Virginia National Bankshares Corporation (VABK) Stock

Virginia National Bankshares Corporation (VABK) is a Financials stock trading at $45.15 (as of 2026-07-24), with a market capitalization of $244.83M and a trailing P/E of 13.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Virginia National Bankshares Corporation is a holding company for Virginia National Bank, offering commercial banking services such as deposit accounts and lending for commercial, real estate construction and land, and residential mortgages, along with payment and cash management services. It also provides wealth, trust and estate services, and related investment and insurance offerings for individuals and businesses.

Understand Virginia National Bankshares Corporation: how it makes money

Virginia National Bankshares Corporation is a bank holding company that provides commercial banking services through checking and deposit products, commercial and real estate lending, and related trust and advisory services, earning money primarily from its lending and deposit-based banking activities.

As a commercial bank, its profit engine depends on how much it earns on loans versus what it pays for deposits, with credit quality (nonperforming and past-due loans) shaping losses and provisions.

Business quality (Solid): Credit quality indicators look relatively contained, and the quarter shows a solid operating margin, but some past-due lending and a fairly high loan-to-deposit ratio suggest funding and credit must stay stable.

Valuation: At 12× earnings, VABK trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Nonperforming Assets are low: Nonperforming Assets are 0.01 USD_B (and Loans in Non-Accrual Status are 0.0 USD_B), which supports a view of contained credit stress in the latest quarter.
Liquidity and flexibility: Unused Borrowing Facilities are 0.23 USD_B and Deposit Balances Held in Insured Cash Sweep Plans are 0.19 USD_B, suggesting available funding sources and managed deposit structure.
Profitability in the quarter: Operating margin is 34.6 for the period ended 2026-03-31.

Bear case

Some loans are past due: Loans 90 Days or More Past Due and Still Accruing Interest are 0.01 USD_B, which can be an early sign of credit deterioration even when classified as still accruing.
Non-accrual activity exists: Non-Accrual Loan Count is 12.0, indicating there is still a meaningful count of loans in non-accrual status that could drive future credit costs.
Funding intensity: Loan-to-Deposit Ratio is 86.7 percent, which can imply the bank is funding a higher share of loans with deposits, leaving less buffer if deposit growth slows.

Valuation — source: SEC EDGAR (first-party)
Price	$45.15
Market Cap	$244.83M
P/E Ratio	13.2
EV / EBITDA	11.5
Price / Book	1.31
Price / Sales	3.20
FCF Yield	13.1%
DCF Value (model)	$67.77
DCF Upside vs Price	50.1%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$77.25M
Net Margin	24.9%
Revenue Growth (YoY)	1.7%
EPS Growth (YoY)	13.0%
FCF Growth (YoY)	42.6%

Valuation vs Sector & Industry
Stock P/E	13.2
Sector P/E (Financials)	15.4
Industry P/E (Banking)	13.4
vs Sector	-14.3%
vs Industry	-1.7%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	ENDEAVOUR CAPITAL ADVISORS INC ($11.41M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Glenn W. Rust
Employees	239
Country	US
IPO Date	1999-05-04

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-07-24.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.