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Financials · VABK

Virginia National Bankshares Corporation (VABK) financials

For the twelve months ended Jun 30, 2026, Virginia National Bankshares Corporation reported $63.62M of revenue and $24.80M of net income.

Revenue, TTM
$63.62M
Revenue growth, YoY
+13.3%
Net income, TTM
$24.80M
Net income growth, YoY
+38.6%
Net margin
39.0%
Free cash flow, TTM
$22.52M
EPS, diluted, TTM
$4.56
EPS growth, YoY
+37.8%
P/E
11.67
P/S
4.55
Market cap
$289.5M
Annual revenue$57.60M
FY2016FY2025
Annual net income$19.26M
FY2016FY2025
Annual free cash flow$20.75M
FY2016FY2025

VABK revenue and earnings growth

VABK revenueQ2 2026$19.78M

Quarter YoY
+40.2%
QoQ
+37.4%
FY YoY
+6.7%
5Y CAGR
+13.6%
10Y CAGR
+10.5%

VABK revenue was $19.78M in fiscal Q2 2026 (ended Jun 30, 2026), up 40.2% from a year earlier and up 37.4% from the prior quarter. For the full fiscal 2025 it was $57.60M, up 6.7% from fiscal 2024. Compound annual growth was +13.6% over 5 years and +10.5% over 10 years. It rose in 7 of the last 10 fiscal years.

VABK net incomeQ2 2026$9.01M

Quarter YoY
+112.6%
QoQ
+71.3%
FY YoY
+13.5%
5Y CAGR
+19.3%
10Y CAGR
+20.0%

VABK net income was $9.01M in fiscal Q2 2026 (ended Jun 30, 2026), up 112.6% from a year earlier and up 71.3% from the prior quarter. For the full fiscal 2025 it was $19.26M, up 13.5% from fiscal 2024. Compound annual growth was +19.3% over 5 years and +20.0% over 10 years. It rose in 7 of the last 10 fiscal years.

VABK EPSQ2 2026$1.65

Quarter YoY
+111.5%
QoQ
+70.1%
FY YoY
+12.7%

VABK diluted EPS was $1.65 in fiscal Q2 2026 (ended Jun 30, 2026), up 111.5% from a year earlier and up 70.1% from the prior quarter. For the full fiscal 2025 it was $3.55, up 12.7% from fiscal 2024.

VABK free cash flowQ2 2026$3.41M

Quarter YoY
-49.2%
QoQ
-51.5%
FY YoY
+42.6%
5Y CAGR
+18.0%
10Y CAGR
+14.9%

VABK free cash flow was $3.41M in fiscal Q2 2026 (ended Jun 30, 2026), down 49.2% from a year earlier and down 51.5% from the prior quarter. For the full fiscal 2025 it was $20.75M, up 42.6% from fiscal 2024. Compound annual growth was +18.0% over 5 years and +14.9% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$57.60M$53.97M$58.07M$67.21M$55.45M$30.44M$27.48M$28.43M$27.26M$23.76M
Interest expense--$21.02M$3.18M$3.28M$3.35M$4.27M$2.79M$1.23M$937.0K
Pre-tax income$24.08M$20.90M$23.27M$28.55M$11.92M$10.04M$8.22M$10.54M$10.96M$8.35M
Income tax$4.82M$3.93M$4.01M$5.11M$1.85M$2.06M$1.53M$2.07M$4.40M$2.60M
Net income$19.26M$16.97M$19.26M$23.44M$10.07M$7.98M$6.69M$8.47M$6.55M$5.75M
EPS, basic$3.57$3.16$3.60$4.40$2.16$2.95$2.49$3.18$2.61$2.43
EPS, diluted$3.55$3.15$3.58$4.38$2.14$2.95$2.49$3.15$2.58$2.41
Diluted shares5.4M5.4M5.4M5.4M4.7M2.7M2.7M2.7M2.5M2.4M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents-------$18.87M$18.28M$38.50M
Goodwill$7.77M$7.77M$7.77M$7.77M$8.14M$372.0K$372.0K$372.0K$372.0K$372.0K
Total assets$1.65B$1.62B$1.65B$1.62B$1.97B$848.41M$702.63M$644.80M$643.89M$605.03M
Short-term debt$20.00M$20.00M$66.50M-------
Total debt$20.00M$20.24M$69.96M--$30.00M----
Total liabilities$1.47B$1.46B$1.49B$1.49B$1.81B$765.81M$626.52M$574.06M$578.78M$545.98M
Shareholders' equity$184.16M$160.30M$153.04M$133.42M$161.99M$82.60M$76.11M$70.74M$65.11M$59.05M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$21.33M$15.29M$13.90M$22.68M$13.06M$9.25M$9.35M$11.76M$8.79M$5.29M
Capital expenditures$582.0K$733.0K$1.17M$546.0K$1.29M$199.0K$189.0K$846.0K$463.0K$585.0K
Free cash flow$20.75M$14.56M$12.73M$22.14M$11.77M$9.05M$9.16M$10.91M$8.33M$4.71M
Investing cash flow$31.80M$15.75M-$19.77M-$167.20M$262.19M-$129.95M-$54.77M-$4.44M-$61.32M-$42.87M
Financing cash flow$381.0K-$42.33M-$5.88M-$324.19M$198.89M$136.31M$45.63M-$6.72M$32.30M$32.55M
Share repurchases-$559.0K-------$1.26M
Depreciation and amortization$1.30M$1.30M$1.50M$1.60M$1.60M$1.90M$1.10M$1.12M$1.14M$1.18M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY6.7%-7.1%-13.6%21.2%82.1%10.8%-3.3%4.3%14.7%12.2%
Net income growth, YoY13.5%-11.9%-17.8%132.7%26.2%19.3%-21.0%29.2%14.0%84.2%
EPS growth, YoY12.7%-12.0%-18.3%104.7%-18.5%-21.0%22.1%7.1%95.9%
Net margin33.4%31.4%33.2%34.9%18.2%26.2%24.3%29.8%24.0%24.2%
Free cash flow margin36.0%27.0%21.9%32.9%21.2%29.7%33.3%38.4%30.6%19.8%
Return on equity10.5%10.6%12.6%17.6%6.2%9.7%8.8%12.0%10.1%9.7%
Return on assets1.2%1.0%1.2%1.4%0.5%0.9%1.0%1.3%1.0%1.0%
Debt to equity0.110.130.46--0.36----

Source: XBRL data Virginia National Bankshares Corporation files with the SEC, latest filing dated Aug 13, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

VABK peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
VABK$63.62M+13.3%$24.80M39.0%$289.5M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

VABK FAQ

7 questions
  • What is VABK revenue?
    Virginia National Bankshares Corporation (VABK) reported $63.62M of revenue for the twelve months ended Jun 30, 2026. That is up 13.3% from the year before. Revenue for fiscal 2025 was $57.60M.
  • Is VABK profitable?
    Yes. Virginia National Bankshares Corporation earned $24.80M in net income for the twelve months ended Jun 30, 2026, a net margin of 39.0%.
  • How fast is VABK revenue growing?
    Virginia National Bankshares Corporation's revenue changed +6.7% in fiscal 2025, to $57.60M. Its compound annual growth rate was +13.6% over 5 years and +10.5% over 10 years.
  • What is VABK free cash flow?
    Virginia National Bankshares Corporation generated $22.52M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $23.25M less capital expenditures.
  • What is VABK earnings per share?
    Diluted earnings per share were $4.56 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did VABK last report financial results?
    The latest statements here come from Virginia National Bankshares Corporation's 10-Q filed on Aug 13, 2026, covering the period ended Jun 30, 2026.
  • Where does this VABK financial data come from?
    Quantisnow builds these statements from the structured XBRL data Virginia National Bankshares Corporation files with the SEC. It is provided for information only and is not investment advice.