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: $39.71 to $41.98
• 50-Day Range: $36.60 to $42.35
• 52-Week Range: $33.66 to $44.57
• Volume: 39,084 shs
• Average Volume: 41,428 shs
• Market Capitalization: $217.49 million
• P/E Ratio: 12.19
• Dividend Yield: 3.57%
• Price Target: N/A
• Consensus Rating: N/A

Virginia National Bankshares Stock Analysis - MarketRank™

Virginia National Bankshares scored higher than 36% of companies evaluated by MarketBeat, and ranked 716th out of 922 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Virginia National Bankshares.

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 12.19, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 277.58.

Price to Earnings Ratio vs. Sector

The P/E ratio of Virginia National Bankshares is 12.19, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.29.

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: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.43% 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 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Virginia National Bankshares has recently increased by 23.46%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Virginia National Bankshares is a leading dividend payer. It pays a dividend yield of 3.55%, putting its dividend yield in the top 25% of dividend-paying stocks.

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 43.50%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.43% 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 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Virginia National Bankshares has recently increased by 23.46%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.5 / 5
• News Sentiment: N/A

News Sentiment

Virginia National Bankshares has a news sentiment score of 1.47. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.96 average news sentiment score of Finance companies.

Company Ownership

• Score: 0.8 / 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

13.96% 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

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

VABK Stock Analysis - Frequently Asked Questions

How have VABK shares performed this year?

Virginia National Bankshares' stock was trading at $38.20 at the beginning of 2025. Since then, VABK stock has increased by 5.6% and is now trading at $40.35.

How were Virginia National Bankshares' earnings last quarter?

Virginia National Bankshares Corporation (NASDAQ:VABK) announced its earnings results on Thursday, July, 24th. The company reported $0.78 EPS for the quarter. The firm earned $14.11 million during the quarter. Virginia National Bankshares had a net margin of 21.39% and a trailing twelve-month return on equity of 10.78%.

Who are Virginia National Bankshares' major shareholders?

Virginia National Bankshares' top institutional shareholders include The Manufacturers Life Insurance Company (4.00%), Geode Capital Management LLC (2.09%), Elizabeth Park Capital Advisors Ltd. (1.49%) and Raffles Associates LP (0.35%). Insiders that own company stock include William D Jr Dittmar, Glenn W Rust, John Buchanan Adams Jr, Virginia R Bayes, Gregory L Wells, Linda M Houston, Randolph D Frostick and Jay B Keyser.
View institutional ownership trends.

How do I buy shares of Virginia National Bankshares?

Shares of VABK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Virginia National Bankshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Virginia National Bankshares investors own include Tesla (TSLA), JPMorgan Chase & Co. (JPM), Meta Platforms (META), NVIDIA (NVDA), Advanced Micro Devices (AMD), Netflix (NFLX) and Home Depot (HD).

Company Calendar

• Last Earnings: 7/24/2025
• Record date for 8/29 Dividend: 8/15/2025
• Ex-Dividend for 8/29 Dividend: 8/15/2025
• Dividend Payable: 8/29/2025
• Today: 9/05/2025
• Next Earnings (Estimated): 10/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

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

Profitability

• EPS (Trailing Twelve Months): $3.31
• Trailing P/E Ratio: 12.19
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $16.97 million
• Net Margins: 21.39%
• Pretax Margin: 26.67%
• Return on Equity: 10.78%
• Return on Assets: 1.10%

Debt

• Debt-to-Equity Ratio: 0.36
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $83.52 million
• Price / Sales: 2.60
• Cash Flow: $4.24 per share
• Price / Cash Flow: 9.51
• Book Value: $29.85 per share
• Price / Book: 1.35

Miscellaneous

• Outstanding Shares: 5,390,000
• Free Float: 4,639,000
• Market Cap: $217.49 million
• Optionable: Not Optionable
• Beta: 0.44