Virginia National Bankshares Corporation (VABK)

VABK Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	52.12	51.51	46.38	48.97	53.55	44.99
Net Interest Income Growth	9.19%	11.07%	-5.29%	-8.55%	19.02%	88.40%
Non-Interest Income	5.82	6.09	7.59	9.1	13.66	10.47
Non-Interest Income Growth	-18.78%	-19.70%	-16.61%	-33.38%	30.54%	59.41%
Revenues Before Loan Losses	57.95	57.6	53.97	58.07	67.21	55.45
Provision for Credit Losses	0.3	0.14	-0.6	0.73	0.11	1.01
Revenue	57.65	57.47	54.57	57.34	67.1	54.44
Revenue Growth (YoY)	3.90%	5.32%	-4.83%	-14.55%	23.26%	88.88%
Compensation Expenses	15.76	15.69	15.93	15.9	17.26	16.13
Selling, General & Admin	11.77	11.75	11.72	12.06	13.99	13.37
Other Non-Interest Expenses	5.23	5.95	6.01	6.11	7.31	13.03
Total Non-Interest Expense	32.76	33.38	33.67	34.06	38.56	42.52
Pretax Income	25.22	24.08	20.9	23.27	28.55	11.92
Provision for Income Taxes	5.19	4.82	3.93	4.01	5.11	1.85
Net Income	20.03	19.26	16.97	19.26	23.44	10.07
Net Income to Common	20.03	19.26	16.97	19.26	23.44	10.07
Net Income Growth	12.48%	13.53%	-11.92%	-17.81%	132.73%	26.24%
Shares Outstanding (Basic)	5	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5	5
Shares Change (YoY)	0.54%	0.49%	0.35%	0.41%	13.97%	73.35%
EPS (Basic)	3.71	3.57	3.16	3.60	4.40	2.16
EPS (Diluted)	3.69	3.55	3.15	3.58	4.38	2.14
EPS Growth	11.82%	12.70%	-12.01%	-18.27%	104.67%	-27.46%
Shares Outstanding	5.42	5.39	5.37	5.37	5.34	5.31
Free Cash Flow	-	20.75	14.56	12.73	22.14	11.77
Free Cash Flow Growth	-	42.57%	14.32%	-42.49%	88.06%	30.02%
Free Cash Flow Per Share	-	3.83	2.70	2.37	4.14	2.51
Dividends Per Share	1.440	1.410	1.320	1.320	1.200	1.200
Dividend Growth	2.13%	6.82%	-	10.00%	-	-
Profit Margin	34.75%	33.52%	31.09%	33.60%	34.93%	18.50%
FCF Margin	-	36.11%	26.68%	22.21%	32.99%	21.62%
EBITDA	-	3.99	4.26	4.77	5.09	4.4
EBITDA Margin	-	6.94%	7.80%	8.32%	7.58%	8.08%
Effective Tax Rate	20.59%	20.02%	18.82%	17.23%	17.89%	15.49%

Updated Apr 23, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q