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 (VABK) Financials

VABK

Trailing 12 months to June 30, 2026

Revenue $63.6M +13.3% YoY

Net Income $24.8M YoY not available

EPS (Diluted) $4.56 +37.8% YoY

Free Cash Flow $22.5M -15.9% YoY

Market Cap $259.9M as of Sep 10, 2026

Price / Sales 4.1x on $63.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.5x on $24.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $194.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 13, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the VABK SEC filings page.

Virginia Natl Bankshares Corp (VABK) reported $63.6M in revenue over the twelve months to Jun 30, 2026, up 13.3% from the prior twelve months. This page shows its 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).

Rhea AI VABK FY2025 2026-09-05

Profitability is recovering while a liability-heavy balance sheet gradually rebuilds equity capital and preserves cash conversion.

FY2025 net margin was 33.4%, while ROA was 1.2%; that gap reflects a balance-sheet-intensive business, where strong earnings generate more modest returns on a large asset base. Operating cash flow of $21.3M exceeded net income of $19.3M, showing that reported earnings were accompanied by cash rather than mainly accruals.

Liabilities stood at $1.47B against equity of $184.2M in FY2025, so the institution remains financed predominantly by liabilities rather than shareholder capital. The 8.0x debt-to-equity ratio was down from 9.1x in FY2024 because equity expanded while liabilities changed little, indicating capital strengthening without a wholesale balance-sheet contraction.

Free cash flow of $20.8M nearly matched operating cash flow of $21.3M, while capital expenditures remained modest; the business converts operating activity into cash without heavy reinvestment. Revenue reached $57.6M in FY2025 from $54.0M in FY2024 while SG&A edged lower, indicating that the latest growth was not accompanied by overhead expansion.

Financial Health Signals

Financial Health Score 57/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Virginia Natl Bankshares Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Virginia Natl Bankshares Corp earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. Earnings ranks banks on that return over three years, and Virginia Natl Bankshares Corp scores 72/100 among other banks.

Growth

Virginia Natl Bankshares Corp reported revenue of $57.6M in fiscal year 2025, against $54.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Virginia Natl Bankshares Corp scores 17/100 among other banks.

Capital

Virginia Natl Bankshares Corp funded 11.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $184.2M of equity against $1.6B of assets. Capital ranks banks on that cushion, and Virginia Natl Bankshares Corp scores 48/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Virginia Natl Bankshares Corp scores 65/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Virginia Natl Bankshares Corp scores 94/100 on it among other banks.

Stability

Virginia Natl Bankshares Corp reported net income of $19.3M in fiscal year 2025. Stability ranks banks on how steady net income has been across five years, and Virginia Natl Bankshares Corp scores 45/100 among other banks.

Piotroski F-Score Partial

4/5

Virginia Natl Bankshares Corp passes 4 of 5 computable financial strength tests (4 of the nine could not be computed from available data). All 3 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

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

$19.8M

YoY+40.2%

QoQ+37.4%

5Y CAGR+4.2%

10Y CAGR+13.3%

Virginia Natl Bankshares Corp generated $19.8M in revenue in Q2 2026. This represents an increase of 40.2% from the same quarter a year earlier. Against the prior quarter it is up 37.4%.

Net Income

$9.0M

YoY+112.6%

QoQ+71.3%

Virginia Natl Bankshares Corp reported $9.0M in net income in Q2 2026. This represents an increase of 112.6% from the same quarter a year earlier. Against the prior quarter it is up 71.3%.

EPS (Diluted)

$1.65

YoY+111.5%

QoQ+70.1%

5Y CAGR+122.9%

10Y CAGR+10.1%

Virginia Natl Bankshares Corp earned $1.65 per diluted share (EPS) in Q2 2026. This represents an increase of 111.5% from the same quarter a year earlier. Against the prior quarter it is up 70.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$3.4M

YoY-49.2%

QoQ-51.5%

5Y CAGR+41.4%

10Y CAGR+17.5%

Virginia Natl Bankshares Corp generated $3.4M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 49.2% from the same quarter a year earlier. Against the prior quarter it is down 51.5%.

Dividends Per Share

$0.36

YoY0.0%

QoQ0.0%

Virginia Natl Bankshares Corp paid $0.36 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.6%

QoQ+0.1%

5Y CAGR+0.4%

10Y CAGR+8.6%

Virginia Natl Bankshares Corp had 5M shares outstanding in Q2 2026. This represents an increase of 0.6% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Cash & Debt

Not reported for Q2 2026.

Margins & Returns

Net Margin

45.5%

YoY+15.5pp

QoQ+9.0pp

Virginia Natl Bankshares Corp's net profit margin was 45.5% in Q2 2026, showing the share of revenue converted to profit. This is up 15.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 9.0 percentage points.

Return on Equity

4.6%

YoY+2.2pp

QoQ+1.8pp

Virginia Natl Bankshares Corp's ROE was 4.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 2.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.8 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$91K

YoY+250.0%

QoQ-56.0%

5Y CAGR-33.0%

10Y CAGR-4.4%

Virginia Natl Bankshares Corp invested $91K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 250.0% from the same quarter a year earlier. Against the prior quarter it is down 56.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

VABK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

VABK quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Revenue	$63.6M	$57.6M+6.7%	$54.0M-7.1%	$58.1M-13.6%	$67.2M+21.2%	$55.5M+82.1%	$30.4M+10.8%	$27.5M-3.3%	$28.4M+4.3%	$27.3M+14.7%	$23.8M+12.2%	$21.2M+5.6%	$20.1M-37.9%	$32.3M
SG&A Expenses	$15.9M	$15.7M-1.5%	$15.9M+0.2%	$15.9M-7.9%	$17.3M+7.0%	$16.1M+70.4%	$9.5M+2.3%	$9.2M+15.1%	$8.0M-3.0%	$8.3M+6.0%	$7.8M-11.9%	$8.9M-4.7%	$9.3M-32.3%	$13.7M
Interest Expense	$24.4M	$25.7M-12.9%	$29.6M+40.6%	$21.0M+560.2%	$3.2M-3.0%	$3.3M-2.0%	$3.4M-21.6%	$4.3M+53.2%	$2.8M+126.1%	$1.2M+31.7%	$937K-3.8%	$974K+5.0%	$928K-6.9%	$997K
Income Tax	$6.3M	$4.8M+22.6%	$3.9M-1.9%	$4.0M-21.5%	$5.1M+176.7%	$1.8M-10.6%	$2.1M+35.2%	$1.5M-26.2%	$2.1M-53.0%	$4.4M+69.2%	$2.6M+117.4%	$1.2M+162.5%	$456K-85.8%	$3.2M
Net Income	$24.8M	$19.3M	N/A	N/A	N/A	$10.1M+26.2%	$8.0M+19.3%	$6.7M-21.0%	$8.5M+29.2%	$6.6M+14.0%	$5.7M+84.2%	$3.1M+64.4%	$1.9M-72.5%	$6.9M
EPS (Basic)	N/A	$3.57+13.0%	$3.16-12.2%	$3.60-18.2%	$4.40+103.7%	$2.16-26.8%	$2.95+18.5%	$2.49-21.7%	$3.18+21.8%	$2.61+7.4%	$2.43+97.6%	$1.23+75.7%	$0.70-72.7%	$2.56
EPS (Diluted)	$4.56	$3.55+12.7%	$3.15-12.0%	$3.58-18.3%	$4.38+104.7%	$2.14	$2.95+18.5%	$2.49-21.0%	$3.15+22.1%	$2.58+7.1%	$2.41+95.9%	$1.23+75.7%	$0.70-72.7%	$2.56
Diluted Shares (Avg)	N/A	5M+0.5%	5M+0.4%	5M+0.4%	5M+14.0%	5M	3M+0.7%	3M+0.2%	3M+5.9%	3M+6.4%	2M-6.3%	3M-6.0%	3M+0.6%	3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$19.8M+40.2%	$14.4M+2.4%	$15.0M+3.6%	$14.4M+7.0%	$14.1M+9.6%	$14.1M+7.2%	$14.5M+12.5%	$13.5M-1.9%
SG&A Expenses	$4.0M+4.2%	$4.0M+1.6%	$4.0M-4.3%	$3.9M+3.7%	$3.9M+0.3%	$3.9M-5.2%	$4.2M+8.1%	$3.8M-4.2%
Interest Expense	$5.8M-9.3%	$6.0M-11.0%	$6.3M-11.0%	$6.4M-13.3%	$6.3M-15.3%	$6.7M-12.0%	$7.1M-3.5%	$7.4M+20.7%
Income Tax	$2.3M+91.7%	$1.3M+41.3%	$1.6M+26.3%	$1.1M+6.1%	$1.2M+27.6%	$901K+34.3%	$1.3M+104.5%	$1.0M+27.1%
Net Income	$9.0M+112.6%	$5.3M+17.2%	$6.0M	$4.6M-0.5%	$4.2M+1.9%	$4.5M+23.1%	N/A	$4.6M-1.1%
EPS (Basic)	$1.66+110.1%	$0.97+16.9%	$1.10+29.4%	$0.85-1.2%	$0.79+2.6%	$0.83+22.1%	$0.85+41.7%	$0.86-1.1%
EPS (Diluted)	$1.65+111.5%	$0.97+16.9%	$1.10+29.4%	$0.84-1.2%	$0.78+1.3%	$0.83+22.1%	$0.85+44.1%	$0.85-1.2%
Diluted Shares (Avg)	5M+0.7%	5M+0.7%	N/A	5M+0.5%	5M+0.6%	5M+0.4%	N/A	5M0.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

VABK Balance Sheet

VABK quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Total Assets	$1.6B+2.0%	$1.6B-1.8%	$1.6B+1.4%	$1.6B-17.7%	$2.0B+132.5%	$848.4M+20.7%	$702.6M+9.0%	$644.8M+0.1%	$643.9M+6.4%	$605.0M+6.6%	$567.5M+5.7%	$537.1M+4.7%	$513.0M
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$18.9M+3.3%	$18.3M-52.5%	$38.5M-11.5%	$43.5M-19.6%	$54.1M+35.0%	$40.1M
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0
Long-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0
Goodwill	$7.8M0.0%	$7.8M0.0%	$7.8M0.0%	$7.8M-4.6%	$8.1M+2088.2%	$372K0.0%	$372K0.0%	$372K0.0%	$372K0.0%	$372K	N/A	N/A	N/A
Total Liabilities	$1.5B+0.6%	$1.5B-2.4%	$1.5B+0.2%	$1.5B-17.7%	$1.8B+136.4%	$765.8M+22.2%	$626.5M+9.1%	$574.1M-0.8%	$578.8M+6.0%	$546.0M+6.8%	$511.2M+7.3%	$476.4M+4.7%	$455.0M
Total Equity	$184.2M+14.9%	$160.3M+4.7%	$153.0M+14.7%	$133.4M-17.6%	$162.0M+96.1%	$82.6M+8.5%	$76.1M+7.6%	$70.7M+8.7%	$65.1M+10.2%	$59.1M+4.9%	$56.3M-7.1%	$60.6M+4.5%	$58.0M
Retained Earnings	$94.2M+14.1%	$82.5M+11.8%	$73.8M+16.2%	$63.5M+36.7%	$46.4M+10.7%	$42.0M+12.7%	$37.2M-3.7%	$38.6M+1.9%	$37.9M+15.8%	$32.8M+16.3%	$28.2M+8.4%	$26.0M+4.7%	$24.8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.6B+0.2%	$1.6B+0.9%	$1.6B+2.0%	$1.6B-0.5%	$1.6B+3.9%	$1.6B+0.9%	$1.6B-1.8%	$1.6B+3.3%
Goodwill	$7.8M0.0%	$7.8M0.0%	$7.8M0.0%	$7.8M-0.4%	$7.8M-0.4%	$7.8M-0.4%	$7.8M0.0%	$7.8M0.0%
Total Liabilities	$1.4B-1.4%	$1.5B-0.4%	$1.5B+0.6%	$1.4B-1.4%	$1.5B+3.1%	$1.5B0.0%	$1.5B-2.4%	$1.4B+1.5%
Total Equity	$194.7M+14.0%	$186.5M+11.8%	$184.2M+14.9%	$177.4M+6.9%	$170.8M+10.8%	$166.8M+9.3%	$160.3M+4.7%	$165.9M+22.2%
Retained Earnings	$104.5M+19.4%	$97.5M+14.4%	$94.2M+14.1%	$90.1M+11.6%	$87.5M+12.3%	$85.2M+12.6%	$82.5M+11.8%	$80.8M+11.6%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

VABK Cash Flow Statement

VABK quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Operating Cash Flow	$23.3M	$21.3M+39.5%	$15.3M+10.0%	$13.9M-38.7%	$22.7M+73.6%	$13.1M+41.2%	$9.3M-1.0%	$9.3M-20.5%	$11.8M+33.7%	$8.8M+66.2%	$5.3M-4.5%	$5.5M-28.2%	$7.7M-10.6%	$8.6M
Depreciation & Amortization	N/A	$1.3M0.0%	$1.3M-13.3%	$1.5M-6.3%	$1.6M0.0%	$1.6M-15.8%	$1.9M+72.7%	$1.1M-1.5%	$1.1M-1.8%	$1.1M-3.6%	$1.2M+1.4%	$1.2M+1.1%	$1.2M-9.7%	$1.3M
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$30.0M-42.3%	$52.0M+48956.6%	$106K
Capital Expenditures	$595K	$582K-20.6%	$733K-37.4%	$1.2M+114.5%	$546K-57.8%	$1.3M+549.7%	$199K+5.3%	$189K-77.7%	$846K+82.7%	$463K-20.9%	$585K+59.4%	$367K-54.3%	$803K+73.8%	$462K
Free Cash Flow	$22.5M	$20.8M+42.6%	$14.6M+14.3%	$12.7M-42.5%	$22.1M+88.1%	$11.8M+30.0%	$9.1M-1.1%	$9.2M-16.1%	$10.9M+31.0%	$8.3M+77.0%	$4.7M-9.0%	$5.2M-25.1%	$6.9M-15.4%	$8.2M
Investing Cash Flow	$44.2M	$31.8M+101.8%	$15.8M+179.7%	-$19.8M+88.2%	-$167.2M-163.8%	$262.2M+301.8%	-$129.9M-137.3%	-$54.8M-1133.2%	-$4.4M+92.8%	-$61.3M-43.0%	-$42.9M	N/A	-$20.8M+44.2%	-$37.3M
Financing Cash Flow	-$28.6M	$381K+100.9%	-$42.3M-619.5%	-$5.9M+98.2%	-$324.2M-263.0%	$198.9M+45.9%	$136.3M+198.7%	$45.6M+779.1%	-$6.7M-120.8%	$32.3M-0.8%	$32.6M	N/A	$27.1M+984.7%	-$3.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$929K+25.2%	$742K	N/A
Share Buybacks	N/A	N/A	$559K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1.3M-80.1%	$6.3M+2320.6%	$262K	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$3.5M-48.0%	$7.2M+246.3%	$6.5M+94.3%	$6.0M-60.6%	$6.7M+205.0%	$2.1M-34.0%	$3.4M+4.7%	$15.2M+2517.4%
Capital Expenditures	$91K+250.0%	$207K-20.1%	$364K+98.9%	-$67K-45.1%	$26K-93.5%	$259K+735.5%	$183K-39.2%	$122K-66.9%
Free Cash Flow	$3.4M-49.2%	$7.0M+283.9%	$6.2M+94.1%	$5.9M-60.7%	$6.7M+198.5%	$1.8M-41.6%	$3.2M+9.3%	$15.1M+7037.0%
Investing Cash Flow	$16.5M+98.3%	$6.0M+245.3%	$6.1M+148.4%	$15.7M+138.5%	$8.3M-68.4%	$1.7M-96.0%	-$12.5M+78.1%	-$40.8M-982.1%
Financing Cash Flow	-$19.5M-220.0%	-$7.0M-180.4%	$34.9M+392.8%	-$37.1M-235.2%	-$6.1M+87.3%	$8.7M+130.0%	$7.1M-88.9%	$27.5M+263.9%
Share Buybacks	N/A	N/A	N/A	$0	$0-100.0%	$0-100.0%	$0	$0

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Dividends Paid.

VABK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

VABK quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Net Margin	33.4%	N/A	N/A	N/A	18.2%-8.0pp	26.2%+1.9pp	24.3%-5.4pp	29.8%+5.8pp	24.1%-0.1pp	24.2%+9.4pp	14.7%+5.3pp	9.5%-11.9pp	21.3%
Return on Equity	10.5%	N/A	N/A	N/A	6.2%-3.4pp	9.7%+0.9pp	8.8%-3.2pp	12.0%+1.9pp	10.1%+0.3pp	9.7%+4.2pp	5.5%+2.4pp	3.1%-8.8pp	11.9%
Return on Assets	1.2%	N/A	N/A	N/A	0.5%-0.4pp	0.9%0.0pp	0.9%-0.4pp	1.3%+0.3pp	1.0%+0.1pp	0.9%+0.4pp	0.5%+0.2pp	0.4%-1.0pp	1.3%
Debt-to-Equity	7.96-1.1x	9.09-0.7x	9.76-1.4x	11.170.0x	11.18+1.9x	9.27+1.0x	8.23+0.1x	8.11-0.8x	8.89-0.4x	9.25+0.2x	9.08+1.2x	7.860.0x	7.84
Asset Turnover	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.06
FCF Margin	36.0%+9.1pp	27.0%+5.0pp	21.9%-11.0pp	32.9%+11.7pp	21.2%-8.5pp	29.7%-3.6pp	33.3%-5.0pp	38.4%+7.8pp	30.6%+10.8pp	19.8%-4.6pp	24.4%-10.0pp	34.5%+9.2pp	25.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	45.5%+15.5pp	36.5%+4.6pp	39.7%	31.7%-2.4pp	30.0%-2.3pp	31.9%+4.1pp	N/A	34.1%+0.3pp
Return on Equity	4.6%+2.2pp	2.8%+0.1pp	3.2%	2.6%-0.2pp	2.5%-0.2pp	2.7%+0.3pp	N/A	2.8%-0.7pp
Return on Assets	0.5%+0.3pp	0.3%+0.1pp	0.4%	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	N/A	0.3%0.0pp
Debt-to-Equity	7.41-1.2x	7.84-1.0x	7.96-1.1x	8.06-0.7x	8.57-0.6x	8.80-0.8x	9.09-0.7x	8.73-1.8x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	17.3%-30.3pp	48.9%+35.9pp	41.0%+19.1pp	41.0%	47.6%+100.5pp	13.0%-10.9pp	21.9%-0.7pp	111.8%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Virginia Natl Bankshares Corp VABK	FY2025	$57.6M	$19.3M	33.4%	$259.9M	57/100
Lcnb Corp LCNB	FY2025	$92.0M	$23.1M	25.1%	$270.4M	54/100
First Community FCCO	FY2025	$79.0M	$19.2M	24.3%	$319.3M	52/100
Old Point Finl OPOF	FY2024	$85.8M	$9.5M	11.1%	$214.8M	44/100
First Utd Corp FUNC	FY2025	$88.7M	$24.5M	27.6%	$281.8M	55/100
Isabella ISBA	FY2025	$78.5M	$18.9M	24.1%	$297.6M	51/100

Where Virginia Natl Bankshares Corp Ranks

Frequently Asked Questions

What is Virginia Natl Bankshares Corp's annual revenue?

Virginia Natl Bankshares Corp (VABK) reported $57.6M in total revenue for fiscal year 2025. This represents a 6.7% 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 6.7% year-over-year, from $54.0M to $57.6M 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 33.4%.

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

Virginia Natl Bankshares Corp (VABK) had a net profit margin of 33.4% 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 $1.41 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.

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 P/E ratio?

Virginia Natl Bankshares Corp (VABK) trades at 10.5x earnings, its market capitalization divided by net income of $24.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $259.9M as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Virginia Natl Bankshares Corp's price-to-sales ratio?

Virginia Natl Bankshares Corp (VABK) trades at 4.1x sales, its market capitalization divided by revenue of $63.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $259.9M as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Virginia Natl Bankshares Corp (VABK) has a Piotroski F-Score of 4 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 57 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.