Virginia National Bankshares Corporation (VABK)

VABK Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	51.51	46.38	48.97	53.55	44.99
Net Interest Income Growth	11.07%	-5.29%	-8.55%	19.02%	88.40%
Non-Interest Income	6.09	7.59	9.1	13.66	10.47
Non-Interest Income Growth	-19.70%	-16.61%	-33.38%	30.54%	59.41%
Revenues Before Loan Losses	57.6	53.97	58.07	67.21	55.45
Provision for Credit Losses	0.14	-0.6	0.73	0.11	1.01
Revenue	57.47	54.57	57.34	67.1	54.44
Revenue Growth (YoY)	5.32%	-4.83%	-14.55%	23.26%	88.88%
Compensation Expenses	15.69	15.93	15.9	17.26	16.13
Selling, General & Admin	11.75	11.72	12.06	13.99	13.37
Other Non-Interest Expenses	5.95	6.01	6.11	7.31	13.03
Total Non-Interest Expense	33.38	33.67	34.06	38.56	42.52
Pretax Income	24.08	20.9	23.27	28.55	11.92
Provision for Income Taxes	4.82	3.93	4.01	5.11	1.85
Net Income	19.26	16.97	19.26	23.44	10.07
Net Income to Common	19.26	16.97	19.26	23.44	10.07
Net Income Growth	13.53%	-11.92%	-17.81%	132.73%	26.24%
Shares Outstanding (Basic)	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5
Shares Change (YoY)	0.49%	0.35%	0.41%	13.97%	73.35%
EPS (Basic)	3.57	3.16	3.60	4.40	2.16
EPS (Diluted)	3.55	3.15	3.58	4.38	2.14
EPS Growth	12.70%	-12.01%	-18.27%	104.67%	-27.46%
Free Cash Flow	0.14	14.56	12.73	22.14	11.77
Free Cash Flow Growth	-99.06%	14.32%	-42.49%	88.06%	30.02%
Free Cash Flow Per Share	0.03	2.70	2.37	4.14	2.51
Dividends Per Share	1.410	1.320	1.320	1.200	1.200
Dividend Growth	6.82%	-	10.00%	-	-
Profit Margin	33.52%	31.09%	33.60%	34.93%	18.50%
FCF Margin	0.24%	26.68%	22.21%	32.99%	21.62%
EBITDA	0	4.26	4.77	5.09	4.4
EBITDA Margin	0.00%	7.80%	8.32%	7.58%	8.08%
Effective Tax Rate	20.02%	18.82%	17.23%	17.89%	15.49%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q