Virginia National Bankshares (VABK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Virginia National Bankshares

NasdaqCM•Financial Services•Banks - Regional

$47.96-0.46(-0.01%)Market open

Market Cap

$256.32M

P/E

10.3x

P/S

4.0x

P/B

1.3x

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking products and services in Virginia. It operates through two segments: Bank and VNB Trust and Estate Services. The company 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 loans, real estate construction and land loans, commercial real estate loans, 1-4 family residential mortgages, and commercial 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; merchant and debit card services; and investment advisory and management services. Further, the company offers investment management, wealth management, corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custody services. It serves individuals, businesses, and charitable organizations. The company was formerly known as Virginia National Bank and changed its name to Virginia National Bankshares Corporation in December 2013. The company was founded in 1998 and is headquartered in Charlottesville, Virginia.

How this company scores

WeakMetricSide Score: 76/100

Grade capped at D — Interest coverage below 1× (0.9x) — earnings cannot cover interest. Strongest: Growth (22/25); weakest: Cash & Earnings Quality (16/25).

Profitability20/25

Growth22/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality16/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.9x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.3x5y range 7.0x – 25.8x

Currently near its 20-quarter median.

P/S · 4.0x5y range 2.5x – 4.3x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.0x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $256.32M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $63.62M
Q. Revenue: $19.78M
TTM EBITDA: $23.29M
TTM Op. Income: $20.54M
Q. Op. Income: $5.25M
TTM Net Income: $24.80M
Q. Net Income: $9.01M
EPS: $1.66
Shares Out.: $5.42M

$63.62M in TTM revenue grew 13.3% YoY, reaching $19.78M last quarter. TTM EBITDA of $23.29M and TTM operating income of $20.54M show growth is flowing through to the bottom line. TTM net income of $24.80M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 70.9%
EBITDA Margin: 29.3%
Op. Margin: 26.5%
Net Margin: 45.5%

Op. margin of 26.5% is down 2.6% YoY — costs are rising relative to revenue. Net margin at 45.5% and gross margin of 70.9% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.3x
P/S Ratio: 4.0x
P/B Ratio: 1.3x

At 10.3x P/E, the stock trades below typical market levels. P/S of 4.0x and P/B of 1.3x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.64B
Cash: $77.35M
Long-Term Debt: $3.58M
Book Value: $194.69M
D/E Ratio: 0.0
Debt/EBITDA: 0.6

With $1.64B in assets and $3.58M in long-term debt, D/E is 0.0and book value is $194.69M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $3.50M
TTM Free Cash Flow: $22.66M
FCF Margin: 35.6%
FCF / Net Income: 0.9

TTM FCF of $22.66M on $3.50M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 15% — a weakening trend.