Virginia National Bankshares Corporation

VABK | NASDAQ

Price Alert Chart Builder DCF Calculator

$48.22

+$1.15 (+2.44%)

At close: Sep 21, 2026, 4:00 PM ET

$48.22

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $261.47M

Enterprise Value $254.82M

Beta 0.46

Average Volume 6.99K

Shares Outstanding (Diluted) 5.46M

Shares Change YoY 0.83%

Institutional Ownership 49.91%

Exchange NASDAQ

ISIN US9280311039

Price Performance

Price Change 1M 2.8%

Price Change 3M 8.1%

Price Change 6M 25.8%

Price Change YTD 21.5%

Price Change 1Y 21.7%

Price Change 3Y 34.3%

Price Change 5Y 32.1%

1M CAGR (ann.) 1.4%

1Y CAGR (ann.) 24.0%

5Y CAGR (ann.) 9.4%

All-Time CAGR 3.9%

Valuation

PE Ratio 10.57

Forward PE N/A

PEG Ratio 0.28

Forward PEG 0.28

PS Ratio 3.52

Forward PS N/A

PB Ratio 1.34

P/FCF Ratio 9.99

P/Adj. FCF Ratio 10.10

P/OCF Ratio 11.24

EV/Sales 3.43

EV/EBIT 8.20

EV/EBITDA 8.04

EV/FCF 9.74

Earnings Yield 9.5%

FCF Yield 10.0%

Adj. FCF Yield 9.9%

Financial Health

Net Cash $12.13M

Total Debt $29.05M

Cash & Short-Term Investments $35.71M

Total Assets $1.64B

Current Ratio 0.02

Quick Ratio 0.02

Debt / Equity Ratio 0.15

Debt / EBITDA 0.92

Debt / FCF 1.11

OCF / Debt 0.91

Interest Coverage 1.27

Altman Z-Score -0.71

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 72.1%

Operating Profit Margin 41.8%

EBITDA Margin 36.0%

Net Profit Margin 28.2%

FCF Margin 35.2%

Adj. FCF Margin 34.8%

SBC / Revenue 0.1%

SBC Impact (per share) -1.1%

Returns

Return on Assets 1.5%

Return on Equity 13.4%

Return on Invested Capital -1.9%

Return on Capital Employed 14.9%

Return on Tangible Assets 1.5%

Historical Growth (CAGR)

Revenue CAGR 3Y -0.5%

Revenue CAGR 5Y 11.9%

Revenue CAGR 10Y 12.5%

EPS CAGR 3Y 0.2%

EPS CAGR 5Y 15.4%

EPS CAGR 10Y 9.5%

FCF CAGR 3Y 10.0%

FCF CAGR 5Y 23.0%

FCF CAGR 10Y 16.6%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 28, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $60.69

Graham Upside 25.9%

Lynch Fair Value $70.13

Lynch Upside 45.4%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $26.49M

Free Cash Flow $26.17M

Adj. Free Cash Flow $25.89M

FCF Per Share $4.27

OCF Per Share $4.29

OCF/S Ratio 26.4%

Income Statement

Revenue $74.36M

Gross Profit $55.75M

Operating Income $31.08M

EBITDA $31.69M

Net Income $24.8M

EPS (Diluted) $4.56

Revenue / Employee $516.38K

Profit / Employee $172.23K

Employees 144

Dividends

Annual Dividend $1.44

Dividend Yield 2.99%

Payout Ratio 31.6%

FCF Payout Ratio 29.7%

Adj. FCF Payout Ratio 30.0%

Dividend Growth (YoY) 4.3%

Pay Frequency Quarterly

Ex-Dividend Date Aug 13, 2026