# Virginia National Bankshares Corporation (VABK)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $242M  
**Price:** $44.67 (+2.93%)

> Virginia National Bankshares Corporation is a financial holding company. Its primary function is to oversee its subsidiary, Virginia National Bank, which is engaged in providing a range of banking and financial services to individual and business clients. The company's services encompass personal banking, commercial lending, and wealth management solutions. Notably, it plays a significant role in supporting the financial needs of communities within its operating regions across Virginia.

The corporation’s offerings include standard banking products such as checking and savings accounts, as well as more specialized financial instruments like loans, mortgages, and customized investment management services. Its impact extends across diverse sectors including retail banking, commercial real estate, and small business support, reflecting its comprehensive approach to financial services.

As a regional player, Virginia National Bankshares Corporation holds a position of importance within the local financial market. By focusing on personalized banking experiences and community involvement, it contributes to the economic development and financial stability of its service areas.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $77M | — | — | $19M | — |
| 2024 | $76M | — | — | $17M | — |
| 2023 | $70M | — | — | $19M | — |
| 2022 | $57M | — | — | $23M | — |
| 2021 | $48M | — | — | $10M | — |
| 2020 | $27M | — | — | $8M | — |
| 2019 | $26M | — | — | $7M | — |
| 2018 | $26M | — | — | $8M | — |
| 2017 | $23M | — | — | $7M | — |
| 2016 | $19M | — | — | $6M | — |
| 2015 | $17M | — | — | $3M | — |
| 2014 | $15M | — | — | $2M | — |
| 2013 | $15M | — | — | $7M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $1.65B | $1.47B | $184M | — | — |
| 2024 | $1.62B | $1.46B | $160M | — | — |
| 2023 | $1.65B | $1.49B | $153M | — | — |
| 2022 | $1.62B | $1.49B | $133M | — | — |
| 2021 | $1.97B | $1.81B | $162M | — | — |
| 2020 | $848M | $766M | $83M | — | — |
| 2019 | $703M | $627M | $76M | — | — |
| 2018 | $645M | $574M | $71M | $19M | — |
| 2017 | $644M | $579M | $65M | $18M | — |
| 2016 | $605M | $546M | $59M | $39M | — |
| 2015 | $567M | $511M | $56M | $44M | — |
| 2014 | $537M | $476M | $61M | $54M | — |
| 2013 | $513M | $455M | $58M | $40M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $21M | $582,000 | $21M |
| 2024 | $15M | $733,000 | $15M |
| 2023 | $14M | $1M | $13M |
| 2022 | $23M | $546,000 | $22M |
| 2021 | $13M | $1M | $12M |
| 2020 | $9M | $199,000 | $9M |
| 2019 | $9M | $189,000 | $9M |
| 2018 | $12M | $846,000 | $11M |
| 2017 | $9M | $463,000 | $8M |
| 2016 | $5M | $585,000 | $5M |
| 2014 | $8M | $803,000 | $7M |
| 2013 | $9M | $462,000 | $8M |

Source: [CompaniesByCap](https://companiesbycap.com/company/VABK)