Virginia National Bankshares Corporation (VABK)
Financials · NCM
Price as at 1 Oct 2026, 23:11 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Virginia National Bankshares Corporation trades at $47.95, which is 110% below the $100.67 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 44 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 10.0 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
VABK dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $1.08 | 3 |
| 2025 | $1.41 | 4 |
| 2024 | $1.32 | 4 |
| 2023 | $1.32 | 4 |
| 2022 | $1.20 | 4 |
| 2021 | $1.20 | 4 |
| 2020 | $1.20 | 4 |
| 2019 | $1.20 | 4 |
| 2018 | $1.09 | 4 |
| 2017 | $0.305 | 2 |
| 2016 | $0.467 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
About Virginia National Bankshares Corporation
Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking products and services in Virginia. It operates through two segments: Bank and VNB Trust and Estate Services. The company provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. The company also offers commercial loans, real estate construction and land loans, commercial real estate loans, 1-4 family residential mortgages, and commercial mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. In addition, it provides automated teller machines, internet banking, treasury, and cash management services; merchant and debit card services; and investment advisory and management services. Further, the company offers investment management, wealth management, corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custody services. It serves individuals, businesses, and charitable organizations. The company was formerly known as Virginia National Bank and changed its name to Virginia National Bankshares Corporation in December 2013. The company was founded in 1998 and is headquartered in Charlottesville, Virginia.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
VABK passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
2 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$696.8K · 0.0% of book
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$658.3K · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
VABK peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is Virginia National Bankshares Corporation (VABK) undervalued?
Against our fair value estimate of $100.67, VABK at $47.95 is 110% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own VABK?
2 of the institutions we track reported a position in VABK in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is VABK's P/E ratio?
VABK trades at 10.0 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Virginia National Bankshares Corporation (VABK) pay a dividend?
Yes. Virginia National Bankshares Corporation yields 3.14% at the current share price. It has paid $1.44 per share over the trailing twelve months. It has paid a dividend in each of the last 13 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its VABK data?
Fundamentals for VABK come from company filings and exchange data, as listed on NCM; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 23:11 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for VABK, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.