What is Virginia Natl Bankshares Corp's earnings per share (EPS)?

Virginia Natl Bankshares Corp (VABK) reported diluted earnings per share of $3.55 for fiscal year 2025. This represents a 12.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Virginia Natl Bankshares Corp Financials

VABK

Source SEC Filings (10-K/10-Q) Updated Mar 27, 2026 Currency USD FYE March

This page shows Virginia Natl Bankshares Corp (VABK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 41/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Virginia Natl Bankshares Corp's revenue grew a modest 1.7% year-over-year to $77.2M. This slow but positive growth earns a score of 36/100.

Leverage

Virginia Natl Bankshares Corp has elevated debt relative to equity (D/E of 7.96), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Virginia Natl Bankshares Corp converts 26.9% of revenue into free cash flow ($20.8M). This strong cash generation earns a score of 92/100.

Returns

Virginia Natl Bankshares Corp's ROE of 10.5% shows moderate profitability relative to equity, earning a score of 34/100. This is down from 10.6% the prior year.

Piotroski F-Score Neutral

4/9

Virginia Natl Bankshares Corp passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.11x

For every $1 of reported earnings, Virginia Natl Bankshares Corp generates $1.11 in operating cash flow ($21.3M OCF vs $19.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$77.2M

YoY+1.7%

5Y CAGR+23.2%

10Y CAGR+16.2%

Virginia Natl Bankshares Corp generated $77.2M in revenue in fiscal year 2025. This represents an increase of 1.7% from the prior year.

EBITDA

N/A

Net Income

$19.3M

YoY+13.5%

5Y CAGR+19.3%

10Y CAGR+20.0%

Virginia Natl Bankshares Corp reported $19.3M in net income in fiscal year 2025. This represents an increase of 13.5% from the prior year.

EPS (Diluted)

$3.55

YoY+12.7%

5Y CAGR+3.8%

10Y CAGR+11.2%

Virginia Natl Bankshares Corp earned $3.55 per diluted share (EPS) in fiscal year 2025. This represents an increase of 12.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$20.8M

YoY+42.6%

5Y CAGR+18.0%

10Y CAGR+14.9%

Virginia Natl Bankshares Corp generated $20.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 42.6% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$1.32

YoY+0.0%

5Y CAGR+1.9%

10Y CAGR+13.4%

Virginia Natl Bankshares Corp paid $1.32 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY+1.0%

5Y CAGR+14.8%

10Y CAGR+8.4%

Virginia Natl Bankshares Corp had 5M shares outstanding in fiscal year 2025. This represents an increase of 1.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.9%

YoY+2.6pp

5Y CAGR-4.4pp

10Y CAGR+6.9pp

Virginia Natl Bankshares Corp's net profit margin was 24.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.6 percentage points from the prior year.

Return on Equity

10.5%

YoY-0.1pp

5Y CAGR+0.8pp

10Y CAGR+4.9pp

Virginia Natl Bankshares Corp's ROE was 10.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$559K

YoY+0.0%

10Y CAGR-21.6%

Virginia Natl Bankshares Corp spent $559K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 0.0% from the prior year.

Capital Expenditures

$582K

YoY-20.6%

5Y CAGR+23.9%

10Y CAGR+4.7%

Virginia Natl Bankshares Corp invested $582K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 20.6% from the prior year.

VABK Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$77.2M+1.7%	$75.9M+8.5%	$70.0M+23.4%	$56.7M+17.5%	$48.3M+77.3%	$27.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$15.7M	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$25.7M-12.9%	$29.6M+40.6%	$21.0M+560.2%	$3.2M-3.0%	$3.3M-2.0%	$3.4M
Income Tax	$4.8M+22.6%	$3.9M-1.9%	$4.0M-21.5%	$5.1M+176.7%	$1.8M-10.6%	$2.1M
Net Income	$19.3M+13.5%	$17.0M-11.9%	$19.3M-17.8%	$23.4M+132.7%	$10.1M+26.2%	$8.0M
EPS (Diluted)	$3.55+12.7%	$3.15-12.0%	$3.58-18.3%	$4.38+104.7%	$2.14-27.5%	$2.95

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$19.5M+1.8%	$19.1M+0.7%	$19.0M-1.5%	$19.3M-0.6%	$19.4M+4.0%	$18.7M+0.6%	$18.6M+2.7%	$18.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$6.4M+0.9%	$6.3M-5.5%	$6.7M-5.0%	$7.1M-4.3%	$7.4M-1.3%	$7.5M-1.9%	$7.6M+4.1%	$7.3M
Income Tax	$1.1M-6.2%	$1.2M+31.5%	$901K-29.9%	$1.3M+22.8%	$1.0M+12.7%	$929K+38.5%	$671K+6.7%	$629K
Net Income	$4.6M+8.0%	$4.2M-5.6%	$4.5M-1.6%	$4.6M-0.8%	$4.6M+10.6%	$4.2M+14.1%	$3.6M+15.1%	$3.2M
EPS (Diluted)	$0.84+7.7%	$0.78-6.0%	$0.83	N/A	$0.85+10.4%	$0.77+13.2%	$0.68	N/A

VABK Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.6B+2.0%	$1.6B-1.8%	$1.6B+1.4%	$1.6B-17.7%	$2.0B+132.5%	$848.4M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$7.8M0.0%	$7.8M0.0%	$7.8M0.0%	$7.8M-4.6%	$8.1M+2088.2%	$372K
Total Liabilities	$1.5B+0.6%	$1.5B-2.4%	$1.5B+0.2%	$1.5B-17.7%	$1.8B+136.4%	$765.8M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$184.2M+14.9%	$160.3M+4.7%	$153.0M+14.7%	$133.4M-17.6%	$162.0M+96.1%	$82.6M
Retained Earnings	$94.2M+14.1%	$82.5M+11.8%	$73.8M+16.2%	$63.5M+36.7%	$46.4M+10.7%	$42.0M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.6B-1.7%	$1.6B+0.1%	$1.6B+1.1%	$1.6B+0.1%	$1.6B+2.6%	$1.6B-2.8%	$1.6B-1.6%	$1.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$7.8M0.0%	$7.8M0.0%	$7.8M0.0%	$7.8M-0.4%	$7.8M0.0%	$7.8M0.0%	$7.8M+0.4%	$7.8M
Total Liabilities	$1.4B-2.4%	$1.5B-0.2%	$1.5B+0.7%	$1.5B+0.5%	$1.4B+2.1%	$1.4B-3.2%	$1.5B-1.7%	$1.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$177.4M+3.9%	$170.8M+2.4%	$166.8M+4.0%	$160.3M-3.4%	$165.9M+7.6%	$154.2M+1.0%	$152.6M-0.3%	$153.0M
Retained Earnings	$90.1M+3.0%	$87.5M+2.7%	$85.2M+3.3%	$82.5M+2.1%	$80.8M+3.6%	$78.0M+3.0%	$75.7M+2.5%	$73.8M

VABK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$21.3M+39.5%	$15.3M+10.0%	$13.9M-38.7%	$22.7M+73.6%	$13.1M+41.2%	$9.3M
Capital Expenditures	$582K-20.6%	$733K-37.4%	$1.2M+114.5%	$546K-57.8%	$1.3M+549.7%	$199K
Free Cash Flow	$20.8M+42.6%	$14.6M+14.3%	$12.7M-42.5%	$22.1M+88.1%	$11.8M+30.0%	$9.1M
Investing Cash Flow	$31.8M+101.8%	$15.8M+179.7%	-$19.8M+88.2%	-$167.2M-163.8%	$262.2M+301.8%	-$129.9M
Financing Cash Flow	$381K+100.9%	-$42.3M-619.5%	-$5.9M+98.2%	-$324.2M-263.0%	$198.9M+45.9%	$136.3M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$559K0.0%	$559K	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$6.0M-11.3%	$6.7M+222.1%	$2.1M-37.7%	$3.4M-77.9%	$15.2M+336.5%	-$6.4M-302.5%	$3.2M-1.2%	$3.2M
Capital Expenditures	-$67K-357.7%	$26K-90.0%	$259K+41.5%	$183K+50.0%	$122K-69.3%	$397K+1180.6%	$31K-89.7%	$301K
Free Cash Flow	$5.9M-11.9%	$6.7M+266.2%	$1.8M-42.3%	$3.2M-78.9%	$15.1M+320.9%	-$6.8M-317.2%	$3.1M+8.0%	$2.9M
Investing Cash Flow	$15.7M+89.3%	$8.3M+380.9%	$1.7M+113.8%	-$12.5M+69.3%	-$40.8M-255.5%	$26.2M-38.8%	$42.8M+174.9%	-$57.2M
Financing Cash Flow	-$37.1M-509.6%	-$6.1M-170.4%	$8.7M+22.0%	$7.1M-74.2%	$27.5M+157.2%	-$48.0M-66.2%	-$28.9M-145.1%	$64.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$0	$0	$0	$0	$0-100.0%	$533K+1950.0%	$26K	N/A

VABK Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.9%+2.6pp	22.4%-5.2pp	27.5%-13.8pp	41.3%+20.5pp	20.9%-8.4pp	29.3%
Return on Equity	10.5%-0.1pp	10.6%-2.0pp	12.6%-5.0pp	17.6%+11.3pp	6.2%-3.4pp	9.7%
Return on Assets	1.2%+0.1pp	1.1%-0.1pp	1.2%-0.3pp	1.4%+0.9pp	0.5%-0.4pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.96-1.1	9.09-0.7	9.76-1.4	11.170.0	11.18+1.9	9.27
FCF Margin	26.9%+7.7pp	19.2%+1.0pp	18.2%-20.8pp	39.0%+14.6pp	24.4%-8.9pp	33.3%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.5%+1.3pp	22.1%-1.5pp	23.6%-0.0pp	23.6%-0.1pp	23.7%+1.4pp	22.3%+2.6pp	19.6%+2.1pp	17.5%
Return on Equity	2.6%+0.1pp	2.5%-0.2pp	2.7%-0.2pp	2.9%+0.1pp	2.8%+0.1pp	2.7%+0.3pp	2.4%+0.3pp	2.1%
Return on Assets	0.3%+0.0pp	0.3%-0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.2%+0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.06-0.5	8.57-0.2	8.80-0.3	9.09+0.4	8.73-0.5	9.21-0.4	9.61-0.1	9.76
FCF Margin	30.4%-4.7pp	35.1%+25.4pp	9.6%-6.8pp	16.5%-61.1pp	77.6%+114.1pp	-36.5%-53.4pp	16.9%+0.8pp	16.1%

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Frequently Asked Questions

What is Virginia Natl Bankshares Corp's annual revenue?

Virginia Natl Bankshares Corp (VABK) reported $77.2M in total revenue for fiscal year 2025. This represents a 1.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Virginia Natl Bankshares Corp's revenue growing?

Virginia Natl Bankshares Corp (VABK) revenue grew by 1.7% year-over-year, from $75.9M to $77.2M in fiscal year 2025.

Is Virginia Natl Bankshares Corp profitable?

Yes, Virginia Natl Bankshares Corp (VABK) reported a net income of $19.3M in fiscal year 2025, with a net profit margin of 24.9%.

What is Virginia Natl Bankshares Corp's net profit margin?

Virginia Natl Bankshares Corp (VABK) had a net profit margin of 24.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Virginia Natl Bankshares Corp pay dividends?

Yes, Virginia Natl Bankshares Corp (VABK) paid $1.32 per share in dividends during fiscal year 2025.

What is Virginia Natl Bankshares Corp's return on equity (ROE)?

Virginia Natl Bankshares Corp (VABK) has a return on equity of 10.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Virginia Natl Bankshares Corp's free cash flow?

Virginia Natl Bankshares Corp (VABK) generated $20.8M in free cash flow during fiscal year 2025. This represents a 42.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Virginia Natl Bankshares Corp's operating cash flow?

Virginia Natl Bankshares Corp (VABK) generated $21.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Virginia Natl Bankshares Corp's total assets?

Virginia Natl Bankshares Corp (VABK) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Virginia Natl Bankshares Corp's capital expenditures?

Virginia Natl Bankshares Corp (VABK) invested $582K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Virginia Natl Bankshares Corp buy back shares?

Yes, Virginia Natl Bankshares Corp (VABK) spent $559K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Virginia Natl Bankshares Corp have outstanding?

Virginia Natl Bankshares Corp (VABK) had 5M shares outstanding as of fiscal year 2025.

What is Virginia Natl Bankshares Corp's debt-to-equity ratio?

Virginia Natl Bankshares Corp (VABK) had a debt-to-equity ratio of 7.96 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Virginia Natl Bankshares Corp's return on assets (ROA)?

Virginia Natl Bankshares Corp (VABK) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Virginia Natl Bankshares Corp's Piotroski F-Score?

Virginia Natl Bankshares Corp (VABK) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Virginia Natl Bankshares Corp's earnings high quality?

Virginia Natl Bankshares Corp (VABK) has an earnings quality ratio of 1.11x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Virginia Natl Bankshares Corp?

Virginia Natl Bankshares Corp (VABK) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.