Stocks · Financial Services · Banks - Regional
Virginia National Bankshares Corporation VABK
$47.06 -1.86% Close, Oct 2, 2026 · NASDAQ · Market cap $255.2M
Inexpensive vs sector
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 35.3% from 26.8% a year earlier.
- Diluted EPS over the last four quarters was $4.56, up 38.2% year over year.
- The stock is in an uptrend: above its 200-day average for 123 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 48%
- EPS growth (TTM, YoY)Top 27%
- FCF growth (TTM, YoY)Bottom 25%
- Revenue growth, 3-year CAGRBottom 18%
- Revenue growth accelerationTop 16%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 11%
- Gross marginTop 31%
- Operating marginTop 20%
- Cash conversion (OCF / net income)Bottom 34%
- Accruals (lower is better)Bottom 31%
- Net debt / EBITDA (lower is better)Top 25%
- Interest coverTop 42%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 18%
- Free-cash-flow yieldTop 42%
- EBITDA / enterprise valueTop 17%
- Sales / enterprise valueTop 41%
- P/E vs own 5-year history (lower is better)Top 40%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 32%
- 6-month returnTop 16%
- 1-year return vs S&P 500Top 27%
- Distance from 52-week highTop 29%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 44%
- Maximum drawdown, 3 yearsBottom 24%
- Beta vs S&P 500 (lower is better)Top 50%
- Net debt / EBITDA (lower is better)Top 25%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.1% | 5.9% | ↑ |
| EPS growth (YoY) | 12.2% | 38.2% | ↑ |
| Gross margin | 67.4% | 72.1% | ↑ |
| Operating margin | 26.8% | 35.3% | ↑ |
| FCF margin | 32.2% | 26.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 5.9% | -0.1% | ↑ | Bottom 48% |
| EPS growth (TTM, YoY) | 38.2% | 12.2% | ↑ | Top 27% |
| Gross margin | 72.1% | 67.4% | ↑ | Top 31% |
| Operating margin | 35.3% | 26.8% | ↑ | Top 20% |
| Net margin | 28.2% | 21.5% | ↑ | — |
| Free-cash-flow margin | 26.3% | 32.2% | ↓ | — |
| Return on invested capital | -1.9% | — | Bottom 11% | |
| Revenue growth, 3-year CAGR | 6.0% | — | Bottom 18% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.94×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.21×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.05%
- Net buyback yield (TTM)
- -0.01%
- Shareholder yield
- 3.04%
- Share count change, 1 year
- +0.8%
- Share count change, 3-year CAGR
- +0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 7 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | — | -0.8% | +2.9% | +4.9% | — |
| Apr 23, 2026 | — | -0.9% | +1.0% | +2.1% | +9.7% |
| Jan 29, 2026 | — | +2.7% | +6.0% | +0.9% | +5.7% |
| Oct 23, 2025 | — | -0.7% | -0.8% | -2.1% | -0.9% |
| Jul 24, 2025 | — | -1.9% | -2.3% | +2.4% | -0.2% |
| Apr 24, 2025 | — | +0.6% | +4.6% | +6.5% | +7.1% |
| Jan 23, 2025 | — | +0.5% | +2.4% | +2.6% | -2.5% |
| Oct 17, 2024 | — | +1.2% | -0.6% | +3.9% | -12.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.65 | — | — | $25.5M |
| Apr 23, 2026 | $0.97 | — | — | $20.4M |
| Jan 29, 2026 | $1.10 | — | — | $21.3M |
| Oct 23, 2025 | $0.84 | — | — | — |
| Jul 24, 2025 | $0.78 | — | — | $20.4M |
| Apr 24, 2025 | $0.83 | — | — | $20.8M |
| Jan 23, 2025 | $0.85 | — | — | $14.1M |
| Oct 17, 2024 | $0.85 | — | — | $19.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.3× | 11.2× | 43th | Top 18% |
| EV / EBITDA | 7.8× | — | — | Top 17% |
| EV / Sales | 2.82× | — | — | Top 41% |
| Free-cash-flow yield | 9.08% | — | — | Top 42% |
| Earnings yield | 9.69% | — | — | Top 18% |
P/E over the past five years
Range 6.4× – 17.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +23.5%
- Earnings per share growth (TTM)
- +38.2%
- Change in P/E multiple
- -10.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 123
- 50-day average slope (20 days)
- +2.4%
- 200-day average slope (20 days)
- +1.8%
- Distance from 50-day average
- -0.0%
- Distance from 200-day average
- +9.4%
- RSI (14)
- 47.0
- Relative volume
- 0.70×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.1%
- Volatility vs own 5-year history
- 25th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.70
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -4.4%
- Maximum drawdown, 3 years
- -41.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 15, 2023 | Apr 19, 2024 | -41.6% | 85 days | 101 days (Sep 13, 2024) |
| Mar 2, 2023 | Oct 12, 2023 | -34.4% | 155 days | 45 days (Dec 15, 2023) |
| Jul 1, 2021 | Jun 16, 2022 | -30.1% | 242 days | 158 days (Feb 2, 2023) |
| Nov 11, 2024 | Jan 10, 2025 | -23.5% | 40 days | 235 days (Dec 17, 2025) |
| Apr 1, 2021 | May 13, 2021 | -20.9% | 29 days | 32 days (Jun 29, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $255.2M
- P/E (TTM)
- 10.3
- EPS, diluted (TTM)
- $4.56
- Revenue (TTM)
- $88.0M
- Dividend yield
- 3.06%
- 52-week range
- $37.31 – $50.00
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $58.7M | $70.0M | $79.1M | $82.6M | $83.3M |
| Gross profit | $54.4M | $66.7M | $57.3M | $53.7M | $57.5M |
| Operating income | $11.9M | $28.5M | $23.3M | $20.9M | $24.1M |
| Net income | $10.1M | $23.4M | $19.3M | $17.0M | $19.3M |
| EPS (diluted) | $2.14 | $4.38 | $3.58 | $3.15 | $3.55 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $20.9M | $21.0M | $20.8M | $20.4M | $20.8M | $21.3M | $20.4M | $25.5M |
| Net income | $4.6M | $4.6M | $4.5M | $4.2M | $4.6M | $6.0M | $5.3M | $9.0M |
| EPS (diluted) | $0.85 | $0.84 | $0.83 | $0.78 | $0.84 | $1.10 | $0.97 | $1.65 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $13.1M | $22.7M | $13.9M | $15.3M | $21.3M |
| Capital expenditure | -$1.3M | -$546,000 | -$1.2M | -$733,000 | -$582,000 |
| Free cash flow | $11.8M | $22.1M | $12.7M | $14.6M | $20.8M |
| Dividends paid | -$6.4M | -$6.4M | -$7.1M | -$7.1M | -$7.6M |
| Net share buybacks | $30,000 | $23,000 | $18,000 | -$559,000 | $35,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $35.7M
- Total assets
- $1.64B
- Total liabilities
- $1.44B
- Total debt
- $29.1M
- Net debt
- -$6.7M
- Shareholders’ equity
- $194.7M
As of Jun 30, 2026 (filed Aug 13, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.36 | Aug 28, 2026 |
| May 13, 2026 | $0.36 | May 29, 2026 |
| Feb 13, 2026 | $0.36 | Feb 27, 2026 |
| Nov 14, 2025 | $0.36 | Nov 28, 2025 |
| Aug 15, 2025 | $0.36 | Aug 29, 2025 |
| May 15, 2025 | $0.36 | May 30, 2025 |
| Mar 14, 2025 | $0.33 | Mar 28, 2025 |
| Dec 6, 2024 | $0.33 | Dec 20, 2024 |
Short interest
- Shares sold short
- 61,943
- Days to cover
- 9.55
- Change vs previous report
- +10.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 25, 2019
- 21-for-20
- Apr 2, 2018
- 21-for-20
- Jun 13, 2011
- 23-for-20