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 31, 2026 Currency USD FYE December

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).

Rhea AI VABK FY2025 2026-04-22

Profit improved mainly through lower funding costs and a thicker equity cushion, not through faster balance-sheet growth or heavy reinvestment needs.

FY2025 profit growth looks more like a funding-cost reset than expansion: revenue edged up to $77.2M while net income reached $19.3M. Interest expense fell to $25.7M from $29.6M, and operating cash flow moved above net income, so the earnings lift showed up in cash as well as reported profit.

The equity cushion thickened even though assets stayed near $1.6B, with total equity rising to $184.2M. That pushed debt-to-equity down to 8.0x from 9.8x, meaning the balance sheet relied a bit less on liabilities for each dollar of capital.

Capital spending is tiny relative to the franchise's scale: free cash flow was $20.8M after only $582K of capex. That helps explain how dividends per share could rise to $1.41 without requiring a larger asset base, because cash demands come more from funding movements than from physical reinvestment.

Financial Health Signals

Financial Profile 26/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

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 42/100.

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 82/100.

Returns

Virginia Natl Bankshares Corp's ROE of 10.5% shows moderate profitability relative to equity, earning a score of 34/100.

Piotroski F-Score Weak

3/9

Virginia Natl Bankshares Corp passes 3 of 9 financial strength tests. All 3 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

5Y CAGR+19.3%

10Y CAGR+20.0%

Virginia Natl Bankshares Corp reported $19.3M in net income in fiscal year 2025.

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

$1.41

YoY+6.8%

5Y CAGR+3.3%

10Y CAGR+14.2%

Virginia Natl Bankshares Corp paid $1.41 per share in dividends in fiscal year 2025. This represents an increase of 6.8% from the prior year.

Shares Outstanding

YoY+0.4%

5Y CAGR+14.7%

10Y CAGR+8.4%

Virginia Natl Bankshares Corp had 5M shares outstanding in fiscal year 2025. This represents an increase of 0.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.9%

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.

Return on Equity

10.5%

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

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-1.5%	$15.9M+0.2%	$15.9M-7.9%	$17.3M+7.0%	$16.1M+70.4%	$9.5M
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	N/A	N/A	N/A	$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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$18.9M-3.9%	$19.6M+0.8%	$19.5M+1.8%	$19.1M+0.7%	$19.0M-1.5%	$19.3M-0.6%	$19.4M+4.0%	$18.7M
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	$4.0M+0.4%	$4.0M+1.9%	$3.9M+1.2%	$3.9M-1.9%	$3.9M-5.4%	$4.2M+10.4%	$3.8M-2.1%	$3.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$6.0M-5.0%	$6.3M-1.8%	$6.4M+0.9%	$6.3M-5.5%	$6.7M-5.0%	$7.1M-4.3%	$7.4M-1.3%	$7.5M
Income Tax	$1.3M-21.6%	$1.6M+46.2%	$1.1M-6.2%	$1.2M+31.5%	$901K-29.9%	$1.3M+22.8%	$1.0M+12.7%	$929K
Net Income	$5.3M-11.7%	$6.0M+30.2%	$4.6M+8.0%	$4.2M-5.6%	$4.5M	N/A	$4.6M+10.6%	$4.2M
EPS (Diluted)	$0.97	N/A	$0.84+7.7%	$0.78-6.0%	$0.83	N/A	$0.85+10.4%	$0.77

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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.6B-0.1%	$1.6B+2.7%	$1.6B-1.7%	$1.6B+0.1%	$1.6B+1.1%	$1.6B+0.1%	$1.6B+2.6%	$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%	$7.8M0.0%	$7.8M0.0%	$7.8M-0.4%	$7.8M0.0%	$7.8M
Total Liabilities	$1.5B-0.3%	$1.5B+2.6%	$1.4B-2.4%	$1.5B-0.2%	$1.5B+0.7%	$1.5B+0.5%	$1.4B+2.1%	$1.4B
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	$186.5M+1.3%	$184.2M+3.8%	$177.4M+3.9%	$170.8M+2.4%	$166.8M+4.0%	$160.3M-3.4%	$165.9M+7.6%	$154.2M
Retained Earnings	$97.5M+3.5%	$94.2M+4.5%	$90.1M+3.0%	$87.5M+2.7%	$85.2M+3.3%	$82.5M+2.1%	$80.8M+3.6%	$78.0M

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	N/A	$559K	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$7.2M+11.0%	$6.5M+9.2%	$6.0M-11.3%	$6.7M+222.1%	$2.1M-37.7%	$3.4M-77.9%	$15.2M+336.5%	-$6.4M
Capital Expenditures	$207K-43.1%	$364K+643.3%	-$67K-357.7%	$26K-90.0%	$259K+41.5%	$183K+50.0%	$122K-69.3%	$397K
Free Cash Flow	$7.0M+14.2%	$6.2M+4.2%	$5.9M-11.9%	$6.7M+266.2%	$1.8M-42.3%	$3.2M-78.9%	$15.1M+320.9%	-$6.8M
Investing Cash Flow	$6.0M-1.6%	$6.1M-61.5%	$15.7M+89.3%	$8.3M+380.9%	$1.7M+113.8%	-$12.5M+69.3%	-$40.8M-255.5%	$26.2M
Financing Cash Flow	-$7.0M-119.9%	$34.9M+194.1%	-$37.1M-509.6%	-$6.1M-170.4%	$8.7M+22.0%	$7.1M-74.2%	$27.5M+157.2%	-$48.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	$0	$0	$0	$0	$0-100.0%	$533K

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%	N/A	N/A	N/A	20.9%-8.4pp	29.3%
Return on Equity	10.5%	N/A	N/A	N/A	6.2%-3.4pp	9.7%
Return on Assets	1.2%	N/A	N/A	N/A	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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	27.9%-2.5pp	30.3%+6.9pp	23.5%+1.3pp	22.1%-1.5pp	23.6%	N/A	23.7%+1.4pp	22.3%
Return on Equity	2.8%-0.4pp	3.2%+0.7pp	2.6%+0.1pp	2.5%-0.2pp	2.7%	N/A	2.8%+0.1pp	2.7%
Return on Assets	0.3%-0.0pp	0.4%+0.1pp	0.3%+0.0pp	0.3%-0.0pp	0.3%	N/A	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.84-0.1	7.96-0.1	8.06-0.5	8.57-0.2	8.80-0.3	9.09+0.4	8.73-0.5	9.21
FCF Margin	37.3%+5.9pp	31.4%+1.0pp	30.4%-4.7pp	35.1%+25.4pp	9.6%-6.8pp	16.4%-61.2pp	77.6%+114.1pp	-36.5%

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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 $1.41 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 Piotroski F-Score?

Virginia Natl Bankshares Corp (VABK) has a Piotroski F-Score of 3 out of 9, indicating weak 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 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 26 out of 100 on our Financial Profile, indicating weak 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.