Virginia National Bankshares Corp (VABK)

Financial Services Banks - Regional

46.60 $

+1.8% vs. previous close

Closing price · As of: 3. Aug 2026

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Breakout & Setup

ATH Strong DCR (≥80)

Dividends

Dividend Nobility (4 Criteria)

Momentum & Trend

21-EMA Trend Above 21-EMA Pullback Above the 50- & 200-SMA Power Trend Stan Weinstein: Stage 2

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Trading Day

Previous Close

45.80$

Open

46.20$

Day High

48.70$

Day Low

46.00$

Volume

12,956shares

Key levels of the most recently completed trading day — not a live quote.

52-Week Range

52-Week Low 52-Week High

36.70 $ 47.50 $

08/07/2025 07/16/2026

Current price 46.60 $ — 92% of the range above the low.

Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.

Basics

Market Cap

0.3$B

Shares Outstanding

5Mio.

Float

79.9%

Beta

0.5

Performance

Perf. 1M

3.20%

Perf. 3M

16.30%

Perf. 6M

10.00%

YTD Performance (%)

13.90%

52-Week-High Distance

-6.4%

Perf. 1Y

31.91%

Perf. 3Y

39.31%

Perf. 5Y

46.28%

Perf. 10Y

195.39%

Perf. Since Inception

599.47%

Technical Indicators

MA 38 Days

45.00$

MA 50 Days

44.40$

MA 200 Days

41.40$

RSI (14)

59.7

Volatility 30 Days

27.7%

Volatility 250 Days

30.9%

Calculated from the price history · as of 08/04/2026

Valuation

P/E

12.6

Forward P/E

0.0

PEG

–

P/B

1.4

P/S

3.0

EV/EBITDA

0.0

Price/FCF

9.6

Profitability

Gross Margin

100.0%

EBIT Margin

–

Net Margin

39.1%

Return on Equity

11.3%

Return on Assets

1.5%

Balance Sheet & Safety

Equity Ratio

–

Debt/Equity

0.2

Altman Z″

-1.94

Piotroski

6 out of 9

Growth

Sales Growth Last Quarter

3.60%

EPS Growth Last Quarter

16.90%

Sales Growth (Year)

0.88%

Forward Sales Growth

–

Forward EPS Growth

–

Dividend

Dividend Yield

3.14%

Dividend Per Share (TTM)

1.44$

Payout Ratio

31.6%

Years Without a Cut

12Years

Increase Streak

1Years

Quality & Screener

Stage

RS Rating

EPS Rating

Piotroski

6 out of 9

Fundamental Rating

B (57 out of 100)

Altman Z″

-1.94

AAQS

5/10

The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).

Sales growth 10Y > 5% 14.6%
Exp. sales growth 3Y > 5% –
EBIT growth 10Y > 5% 12.5%
Exp. EBIT growth 3Y > 5% –
Net debt < 4x EBIT -1.3x
EBIT positive, 10Y straight 10
Max. EBIT decline < 50% 26.8%
Return on equity > 15% 11.1%
ROCE > 15% 11.0%
Expected return > 10% –

View all AAQS quality stocks · Read the methodology at AlleAktien

Source: fundamental data

AI Rating

–

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Growth Score

5 of 10 Solid growth

Ten checks against the annual reports — each one passed counts a point.

Revenue grows by more than 15% a year over three years 6.0% failed
More than 10% revenue growth is expected for the coming year no data
Share count grows by less than 3% a year 0.4% passed
Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 25.8% failed
Gross margin at 40% or higher and without meaningful erosion 69.0% failed
Goodwill from acquisitions does not grow faster than revenue 0.5% passed
Net debt below twice EBITDA 30 m net cash passed
Operating cash flow covers the profits of the last three years -5 m failed
Return on capital at 15% or higher, or up versus two years ago 11.1% passed
Insiders hold at least 10% or are net buyers 12.7% passed

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail

Next Reporting Date

29. Oct 2026 · after the close · Q3 2026

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

From To Indexed

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Sales Per Quarter ($M)

Source: fundamental data

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Quarterly Figures

Quarterly Figures
Quarter	EPS (Earnings Per Share)	EPS YoY (%)	Sales ($M)	Sales YoY (%)	Net Margin (%)	OCF ($M)	FCF ($M)
2024: Q4	0.84	44.00	21	4.10	21.70	3	3
2025: Q1	0.83	23.10	21	2.00	21.60	2	2
2025: Q2	0.78	1.90	20	0.50	20.70	7	7
2025: Q3	0.84	-0.50	21	-0.20	22.00	6	6
2025: Q4	1.10	30.60	21	1.20	28.00	7	6
2026: Q1	0.97	17.20	20	-1.90	25.80	7	7

What Do These Terms Mean?

EPS (Earnings Per Share):: Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):: Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:: All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:: What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):: The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):: Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Annual Figures

Annual Figures
Fiscal Year	Revenue ($M)	EBIT ($M)	Net Income ($M)	EPS ($)	Operating Cash Flow ($M)	Equity ($M)	Total Assets ($M)
2016	24	8	6	2.19	5	59	605
2017	28	11	7	2.46	9	65	644
2018	31	11	8	3.15	12	71	645
2019	32	8	7	2.49	9	76	703
2020	34	10	8	2.95	9	83	848
2021	59	12	10	1.90	13	162	1,972
2022	70	29	23	4.38	23	133	1,623
2023	79	23	19	3.59	14	153	1,646
2024	83	21	17	3.15	15	160	1,617
2025	83	24	19	3.55	21	184	1,650

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

About the Company

Virginia National Bankshares Corporation ist die Holdinggesellschaft der Virginia National Bank, die in Virginia eine Reihe gewerblicher und privater Bankprodukte und -dienstleistungen anbietet. Sie ist in zwei Segmenten tätig: Bank und VNB Trust and Estate Services.

Employees	140
Headquarters	Charlottesville, VA
Address	404 People Place, 22911 Charlottesville, United States
Phone	434 817 8621
Website	vnb.com
IPO Date	16. Nov 1998
ISIN	US9280311039
Stock Split	105:100 on 04/02/2018

Management

Management
Name	Title	Birth Year
Glenn W. Rust	President, CEO & Director	1956
Larry K. Pitchford	EVP & Chief Human Resources Officer	1965
Virginia R. Bayes	Executive VP, Corporate Secretary & Chief Banking Officer	1961
Cathy W. Liles CAP	EVP & Chief Financial Officer	1965

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.