VABK - NASDAQ
Virginia National Bankshares Corporation
$40.42
+0.85%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.
At a Glance
Live SnapshotVirginia National Bankshares Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Virginia National Bankshares Corporation Cash Flow Statement
VABK • NASDAQ
| Virginia National Bankshares Corporation Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
19.3M | 17M | 19.3M | 23.4M | 10.1M | 8M | 6.7M | 8.5M | 6.6M | 5.7M | 3.1M | 1.9M | 6.9M | 5.5M | 2.3M | 4M | 1.9M | 112K | 1.5M | 2.7M | |
0.0 | 4.3M | 4.8M | 5.1M | 4.4M | 2M | 1.2M | 1.2M | 1.3M | 1.3M | 1.2M | 1.2M | 1.3M | 1.4M | 1.6M | 1.7M | 1.7M | 1.4M | 869K | 893K | |
0.0 | -10K | -473K | -138K | 702K | -214K | 91K | -234K | 768K | 77K | 373K | -61K | -292K | -216K | 780K | 0.0 | 0.0 | 0.0 | 0.0 | -251K | |
0.0 | 968K | 727K | 687K | 521K | 264K | 534K | 65K | 10K | 28K | 30K | 52K | 106K | 105K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
2.8M | -4.7M | -9.6M | -4.2M | -1.6M | 1.2M | 794K | 1.7M | 481K | -66K | 832K | 842K | 354K | 1.2M | 3.6M | 1.1M | 2M | 1.2M | 1.1M | 370K | |
(4.4M) | (3.6M) | (3.8M) | (4.5M) | (1.2M) | (2.8M) | (1.9M) | (2.5M) | (3.8M) | (2.7M) | (904K) | (2.5M) | (2.8M) | (870K) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-678K | -2.2M | -811K | -2.2M | -1M | -1.9M | 41K | 495K | -268K | -1.8M | 20K | 3.8M | 288K | -2.5M | -3.3M | 1M | -5.3M | -4.5M | 702K | -364K | |
21.3M | 15.3M | 13.9M | 22.7M | 13.1M | 9.3M | 9.3M | 11.8M | 8.8M | 5.3M | 5.5M | 7.7M | 8.6M | 5.6M | 5M | 7.9M | 293K | -1.8M | 4.2M | 3.3M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -733K | -1.2M | -546K | -1.3M | -199K | -189K | -846K | -463K | -585K | -367K | -803K | -462K | -1.5M | -460K | -287K | -1.3M | -5M | -6.9M | -1.8M | |
(0.0) | (0.0) | (0.0) | (0.0) | (153.3M) | -50K | -50K | -100K | -300K | -700K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | (0.0) | -83.2M | -316.4M | -74.4M | -167.4M | -79.7M | (0.0) | -45.3M | -19M | -26.8M | -44.3M | -66.6M | -59M | (0.0) | -30.4M | -17.7M | -634K | -16.4M | -5.1M | |
0.0 | 154.2M | 214.4M | 22.7M | 31.7M | 109.2M | 28.4M | 5.9M | 34M | 35.9M | 92.9M | 37M | 45.7M | 30.7M | 0.0 | 2M | 11M | 15.1M | 10.3M | 33.5M | |
31.8M | -137.7M | -149.8M | 127M | 152.9M | -71.6M | -3.2M | -9.4M | -49.3M | -58.5M | -109.6M | -12.7M | -15.9M | 4M | -26M | 16.6M | -37.9M | -56.3M | -6.2M | -27M | |
(31.8M) | (15.8M) | -19.8M | -167.2M | (262.2M) | -129.9M | -54.8M | -4.4M | -61.3M | -42.9M | -43.8M | -20.8M | -37.3M | -25.8M | -26.5M | -12M | -45.8M | -47M | -19.3M | -350K | |
FINANCING ACTIVITIES | ||||||||||||||||||||
35K | -559K | 18K | 23K | 30K | 0.0 | -5K | 0.0 | 0.0 | -1.3M | -6.3M | -262K | 0.0 | 0.0 | -7K | -9K | 25K | 796K | 2.3M | 927K | |
-236K | -49.1M | 70M | 0.0 | -42.6M | 30M | 0.0 | -15M | 15M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 822K | -1.8M | 768K | -8.3M | 1.6M | 245K | |
-7.6M | -7.1M | -7.1M | -6.4M | -6.4M | -3.2M | -3.1M | -2.5M | -1.4M | -1.1M | -891K | -674K | -403K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -559K | (0.0) | (0.0) | (0.0) | (0.0) | -5K | (0.0) | (0.0) | -1.3M | -6.3M | -262K | (0.0) | (0.0) | -7K | -9K | (0.0) | (0.0) | (0.0) | (0.0) | |
8.2M | 14.4M | -68.8M | -317.8M | 247.9M | 109.6M | 48.8M | 10.7M | 18.7M | 34.9M | 34.9M | 28.1M | -2.7M | 34.9M | 4.2M | 13.5M | 36.3M | 57.4M | 40.5M | 12.7M | |
381K | -42.3M | -5.9M | -324.2M | 198.9M | 136.3M | 45.6M | -6.7M | 32.3M | 32.6M | 27.7M | 27.1M | -3.1M | 34.9M | 5M | 11.7M | 37.1M | 49.9M | 44.3M | 13.9M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
53.5M | -11.3M | -11.7M | -468.7M | 474.1M | 15.6M | 211K | 597K | -20.2M | -5M | -10.6M | 14M | -31.7M | 14.7M | -16.5M | 0.0 | 0.0 | 0.0 | 0.0 | 16.9M | |
17.1M | 28.4M | 40.1M | 508.8M | 34.7M | 19.1M | 18.9M | 18.3M | 38.5M | 43.5M | 54.1M | 40.1M | 71.8M | 57M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 27.3M | |
70.6M | 17.1M | 28.4M | 40.1M | 508.8M | 34.7M | 19.1M | 18.9M | 18.3M | 38.5M | 43.5M | 54.1M | 40.1M | 71.8M | -16.5M | 0.0 | 0.0 | 0.0 | 0.0 | 44.1M | |
20.8M | 14.6M | 12.7M | 22.1M | 11.8M | 9.1M | 9.2M | 10.9M | 8.3M | 4.7M | 5.2M | 6.9M | 8.2M | 4M | 4.5M | 7.6M | -973K | -6.9M | -2.7M | 1.5M |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 12, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 04, 2026 | May 01, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 30, 2026 | June 25, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 22, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 05, 2026 | January 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 27, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 19, 2025 | November 19, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 12, 2025 | September 30, 2025 | 2025 |
Related Guides
Continue your VABK research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.