Virginia National Bankshares Corporation

Virginia National Bankshares Corporation

VABKยทNASDAQ

$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.

At a Glance

Live Snapshot
Market Cap$219.18M
EPS3.5700
P/E Ratio11.32
Earnings Date04/23/2026
3Y+19.0%
5Y+147.0%
10Y+242.0%
3Y-18.0%
5Y+141.0%
10Y+235.0%
3Y-6.0%
5Y+131.0%
10Y+303.0%
Virginia National Bankshares Corporation

Virginia National Bankshares Corporation Profit Bridge

VABK ยท NASDAQ
Revenue83.34M
Cost of Goods Sold (25.87M)
Gross Profit57.47M
Operating Expenses (33.38M)
Operating Income24.08M
Interest Expense (25.74M)
Other Income/Expense0.00
Pretax Income24.08M
Income Tax (4.82M)
Net Income19.26M
Net Income
19.26M

Profitability Analysis

Gross Margin

69.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

28.9%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

23.1%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

20.0%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Virginia National Bankshares Corporation Income Statement

VABK โ€ข NASDAQ

Virginia National Bankshares Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
83.3M
82.6M
79.1M
70M
58.7M
33.8M
31.6M
31M
28.2M
24.4M
21.9M
20.6M
33M
28.9M
23M
26.4M
25M
20M
21.4M
20.6M
GROSS PROFIT
(25.9M)
(29M)
(21.8M)
(3.3M)
(4.3M)
(5M)
(5.6M)
(4.7M)
(1.7M)
(1M)
(1.4M)
(1.2M)
(1.2M)
(1.2M)
(0.0)
(26.4M)
(25M)
(20M)
(21.4M)
(4.8M)
57.5M
53.7M
57.3M
66.7M
54.4M
28.8M
25.9M
26.3M
26.6M
23.3M
20.4M
19.4M
31.8M
27.7M
23M
0.0
0.0
0.0
0.0
15.8M
OPERATING INCOME
(33.4M)
(32.8M)
(34.1M)
(38.2M)
(42.5M)
(18.8M)
(17.7M)
(15.8M)
(15.6M)
(15M)
(16.1M)
(17M)
(21.7M)
(19.7M)
(19.7M)
(4.5M)
(4.3M)
(3.5M)
(2.8M)
(11.6M)
(1.9M)
(17.4M)
(17.7M)
(19M)
(17.9M)
(10.1M)
(9.8M)
(8.8M)
(8.8M)
(9.6M)
(10.8M)
(11.4M)
(15.7M)
(11M)
(17.9M)
(8.9M)
(8.6M)
(7M)
(5.7M)
(6.7M)
24.1M
20.9M
23.3M
28.5M
11.9M
10M
8.2M
10.5M
11M
8.4M
4.3M
2.4M
10.1M
8.1M
3.3M
6.4M
3M
314K
2.5M
4.2M
PRE-TAX INCOME
(25.7M)
(29.6M)
(21M)
(3.2M)
(3.3M)
(3.4M)
(4.3M)
(2.8M)
(1.2M)
(937K)
(974K)
(928K)
(997K)
(1.3M)
(1.8M)
(0.0)
(0.0)
(0.0)
(0.0)
(4.4M)
51.5M
45.9M
48.6M
53.3M
44.8M
23.8M
21.8M
22.8M
21.3M
18.2M
16.2M
14.4M
14.4M
15.6M
0.0
0.0
0.0
0.0
0.0
13.3M
(31.5M)
(15.4M)
(16.4M)
(19.2M)
(24.6M)
(8.7M)
(7.9M)
(7.1M)
(6.8M)
(5.4M)
(5.3M)
(5.7M)
(6.1M)
(8.7M)
(1.8M)
-4.5M
-4.3M
-3.5M
-2.8M
(4.9M)
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
-276K
0.0
0.0
0.0
0.0
24.1M
20.9M
23.3M
28.5M
11.9M
10M
8.2M
10.5M
11M
8.4M
4.3M
2.4M
10.1M
8.1M
3.3M
6.1M
3M
314K
2.5M
4.2M
NET INCOME
(4.8M)
(3.9M)
(4M)
(5.1M)
(1.8M)
(2.1M)
(1.5M)
(2.1M)
(4.4M)
(2.6M)
(1.2M)
(456K)
(3.2M)
(2.6M)
(930K)
(2.1M)
(1.1M)
(202K)
(1M)
(1.6M)
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

SEC Filings

VABK - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 206 filings