Virginia National Bankshares (VABK) Stock Price, News & Analysis

Company Overview

Virginia National Bankshares, Inc. is a bank holding company headquartered in Virginia. Through its wholly owned subsidiary, Virginia National Bank, the company offers a full suite of commercial and consumer banking services across its regional footprint.

Its product lineup includes traditional deposit accounts such as checking, savings, money market and certificate of deposit offerings. On the lending side, Virginia National Bank provides commercial loans, business lines of credit, residential and commercial real estate mortgages, construction financing and consumer installment loans. Complementary treasury management and merchant services help small and mid-sized businesses optimize cash flow and streamline payment processing.

Beyond its branch network, the bank delivers digital banking solutions through robust online and mobile platforms. Customers can manage accounts, transfer funds, pay bills and deposit checks remotely. The institution also supports trust and wealth management services, offering fiduciary account administration, investment advisory solutions and retirement planning tailored to individual and corporate clients.

Virginia National Bank operates multiple offices throughout Northern Virginia, serving communities in Fairfax, Loudoun and Prince William counties. With a focus on personalized service and community engagement, the bank strives to foster long-term relationships and support local economic development through targeted small business lending and financial education initiatives.

Key Stats

• Today's Range: $45.75 to $46.44
• 50-Day Range: $40.42 to $47.45
• 52-Week Range: $36.60 to $48.76
• Volume: 2,314 shs
• Average Volume: 8,016 shs
• Market Capitalization: $250.06 million
• P/E Ratio: 10.12
• Dividend Yield: 3.12%
• Price Target: N/A
• Consensus Rating: Hold

Virginia National Bankshares Stock Analysis - MarketRank™

Virginia National Bankshares scored higher than 19% of companies evaluated by MarketBeat, and ranked 780th out of 849 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Virginia National Bankshares has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Virginia National Bankshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Virginia National Bankshares is 10.24, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.39.

Price to Earnings Ratio vs. Sector

The P/E ratio of Virginia National Bankshares is 10.24, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 28.82.

Price to Book Value per Share Ratio

Virginia National Bankshares has a P/B Ratio of 1.35. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

1.03% of the float of Virginia National Bankshares has been sold short.

Short Interest Ratio / Days to Cover

Virginia National Bankshares has a short interest ratio ("days to cover") of 10.95, which indicates bearish sentiment.

Change versus previous month

Short interest in Virginia National Bankshares has recently increased by 11.59%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Virginia National Bankshares pays a meaningful dividend of 3.14%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Virginia National Bankshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Virginia National Bankshares is 31.58%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Virginia National Bankshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

14.38% of the stock of Virginia National Bankshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

37.39% of the stock of Virginia National Bankshares is held by institutions.

Company Calendar

• Record date for 5/29 Dividend: 5/13/2026
• Ex-Dividend for 5/29 Dividend: 5/13/2026
• Dividend Payable: 5/29/2026
• Last Earnings: 7/23/2026
• Today: 8/04/2026
• Record date for 8/28 Dividend: 8/14/2026
• Ex-Dividend for 8/28 Dividend: 8/14/2026
• Dividend Payable: 8/28/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:VABK
• CIK: 1572334
• Web: www.vnb.com
• Phone: 434-817-8621
• Fax: N/A
• Employees: 170
• Year Founded: 1998

Profitability

• EPS (Trailing Twelve Months): $4.56
• Trailing P/E Ratio: 10.12
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $19.26 million
• Net Margins: 28.18%
• Pretax Margin: 30.41%
• Return on Equity: 13.58%
• Return on Assets: 1.52%

Debt

• Debt-to-Equity Ratio: 0.11
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $83.34 million
• Price / Sales: 3.00
• Cash Flow: $4.49 per share
• Price / Cash Flow: 10.27
• Book Value: $34.15 per share
• Price / Book: 1.35

Miscellaneous

• Outstanding Shares: 5,420,000
• Free Float: 4,643,000
• Market Cap: $250.06 million
• Optionable: Not Optionable
• Beta: 0.45