VIRGINIA NATIONAL BANKSHARES CORP (VABK)
Financials · regional banks · NASDAQ
A Virginia-based community bank holding company focused on commercial banking and trust services to drive long-term shareholder value.
What VIRGINIA NATIONAL BANKSHARES CORP does
Virginia National Bankshares Corporation is a bank holding company that provides a range of banking and financial services through its subsidiary, Virginia National Bank. Its commercial banking operations include taking deposits, offering commercial and consumer loans, treasury management services, and debit/ATM services. The company also provides corporate trustee and estate services.
Recent developments
In Q2 2026, the company recorded a gain from the sale of a limited investment partnership interest in Bearing Insurance Group, LLC, which positively impacted net income and return on assets.
From VIRGINIA NATIONAL BANKSHARES CORP's filing of 2026-08-13.
Themes: community banking, trust and estate services, commercial lending
Fundamentals
- Price$48.50 as of 2026-10-09 close
- Market cap$263M as of 2026-08-06 (share count; price 2026-10-09)
- 1-year return+24.5% 2025-10-09 close $38.97 → 2026-10-09 close $48.50
- P/E13.15 as of 2026-10-09
- ROE+10.5% FY2025, SEC XBRL
- Debt / equity0.13 as of 2026-09-02
- Revenue growth (YoY)+26.8% as of 2026-09-02
- Beta0.56 as of 2026-09-02
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.1%; at least 13 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How VABK compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-09
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, VABK's dividend was covered by reported results (earnings payout 39%, free-cash-flow payout 37%). This describes past coverage, not a forecast.
- Earnings payout39% dividends / net income
- Free-cash-flow payout37% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How VIRGINIA NATIONAL BANKSHARES CORP looks technically
VIRGINIA NATIONAL BANKSHARES CORP (VABK) is trading 12.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 111 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 42, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive). It made a new 20-day high about 21 trading days ago. It is 3.0% below its 52-week high (its highest price of the past year). Trading volume is unusually light — only about 29% of its 30-day average.
Trend
8
| Distance from the 200-day | it is trading 12.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +12.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $47.34 | $47.34 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $43.12 | $43.12 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 46.79. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 111 trading days ago — a "golden cross", a bullish long-term signal | 111 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 42, with buyers in control | 41.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30) | 55.2 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($46.58 to $49.75) — its "stochastic" reading is 61 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 60.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive) | 2 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $50.00 | $50.00 |
|---|---|---|
| From the 52-week high | it is 3.0% below its 52-week high (its highest price of the past year) | -3.0% |
| Above the 52-week low | it is 29.9% above its 52-week low (its lowest price of the past year) | +29.9% |
| Below the 52-week high | it is 3.0% below its highest point of the past year | 3.0% |
| Since a 20-day breakout | it made a new 20-day high about 21 trading days ago | 21 sessions |
| Since a 55-day breakout | it made a new 55-day high about 21 trading days ago | 21 sessions |
| All-time high | its highest closing price on record is $53.98 (set on 2018-06-20) | $53.98 |
| Given back of the 52-week move | over the past year its closes ranged ($37.79 to $49.22), and it has given back only a small part of its rise from last year’s low — 6% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $41.79 to $42.16. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 6.3% |
| From the all-time high | it is 10.2% below its all-time high | -10.2% |
| Nearest price level | it is trading 0.8% below a resistance level at $48.88 — a price it turned at three times since 2026-05-07, most recently on 2026-09-28. Since 2024-10-09 it has 9 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.8% |
| All-time low | its lowest closing price on record is $10.77 (set on 2010-09-29) | $10.77 |
| Above the all-time low | it is 350.5% above its all-time low | +350.5% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 85% of it) | 15th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.993 between its high and its low — about 2.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.993 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $46.58 and $49.32 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $46.58 – $47.95 – $49.32 |
| Typical daily range (% of price) | its price moves about 2.1% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 5.4 daily ranges above its 200-day average price (12.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.4 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 29% of its 30-day average | 0.29× |
|---|
Candlestick patterns
1
| Since a bearish engulfing | today it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | today |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-10-09 0.2% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.2% |
|---|---|---|
| Open gap | it gapped 2.9% above the previous close 53 sessions ago and has not traded back through the level it left behind at 44.15 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.9% |
| Gap filled | a 2.3% gap down opened on 2026-09-23 has been "filled" 10 sessions ago — price traded back through the level the gap left behind, and it took 2 sessions to close | 10 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 0.1 percentage points (the stock gained 2.0% while the market gained 2.1%) | -0.1% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 5.0 percentage points (the stock gained 8.6% while the market gained 3.6%) | +5.0% |
| vs market, 6 months | over the past 6 months this stock beat the market by 7.3 percentage points (the stock gained 21.8% while the market gained 14.5%) | +7.3% |
| vs market, 12 months | over the past 12 months this stock beat the market by 8.5 percentage points (the stock gained 24.5% while the market gained 16.0%) | +8.4% |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, a strong uptrend, with buyers in control, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
|---|---|---|
| Bearish technical signals | 0 of the 9 technical signals we can compute for it are currently in a bearish state — these describe past price behaviour, not a forecast | 0 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.8% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-02 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.0% of the share price, which is taken to mean a barrier that gives way easily. | +2.8% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 13% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $42.96 — a volume-weighted average of daily closes over 193 sessions, not a true tick-by-tick VWAP. | +12.9% |
|---|
Rectangle, either side — broke out · entry $48.68 · 38 sessions in
Rising wedge, bearish — broke down · entry $47.70 · 59 sessions in
Price levels it has turned at before
VABK last closed at $48.50 on 2026-10-09. Since 2024-10-09 it has turned at 9 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $48.88 | Resistance | 0.8% above the last close | turned there three times · 2026-05-07 to 2026-09-28 |
| $49.83 | Resistance | 2.7% above the last close | turned there twice · 2026-08-05 to 2026-09-14 |
| $46.42 | Support | 4.3% below the last close | turned there four times · 2026-08-18 to 2026-10-02 |
| $44.53 | Support | 8.2% below the last close | turned there twice · 2025-08-25 to 2025-09-03 |
| $43.64 | Support | 10.0% below the last close | turned there six times · 2025-12-17 to 2026-07-23 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $46.79.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 15 trading days, since 2026-09-21.
Read from daily closes as of 2026-10-09.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Near the 52-week high · MACD just crossed bullish (12/26/9) · in a strong, established uptrend (ADX) · beating the market · Printed a bearish engulfing pair | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · volume and relative volume
Based on daily closing prices as of 2026-10-09. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Sensitivity to interest rate fluctuations and general economic conditions affecting loan collectability and net interest margin.","Dependence on the accuracy of the allowance for credit losses (ACL) estimate and management's underlying assumptions.","Potential impact of regulatory changes in the financial services industry."]
What changed in the latest 10-Q
AI-assisted comparison of VABK's 10-Q filed 2026-05-12 against the prior one filed 2025-11-12.
Management's Discussion & Analysis (MD&A)
- Added:
- Added tangible book value per share as a fourth key financial performance measure in the newer filing (2026-05-12)
- Added specific risk factors in forward-looking statements: 'trade restrictions, tariffs' and explicit mention of 'prospect of these events' in newer filing
- Added reference to Form 10-K for year ended December 31, 2025 in newer filing (versus December 31, 2024 in older filing)
- Added statement that 'any forward-looking statements made by the Company speak only as of the date on which such statements are made' and that 'the Company does not undertake to update any forward-looking statements' in the newer filing
- Removed:
- Removed explicit mention of 'three and nine months' period comparisons; newer filing shows only three-month periods
- Removed reference to share repurchase program details (20,350 shares repurchased in first half of 2024, no shares repurchased in 2025) from newer filing
- Removed capital management discussion paragraph in newer filing
- Removed reference to 'Board of Governors of the Federal Reserve System'; newer filing uses 'Federal Reserve' only
- Removed reference to Form 10-K for year ended December 31, 2024 (older filing)
- Removed statement 'Many of these factors and additional risks and uncertainties are described' and replaced with 'Additional risk factors and uncertainties are described'
- Removed 'at a release' language and substituted 'in this report'
- Reworded:
- Changed opening reference from 'this release' to 'this report' in forward-looking statements section
- Reordered and expanded forward-looking statements warning with more detailed and structured language in newer filing
- Changed 'Such statements include, without limitation, statements with respect to' to 'including but not limited to, statements concerning' in newer filing
- Changed period reference from 'three and nine months ended September 30, 2025' to 'three months ended March 31, 2026' throughout OVERVIEW section
- Changed key performance measures description from 'three key financial performance measures' to 'four key financial performance measures' in newer filing
- Changed ACL language from 'assumptions underlying the Company's ACL' to 'assumptions that underlie the Company's ACL'
- Expanded description of critical accounting estimates section with additional criteria language in newer filing
- Notes:
- Truncation in the older filing text at 'The Company's accounting policies are fundamental to understanding management's discussion and analysis of financial condition and results of operations. For additional information regarding critical accounting policies, refer to the Application of Critical Accounting Policies and Critical Accounting Estimates section under Item 8 in the Company's 2024 Form 10-K. FINANCIAL CONDITION Total assets The total assets of the Company as' prevents full comparison of the APPLICATION OF CRITICAL ACCOUNTING POLICIES section
- The newer filing text is also truncated mid-sentence: 'different estimates that management reasonably could have'
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for VABK — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding VABK as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 412,543
- Reported value $18,308,660
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about VABK's institutional holders → See what each manager we track holds →
Short interest (FINRA)
VABK had 61,943 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
VABK had 1.14% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 9.55 days to cover at the same settlement.
- Reported short interest (shares) 61,943
- Short interest (% of shares outstanding) 1.14%
- Prior settlement (shares) 56,261
- Reported change 10.1%
- Days to cover (reported) 9.55
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare VABK vs…
Frequently asked questions
What does VIRGINIA NATIONAL BANKSHARES CORP (VABK) do?
Virginia National Bankshares Corporation is a bank holding company that provides a range of banking and financial services through its subsidiary, Virginia National Bank. Its commercial banking operations include taking deposits, offering commercial and consumer loans, treasury management services, and debit/ATM services. The company also provides corporate trustee and estate services.
What sector is VIRGINIA NATIONAL BANKSHARES CORP (VABK) in?
VIRGINIA NATIONAL BANKSHARES CORP (VABK) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does VABK pay a dividend?
Yes — VIRGINIA NATIONAL BANKSHARES CORP (VABK) pays a dividend, with an indicated yield of about 3.06% and at least 13 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-02). Informational only — not financial advice.
Who are VIRGINIA NATIONAL BANKSHARES CORP's (VABK) competitors?
Notable peers of VIRGINIA NATIONAL BANKSHARES CORP (VABK) include TowneBank, Atlantic Union Bankshares, FVCBankcorp and Blue Ridge Bankshares. This peer set is informational only — not financial advice.
Is VIRGINIA NATIONAL BANKSHARES CORP (VABK) overbought or oversold right now?
VIRGINIA NATIONAL BANKSHARES CORP (VABK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 55, in the neutral middle (as of 2026-10-09). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on VABK come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.