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Companies / Financials / Virginia National Bankshares Corp
VABK

Virginia National Bankshares Corp

FinancialsCommercial Banks
Ticker VABKCHARLOTTESVILLE, VAFiscal year ends DecemberBook value per share $35.73Diluted shares 5.4M

Virginia National Bankshares Corporation (Nasdaq: VNB) operates as a bank holding company providing comprehensive financial services through its principal subsidiary, Virginia National Bank, a national banking association chartered in 1998. The company's website is located at virginianationalbank.com. From the company’s description.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$57.60M
+6.7% year over year
Last 12 mo $63.62M
41.81%
+3.1 percentage points
Last 12 mo 48.86%
$19.26M
+13.5% year over year
Last 12 mo $24.80M
10.46%
−0.1 percentage points
Last 12 mo 12.74%
Cash & financing
$21.33M
+39.5% year over year
Last 12 mo $23.25M
$20.75M
+42.6% year over year
Last 12 mo $22.66M
7.90
Was 9.03× a year earlier
Last 12 mo 0.12
5.4M
+0.5% year over year
Last 12 mo 5.4M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Virginia National Bankshares Corp does

In the company’s own words

Virginia National Bankshares Corporation (Nasdaq: VNB) operates as a bank holding company providing comprehensive financial services through its principal subsidiary, Virginia National Bank, a national banking association chartered in 1998. The company's website is located at virginianationalbank.com.

The Bank offers a full range of commercial and retail banking products and services, including checking accounts, money market deposit accounts, certificates of deposit, individual retirement accounts, and specialized deposit services such as CDARS and Insured Cash Sweep. The institution provides short-to-long-term commercial, real estate, and consumer loans, with pricing based on overall banking relationships and delivered through local decision makers with strong market knowledge. Additional services include ATMs, internet banking, treasury and cash management services, merchant card services, and Visa debit cards for both consumer and business customers. Trust and estate administration services are offered through VNB Trust and Estate Services, which operates as a division following the 2018 merger of the subsidiary VNBTrust into the Bank.

The company primarily serves Virginia communities in and around Charlottesville, Winchester, Manassas, and Richmond, as well as the counties of Albemarle, Fauquier, Frederick, and Prince William. These market areas feature diverse industries including higher education, medical and professional services, research and development companies, and retail operations.

As of December 31, 2025, the company employed 140 full-time employees and 8 part-time employees, with 75 percent women and 22 percent racial and ethnic minorities represented in the workforce. The company maintains a commitment to community development through initiatives such as the Finance Career and Leadership Academy, an instructional program providing advanced personal finance and employment readiness training to high school students within its service communities.

The company also holds membership interests in Bankers Insurance, LLC and Bankers Title Shenandoah, LLC through its financial subsidiary Fauquier Bank Services, Inc. Additionally, the company receives annual revenue-share payments from Masonry Capital Management, LLC following the sale of membership interests effective April 1, 2024.

Company details
Sector
Financials
Industry
Commercial Banks
Headquarters
CHARLOTTESVILLE, VA
Fiscal year end
December
CIK
1572334
SIC
6021

Financial performance, year by year

Fiscal 2014–2025 · USD
$-6.72M$13.44M$33.60M$53.77M$73.93M201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Virginia National Bankshares Corp — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

105
funds hold it
0 of 35
superinvestors hold it
$41.60M
held by funds, at market
17.5%
of shares held by funds

Largest fund holders · Virginia National Bankshares Corp’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.01%of fund net assets
Regional Bank Fund
FRBAX · John Hancock Investment Trust II
0.52%of fund net assets
iShares Russell 2000 Value ETF
IWN · iShares Trust
0.02%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Virginia National Bankshares Corp and its peers compare on margins and cash generation over ten years?”
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