Virginia National Bankshares Corp (NASDAQ:VABK)
Insiders here have filed 1 Form 4 in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $87.8M
- Net income
- $26.8M
- Net margin
- 30.5%
Little or no net debt.
- Total debt
- $0
- Cash
- $5.8M
- Net debt / EBITDA
- -0.20x
Current assets or liabilities not reported.
- Current assets
- $5.8M
- Current liabilities
- $0
- Current ratio
- —
The business funds itself from operations.
- Operating cash flow
- $23.3M
- Free cash flow
- $23.2M
- FCF margin
- 26.4%
Not funding itself by issuing shares.
- Shares outstanding
- 5.4M
- Share growth (1y)
- 0.6%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
VABK Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 20.63 M | 25.53 M | 20.37 M | 21.30 M | 20.82 M | 20.45 M |
| Revenue Growth (YoY) | -0.91 % | 24.86 % | -1.93 % | 1.25 % | -0.17 % | 0.46 % |
| Cost of Revenue | 0.00 | 5.98 M | 5.63 M | 6.25 M | 6.73 M | 6.34 M |
| Gross Profit | 0.00 | 19.55 M | 14.73 M | 15.06 M | 14.09 M | 14.10 M |
| SG&A Expense | 433.00 K | 587.00 K | 615.00 K | -10.95 M | 4.33 M | 4.19 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 433.00 K | 8.27 M | 8.20 M | 7.48 M | 8.40 M | 8.68 M |
| Operating Income | 0.00 | 11.28 M | 6.53 M | 7.58 M | 5.69 M | 5.42 M |
| Pretax Income | 8.06 M | 11.28 M | 6.53 M | 7.58 M | 5.69 M | 5.42 M |
| Tax Provision | 1.50 M | 2.27 M | 1.27 M | 1.62 M | 1.11 M | 1.19 M |
| Net Income | 6.56 M | 9.01 M | 5.26 M | 5.96 M | 4.58 M | 4.24 M |
| EPS (Basic) | 1.21 | 1.66 | 0.97 | 1.10 | 0.85 | 0.79 |
| EPS (Diluted) | 1.20 | 1.65 | 0.97 | 1.10 | 0.84 | 0.78 |
| Shares Outstanding | 5.43 M | 5.42 M | 5.41 M | 5.39 M | 5.39 M | 5.39 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.