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what it is
Virginia National takes deposits, makes loans, and sells wealth services to customers who want one bank for everything.
how it gets paid
FY2025 bank-style top line ≈ net interest income $51.5M + noninterest income $6.1M ≈ $57.6M (twelve months ended Dec 31, 2025 tables)—NII is ~89% of that pair.
what just happened
Q4 2025: net income $6.0M; diluted EPS $1.10 vs $0.85 in Q4 2024. FY2025 net income $19.3M vs $17.0M in FY2024.
At a glance
B balance sheet — gets the job done, barely
60/100 earnings predictability — reasonably predictable
~11.3x trailing p/e (spot vs FY2025 diluted EPS $3.55) — small-bank multiple, macro-sensitive
3.7% dividend yield — cash in your pocket every quarter
$3.55 FY2025 diluted EPS (GAAP)
xvary composite: 54/100 — below average
What they do
Virginia National takes deposits, makes loans, and sells wealth services to customers who want one bank for everything.
This is a relationship bank. If your checking account, mortgage, cash management, and trust account all live in one place, leaving is a paperwork hobby. Virginia National Bank operates across multiple Virginia markets (see the company’s release for office count)—scale is small, so deposit costs and credit granularity matter.
How they make money
~$57.6M
FY2025 · NII + noninterest income (GAAP tables)
Net interest income (FY2025)
$51.5M
+11.1%
Noninterest income (FY2025)
$6.1M
(19.7%)
Net interest income (Q4 2025)
$13.3M
+9.1%
Loan / deposit mix
10-K
detail
Wealth fees (FY2025)
$0.9M
vs FY2024
The products that matter
commercial loans and treasury services
Commercial Banking
~$57.6M FY2025 bank-style revenue
This is usually where a community bank earns its keep. The catch: the current dataset does not break out the commercial book, so you know it matters without getting the proof you would want.
core driver
checking, savings, and personal lending
Consumer Banking
supports deposits and fee income
Deposits are fuel for the $58M net interest income line. In human-speak: if deposit costs rise faster than loan yields, the simple banking math gets worse. This page does not give deposit growth, so you are watching the funding side with limited visibility.
funding base
digital account access and service
Online Banking Platform
refreshed dec 11, 2025
The platform refresh on dec 11, 2025 tells you management is keeping the lights on digitally. Good. For a local bank, that is maintenance, not a new chapter, unless customer adoption starts showing up in the numbers.
retention tool
Key numbers
~11.3x
trailing p/e
Rough check: ~$40.02 ÷ ~$3.55 FY2025 diluted EPS ≈ ~11.3×. Yield ~3.6% on the Jan 27, 2026 reference price in the dividend press release.
~3.6%
dividend yield
Dividend yield → cash paid to shareholders each year → so what: you get paid while waiting for earnings to steady.
~$24M
borrowings + sub debt
Dec 31, 2025: FHLB borrowings ~$20M + junior subordinated debt ~$3.6M (period-end balances)—small, but still part of funding stack.
0.7
beta
Beta → how jumpy the stock is versus the market → so what: at 0.7, this has moved less than the market on average.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 3 — safer than 50% of stocks
- price stability 70 / 100
- long-term debt $4M (2% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for VABK right now.
source: institutional data · return history unavailable
What just happened
q4 / fy 2025 reported
Q4 2025 net income $6.0M; diluted EPS $1.10 vs $0.85 in Q4 2024.
FY2025 diluted EPS $3.55 vs $3.15 in FY2024—earnings rose year over year as lower deposit costs helped net interest margin (FTE NIM 3.50% in Q4 2025 vs 3.21% in Q4 2024).
$1.10
q4 diluted EPS
$3.55
FY2025 diluted EPS
3.50%
q4 NIM (FTE)
the number that mattered
Full-year EPS moving up ($3.55 vs $3.15) on better funding costs—not the fake “196% quarterly revenue” glitch.
P0: FY2025 results (Jan 29, 2026) — PRNewswire
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What could go wrong
VABK's risk profile is simple and very bank-like: too much of the story runs through one income stream, one region, and one income-oriented shareholder case.
high
net interest income does most of the work
~$51.5M of ~$57.6M FY2025 bank-style revenue is net interest income (~89%). That means most of the business is exposed to loan yields, deposit costs, and curve shape.
Impact: if spreads compress, the core earnings engine compresses with them.
high
small scale leaves little margin for error
VABK is a $209M bank competing in Northern Virginia, a region with over one-third of the state's population and plenty of financial institutions chasing the same customers.
Impact: competition can pressure deposit pricing and loan growth at the same time.
med
the growth case is still mostly implied
FY2025 is now filed in the Jan 29, 2026 release—use those tables for NII/noninterest trends rather than stale “flat revenue” placeholders.
Impact: when the evidence is missing, investors default to caution and keep the multiple modest.
med
the dividend carries a lot of the thesis
A 3.7% yield is attractive partly because there is not much visible growth elsewhere on the page. If payout confidence slips, the stock loses a major part of its appeal.
Impact: the downside is not just lower income. It is a weaker reason for the market to own the stock at all.
Most of the ~$57.6M FY2025 top line is rate-sensitive NII, the dividend yield is doing real work, and credit granularity matters in a small Virginia footprint.
source: institutional data · regulatory filings · risk analysis
Pay attention to
core metric
whether the ~$51.5M FY2025 NII base holds up
This is the business. If that number weakens, the case for VABK as a steady income stock weakens with it.
calendar
the next dividend declaration
The company declares dividends quarterly. For a stock yielding 3.7%, that routine update matters more than most corporate headlines.
trend
loan growth vs deposit pricing discipline
The page shows flat revenue. You want the next detailed filing to show whether the bank is actually growing or simply staying tidy.
risk
deposit competition in Northern Virginia
A small bank without scale usually feels pressure first in funding costs. That hits margin before it shows up anywhere else.
Analyst rankings
earnings predictability
60 / 100
in human-speak: the earnings stream is somewhat steady, but not steady enough to treat surprises as rare.
balance sheet grade
B
Good enough to support the business. Not strong enough to be the whole reason you own it.
price stability
70 / 100
The stock has been relatively calm. That fits the income-stock profile much better than a rerating story.
source: institutional data
Institutional activity
institutional ownership data for VABK is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$40
current price
n/a
target midpoint · n/a from current
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