M |
| Cash From Financing | $136.3M | $198.9M | -$324.2M | -$5.9M | -$42.3M | $381,000 |
| Free Cash Flow | $9.1M | $11.8M | $22.1M | $12.7M | $14.6M | $20.8M |
Figures from Virginia National Bankshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Virginia National Bankshares financials page for every line item.
Virginia National Bankshares Company Profile
| Ticker | VABK |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Charlottesville, Virginia |
| Incorporated in | Virginia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001572334 |
Frequently Asked Questions
What was Virginia National Bankshares' revenue in fiscal 2025?
Virginia National Bankshares (VABK) reported revenue of $57.6M for fiscal 2025.
What is Virginia National Bankshares' annual revenue history?
Virginia National Bankshares' annual revenue by fiscal year: 2020: $30.4M; 2021: $55.5M; 2022: $67.2M; 2023: $58.1M; 2024: $54.0M; 2025: $57.6M.
What was Virginia National Bankshares' net income in fiscal 2025?
Virginia National Bankshares reported net income of $19.3M for fiscal 2025.
What was Virginia National Bankshares' earnings per share (EPS) in fiscal 2025?
Virginia National Bankshares' diluted EPS was $3.55 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Virginia National Bankshares generate in fiscal 2025?
Virginia National Bankshares generated $20.8M of free cash flow in fiscal 2025.
What was Virginia National Bankshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), Virginia National Bankshares reported revenue of $19.8M.
How much debt does Virginia National Bankshares have?
Virginia National Bankshares reported $20.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Virginia National Bankshares are outstanding?
Virginia National Bankshares reported a weighted average of 5.4 million basic shares outstanding in 2026 Q2.
What is Virginia National Bankshares' market cap?
Based on its latest closing price, Virginia National Bankshares (VABK) has a market capitalization of about $274.3M.
When does Virginia National Bankshares' fiscal year end?
Virginia National Bankshares' fiscal year end, as registered with the SEC, is December 31.
Where is Virginia National Bankshares headquartered?
Virginia National Bankshares lists its business address in Charlottesville, Virginia in its SEC filings.