VABK - NASDAQ

Virginia National Bankshares Corporation

VABK·NASDAQ

$40.42

+0.85%

Financial ServicesBanks - Regional

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial banking services. The company operates through four segments: Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. It provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. The company also offers commercial and industrial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. In addition, it provides automated teller machines, internet banking, treasury, and cash management services, as well as merchant and debit card services; and wealth and investment advisory, brokerage, insurance, consulting, and related services. Further, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations. As of December 31, 2021, the company operated sixteen full-service banking facilities in the cities of Charlottesville, Manassas, Richmond, and Winchester, as well as the counties of Albemarle, Fauquier, and Prince William. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$219.18M

EPS3.5700

P/E Ratio11.32

Earnings Date04/23/2026

1.65B

Assets

3Y+2.0%

5Y+94.0%

10Y+173.0%

1.47B

Total Liabilities

3Y-2.0%

5Y+91.0%

10Y+168.0%

184.16M

Total Equity

15%

3Y+38.0%

5Y+123.0%

10Y+212.0%

Virginia National Bankshares Corporation Funding & Solvency Profile

VABK · NASDAQ

Current Assets

Cash & Cash Equivalents5.80M

Net Receivables6.21M

Inventory0.00

Other Current Assets-60.48M

Total Current Assets6 M

Non-Current Assets

Property, Plant & Equipment17.98M

Goodwill & Intangible Assets10.45M

Long-Term Investments1.49B

Other Non-Current Assets-1.49B

Total Non-Current Assets18 M

Total Assets

1.65B

Financial Health Analysis

Current Ratio

0.00x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.96x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1425933000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

0% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Virginia National Bankshares Corporation Balance Sheet

VABK • NASDAQ

Virginia National Bankshares Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	5.8M	17.1M	28.4M	40.1M	356.4M	8.1M	14.9M	11.7M	11.4M	10M	14.2M	12.8M	12.9M	15.6M	0.0	0.0	0.0	0.0	0.0	14.9M
Short-Term Investments	54.3M	12M	420.6M	538.2M	303.8M	174.1M	114M	61.4M	67.5M	56.7M	74.8M	141.8M	133M	110.9M	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	60.1M	29.1M	449M	578.3M	660.2M	182.2M	128.9M	73.1M	78.9M	66.7M	89M	154.7M	145.9M	126.5M	0.0	0.0	0.0	0.0	0.0	14.9M
Net Receivables	6.2M	0.0	14.3M	13.5M	13.3M	6.3M	9.2M	5.9M	6.4M	6.7M	5.2M	5.8M	16.8M	11.1M	0.0	0.0	0.0	0.0	0.0	4.7M
Accounts Receivables	0.0	0.0	14.3M	13.5M	13.3M	6.3M	9.2M	5.9M	6.4M	6.7M	5.2M	5.8M	16.8M	11.1M	0.0	0.0	0.0	0.0	0.0	4.7M
Other Receivables	6.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Assets	-60.5M	0.0	0.0	0.0	0.0	0.0	651K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	85.9M	79M	87.7M	75.4M	0.0
Total Current Assets	5.8M	29.1M	463.3M	591.8M	673.5M	188.5M	138.8M	79M	85.3M	73.4M	94.2M	160.4M	162.7M	137.6M	0.0	85.9M	79M	87.7M	75.4M	19.6M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	18M	20.9M	22.9M	24.3M	32.7M	8.8M	6.1M	7M	7.4M	8M	8.7M	9.5M	9.8M	10.7M	10.7M	11.8M	13.2M	14.2M	10.6M	4.5M
Goodwill	7.8M	7.8M	7.8M	7.8M	8.1M	372K	372K	372K	372K	372K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	2.7M	3.8M	5.1M	6.6M	8.5M	341K	408K	477K	579K	680K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	10.5M	11.6M	12.9M	14.4M	16.7M	713K	780K	849K	951K	1.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Long-Term Investments	1.5B	1.5B	1.1B	931.8M	1.1B	604M	535.3M	532.3M	524.7M	478.4M	420.1M	310.1M	296.7M	287.6M	0.0	0.0	0.0	6M	0.0	249.1M
Tax Assets	12.1M	15.4M	15.4M	17.3M	4.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.6M	2.3M	1.9M	1.7M	0.0
Other Non-Current Assets	-1.5B	60.8M	47.3M	43.7M	189.3M	46.4M	22.3M	25.6M	25.5M	44.1M	44.5M	57M	43.8M	71.8M	-12.6M	358.5M	347.2M	291.8M	261M	29.3M
Total Non-Current Assets	40.5M	1.6B	1.2B	1B	1.3B	659.9M	564.5M	565.8M	558.6M	531.6M	473.2M	376.6M	350.3M	370M	-100K	372.9M	362.7M	313.9M	273.3M	282.9M
Other Assets	1.6B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	464.1M	0.0	0.0	0.0	0.0	0.0
Total Assets	1.6B	1.6B	1.6B	1.6B	2B	848.4M	703.3M	644.8M	643.9M	605M	567.6M	537.1M	513M	507.6M	464M	458.8M	441.7M	401.6M	348.7M	302.5M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	4M	2M	3.6M	1.5M	5.3M	1.5M	1.7M	1.6M	1.6M	1.7M	8.2M	4.2M	700K	0.0	0.0	0.0	0.0	1.3M
Accounts Payable	0.0	0.0	4M	2M	3.6M	1.5M	5.3M	1.5M	1.7M	1.6M	1.6M	1.7M	8.2M	4.2M	700K	0.0	0.0	0.0	0.0	1.3M
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	125K	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Short Term Debt	0.0	236K	3.5M	0.0	0.0	0.0	0.0	0.0	34.1M	19.7M	23.2M	18M	16.3M	4M	2.6M	1.8M	3.6M	2.8M	11.1M	9.6M
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	0.0	5.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	1.4B	1.4B	1.4B	1.5B	1.8B	730.8M	616M	572.5M	543M	524.7M	486.5M	456.7M	430.5M	445.4M	0.0	258M	270.7M	240.1M	234.6M	260.1M
Total Current Liabilities	1.4B	1.4B	1.4B	1.5B	1.8B	732.2M	626.5M	574.1M	578.8M	546M	511.2M	476.4M	455M	453.7M	3.3M	259.8M	274.3M	242.9M	245.7M	270.9M
NON-CURRENT LIABILITIES
Long Term Debt	23.6M	23.5M	70M	3.4M	3.4M	30M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	484K	388K	394K	58K	0.0
Other Non-Current Liabilities	4.1M	3.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	153M	126.1M	120M	66.8M	0.0
Total Non-Current Liabilities	33.9M	32.7M	76.5M	9.6M	10.5M	33.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	153.5M	126.5M	120.4M	66.8M	0.0
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	411.8M	0.0	0.0	0.0	0.0	0.0
Capital Lease Obligations	6.2M	5.4M	6.5M	6.2M	7.1M	3.6M	2.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.5B	1.5B	1.5B	1.5B	1.8B	765.8M	626.5M	574.1M	578.8M	546M	511.2M	476.4M	455M	453.7M	415.1M	413.3M	400.8M	363.3M	312.6M	270.9M
SHAREHOLDERS' EQUITY
Common Stock	13.3M	13.3M	13.3M	13.2M	13.2M	6.7M	6.7M	6.4M	6M	5.9M	6M	6.7M	6.7M	6.7M	6.7M	5.8M	5.8M	5.8M	5.7M	5.4M
Additional Paid-In Capital	107.3M	106.4M	106M	105.3M	104.6M	32.5M	32.2M	27M	22M	21.2M	22.2M	27.9M	27.9M	27.8M	0.0	22.2M	21.8M	21.2M	19.9M	17.3M
Retained Earnings	94.2M	82.5M	73.8M	63.5M	46.4M	42M	37.2M	38.6M	37.8M	32.8M	28.3M	26M	24.7M	18.3M	12.8M	16.6M	12.5M	10.6M	10.5M	9M
Accumulated Other Comprehensive Income/Loss	-30.7M	-41.9M	-40M	-48.6M	-2.2M	1.5M	-43K	-1.3M	-883K	-779K	-118K	44K	-1.4M	1.2M	-11.5M	917K	738K	669K	2K	-130K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	40.9M	0.0	0.0	0.0	0.0	0.0
Total Stockholders' Equity	184.2M	160.3M	153M	133.4M	162M	82.6M	76.1M	70.7M	65.1M	59.1M	56.4M	60.6M	58M	53.9M	48.9M	45.5M	40.9M	38.3M	36.1M	31.6M
Total Equity	184.2M	160.3M	153M	133.4M	162M	82.6M	76.1M	70.7M	65.1M	59.1M	56.4M	60.6M	58M	53.9M	48.9M	45.5M	40.9M	38.3M	36.1M	31.6M
SUMMARY
Total Liabilities & Equity	1.6B	1.6B	1.6B	1.6B	2B	848.4M	703.3M	644.8M	643.9M	605M	567.6M	537.1M	513M	507.6M	464M	458.8M	441.7M	401.6M	348.7M	302.5M
Total Investments	1.5B	1.5B	1.5B	1.5B	1.4B	778M	649.4M	593.7M	592.2M	535.1M	494.9M	451.9M	429.7M	398.4M	0.0	0.0	0.0	6M	0.0	249.1M
Total Debt	29.7M	29.1M	79.9M	9.6M	10.5M	33.6M	0.0	0.0	34.1M	19.7M	23.2M	18M	16.3M	4M	2.6M	1.8M	3.6M	2.8M	11.1M	9.6M
Net Debt	23.9M	12M	51.5M	-30.5M	-345.9M	25.5M	-14.9M	-11.7M	22.7M	9.7M	9M	5.2M	3.4M	-11.6M	2.6M	1.8M	3.6M	2.8M	11.1M	-5.3M
Shares Outstanding	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979	5,391,979

SEC Filings

VABK - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 15, 2026	May 11, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 12, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 04, 2026	May 01, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 30, 2026	June 25, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 22, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 27, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 05, 2026	January 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 19, 2025	November 19, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 12, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 206 filings

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