profit from every $100 of sales.
$0$100
Virginia National Bankshares
$53.61+0.55% today
+30.4% in 1 year
1-year low $38.131-year high $53.61
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $15.11 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Virginia National Bankshares sold, what it kept, and what it did with the cash.
Sales went from $66.8 million in 2022 to $57.6 million in 2025, with $19.3 million of profit last year.
SalesProfit
Virginia National Bankshares handed back 37% of the cash it generated last year.
$8M
Free cash flow 2025$21M
Bought back its own shares$0
Paid as dividends$8M
Cash vs. debt$16M vs. $30M
Virginia National Bankshares vs. similar companies
Virginia National Bankshares grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Virginia National Bankshares | 15.1× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Virginia National Bankshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 67 | 58 | 53 | 58 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 23 | 19 | 17 | 19 | |
| 4.38 | 3.58 | 3.15 | 3.55 | |
| – | – | – | – | |
| – | – | – | – | |
| 35.1% | 33.2% | 32.0% | 33.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,623 | 1,646 | 1,617 | 1,650 |
| Cash | 40 | 28 | 17 | 16 |
| Total debt | 10 | 76 | 29 | 30 |
| Total liabilities | 1,490 | 1,493 | 1,457 | 1,466 |
| 133 | 153 | 160 | 184 | |
| 5 | 5 | 5 | 5 | |
| – | – | – | – | |
| 17.6% | 12.6% | 10.6% | 10.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 23 | 14 | 15 | 21 | |
| 1 | 1 | 1 | 1 | |
| 22 | 13 | 15 | 21 | |
| Dividends paid | 6 | 7 | 7 | 8 |
| – | 0 | 1 | 0 | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 15.1×
- –
- –
- 1.3×
- 5.1×
- 6.6%
- 3.3%
Profitability
- 33.4%
- 41.1%
- 9.7%
- 11.1%
- 1.2%
Growth
- −4.8%
- −6.8%
- +3.3%
- +0.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 2%of 748
Top 33%of 603
Bottom 46%of 873
Bottom 15%of 883
Top 37%of 933
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.97 | – | – |
| Jan 29, 2026 | 1.10 | – | – |
| Oct 23, 2025 | 0.84 | – | – |
| Jul 24, 2025 | 0.78 | – | – |
| Apr 24, 2025 | 0.83 | – | – |
| Jan 23, 2025 | 0.85 | – | – |
| Oct 17, 2024 | 0.85 | – | – |
| Jul 19, 2024 | 0.77 | – | – |
3.3%of the share price, paid each year
On $1,000 invested$33a year at today's yield, before tax
+3.3%2020 to 2025
Raised1 yearin a row, in our data
Paid per share, each year
$0.36 in 2015 → $1.41 in 2025
How safe it looks
39.5% of its profit
Room to growStretchedMore than it earns: 36.6%
News
Nvidia weighs playing the cosigner for Nscale’s AI data center in West VirginiaYahoo Finance · Oct 31, 2026Virginia governor says will not support NextEra-Dominion merger without six-year rate freezeSeeking Alpha · Oct 19, 2026Virginia tech firm's CEO, Russian national charged with hiding firm's Russian ties from U.S. governmentCNBC · Sep 25, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
62Pass
Benjamin Graham
71Pass
Philip Fisher
63Pass
Peter Lynch
32No pass
Joel Greenblatt
70Pass
Charlie Munger
73Pass
Terry Smith
67Pass
Questions about Virginia National Bankshares
Is Virginia National Bankshares a good stock to buy?
A strong, very profitable business at a fair price. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Virginia National Bankshares AI analysis
What does Virginia National Bankshares do?
Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial banking services. The company operates through four segments: Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. It is in Banks - Regional.
Does Virginia National Bankshares pay a dividend?
Yes. At today's price the dividend is 3.3% a year, about 39% of its yearly profit. In 2025 it paid out $7.60 million in dividends.
Is Virginia National Bankshares stock halal?
No. Virginia National Bankshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Virginia National Bankshares stock done over the past year?
Up 30.4% over the past twelve months, to $53.61. It traded between $38.13 and $53.61, close to its high.
Who are Virginia National Bankshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Virginia National Bankshares's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.