Virginia National Bankshares Corporation

NASDAQ•VABK

CEO: Mr. Glenn Wilfred Rust

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1999-05-04

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking services. The company operates through Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital segments. It provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. In addition, the company offers commercial and industrial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. Further, it provides automated teller machines, internet banking, treasury, and cash management services; merchant and debit card services; and wealth and investment advisory, and brokerage services. Additionally, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations in the Charlottesville/Albemarle County, Fauquier County, Manassas, Prince William County, Richmond, and Winchester market areas in Virginia. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia.

Contact Information

404 People Place, Charlottesville, VA, 22911, United States

434-817-8621

www.vnb.com

Market Cap

$208.50M

P/E (TTM)

10.8

14.6

Dividend Yield

3.7%

52W High

$44.57

52W Low

$34.12

52W Range

43%

Rank38Top 36.9%

4.3

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.3 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$21.30M+1.25%

4-Quarter Trend

EPS

$1.10+29.41%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

FTE NIM Expansion Strong Quarterly FTE Net Interest Margin hit 3.43%, up 19 bps, driven by 45 bps decrease in interest-bearing deposit costs.

Nine-Month Income Growth Nine-month net income rose to $13.303M, resulting in diluted EPS of $2.45, compared to $2.30 last year.

Asset Quality Remains Stable ACL to total loans was 0.69% ($8.510M reserve); nonaccrual loans represented 0.21% of the $1.235B portfolio.

Strong Capital Position Tangible book value per share increased to $30.90; Company Tier 1 capital ratio stood strong at 19.30%.

Risk Factors

Noninterest Income Declines Quarterly noninterest income fell 7.0% ($101K decrease), primarily due to lower debit/ATM fees post-Masonry Capital sale.

Sequential Deposit Contraction Total deposits decreased $38.7M sequentially to $1.385B, partially offset by $10.0M in new borrowings.

Provisioning Reverses Recovery Q3 2025 recorded $332K provision, reversing Q3 2024's $114K recovery, driven by construction commitment reserves.

Loan Growth Stagnant Total loans remained flat sequentially at $1.235B despite $59.3M in organic production during nine months.

Outlook

NIM Management Focus Management continues solid asset liability strategies to manage interest rate risk and sustain favorable net interest margin.

Credit Quality Monitoring ACL is deemed adequate, but management acknowledges potential future increases if economic conditions deteriorate further.

Expense Efficiency Focus Focus remains on operational efficiencies to partially offset increases in franchise tax and costs related to special projects.

Capital Deployment Prudent Capital levels managed via dividends and prudent share repurchases, maintaining strong regulatory capital ratios above minimums.

Peer Comparison

Revenue (TTM)

CFFI

$183.79M

+10.1%

ISTR

$153.49M

-1.9%

FSFG

$146.33M

+8.9%

Gross Margin (Latest Quarter)

OVLY

95.9%

+11.9pp

CBNA

91.8%

+0.4pp

LCNB

72.6%

+10.6pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
OVLY	$268.00M	11.0	12.7%	0.0%
ISTR	$266.30M	11.6	8.3%	5.4%
FVCB	$265.70M	12.0	8.9%	0.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

0.9%

Moderate Growth

4Q Net Income CAGR

9.9%

Profitability Improving

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 22, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data