VABKNasdaqNational Commercial BanksFiscal year ends December 31
Virginia National Bankshares Corp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$49.37−1.48 (-2.92%)
Close on Oct 19, 2026
- Market cap
- $269.33M
- P/E (TTM)
- 10.8
- Dividend yield
- 2.86%
Margins
Share of revenue, fiscal years 2012 to 2025
Net margin
33.4%+7.2 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +6.7% | -5.0% | +13.6% | +10.5% | |
| Net income | +13.5% | -6.3% | +19.3% | +20.0% | |
| EPS, diluted | +12.7% | -6.8% | +3.8% | +11.2% | |
| Free cash flow | +42.6% | -2.1% | +18.0% | +14.9% | |
| Dividend per share | +6.8% | +5.5% | +3.3% | +14.2% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.0% | 10.1% | 11.2% | |
| Return on assets | 1.0% | 1.0% | 1.2% | |
| Capex to revenue | 2.5% | 0.7% | 1.0% | |
| Diluted shares | 2M | 3M | 5M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Virginia National Bankshares generated $86.28M from operations and spent $4.88M on capital expenditure, dividends and share buybacks. 89% of that went back into the business.
Generated
$86.28M
Used
$4.88M
Capital expenditure$4.33M89%Dividends$00%Share buybacks$559.00K11%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin33.4%
×Asset turnover0.04×
×Equity multiplier9.48×
=Return on equity, FY202511.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 33.4% | 0.04× | 9.48× | 11.2% |
| FY2024 | 31.4% | 0.03× | 10.41× | 10.8% |
| FY2023 | 33.2% | 0.04× | 11.41× | 13.4% |
| FY2022 | 34.9% | 0.04× | 12.17× | 15.9% |
| FY2021 | 18.2% | 0.04× | 11.53× | 8.2% |
| FY2020 | 26.2% | 0.04× | 9.77× | 10.1% |
| FY2019 | 24.3% | 0.04× | 9.18× | 9.1% |
| FY2018 | 29.8% | 0.04× | 9.49× | 12.5% |
| FY2017 | 24.0% | 0.04× | 10.06× | 10.6% |
| FY2016 | 24.2% | 0.04× | 10.16× | 10.0% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$19.26M
- Cash generatingOperating cash flow above zero$21.33M
- Return on assets improvedROA up on the prior year1.0% → 1.2%
- Earnings backed by cashOperating cash flow above net income$21.33M vs $19.26M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise5M → 5M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04