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An announcement from Virginia National Bankshares ( (VABK) ) is now available.
On January 29, 2026, Virginia National Bankshares Corporation reported net income of $6.0 million, or $1.10 per diluted share, for the fourth quarter of 2025, up from $4.6 million, or $0.85 per diluted share, a year earlier, and full-year 2025 net income of $19.3 million, or $3.55 per diluted share, compared with $17.0 million, or $3.15 per diluted share, in 2024. The earnings growth in 2025 stemmed primarily from lower interest expense as the cost of funds on deposits and borrowings declined while asset yields held steady despite prime rate cuts, driving net interest margin expansion to 3.50% and a significantly improved efficiency ratio; balance sheet metrics showed modest loan growth, rising deposits, reduced securities holdings in favor of higher-yielding earning assets, low but slightly higher nonperforming assets, a stable allowance for credit losses, and strong funding and liquidity flexibility. On January 27, 2026, the board declared a quarterly cash dividend of $0.36 per share, payable February 27, 2026 to shareholders of record on February 13, 2026, representing an indicated yield of about 3.57% at the January 27 closing price and underscoring management’s confidence in the bank’s capital strength and sustained earnings power.
The most recent analyst rating on (VABK) stock is a Hold with a $44.00 price target. To see the full list of analyst forecasts on Virginia National Bankshares stock, see the VABK Stock Forecast page.
Spark’s Take on VABK Stock
According to Spark, TipRanks’ AI Analyst, VABK is a Neutral.
The score is driven primarily by solid financial fundamentals (good profitability and manageable leverage) tempered by softer recent trends (TTM revenue dip, lower ROE, and weaker free-cash-flow momentum). Valuation is supportive with a moderate P/E and a strong dividend yield, while technical indicators are neutral with slightly negative momentum.
To see Spark’s full report on VABK stock, click here.
More about Virginia National Bankshares
Virginia National Bankshares Corporation, headquartered in Charlottesville, Virginia, operates as a regional banking institution offering commercial and consumer lending, deposit services, and related financial products. The company focuses on maintaining strong asset quality, capital and liquidity positions, and uses reciprocal Insured Cash Sweep plans to provide expanded FDIC insurance coverage for large-balance customers, positioning itself as a conservative, relationship-focused community bank in its markets.
Average Trading Volume: 7,932
Technical Sentiment Signal: Strong Buy
Current Market Cap: $217.8M
Learn more about VABK stock on TipRanks’ Stock Analysis page.