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Virginia National Bankshares
Virginia National Bankshares (VABK) investor relations material
Virginia National Bankshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Reported quarterly net income of $6.0 million ($1.10 per diluted share) for Q4 2025, up from $4.6 million ($0.85 per share) in Q4 2024; full-year net income was $19.3 million ($3.55 per share), up from $17.0 million ($3.15 per share) in 2024.
Improved profitability driven by lower interest expense and stable asset yields despite prime rate reductions.
Board declared a quarterly cash dividend of $0.36 per share, annual yield of 3.57%.
Strong capital and liquidity positions maintained, with modest loan growth and robust asset quality.
Financial highlights
Net interest income for Q4 2025 was $13.3 million, up 9.1% year-over-year; net interest margin (FTE) rose to 3.50% from 3.21%.
Noninterest income fell 26.2% year-over-year, mainly due to lower debit card fees and prior year debt extinguishment gains.
Noninterest expense decreased 14.9% year-over-year, reflecting service refunds and credits.
Efficiency ratio (FTE) improved to 49.5% in Q4 2025 from 60.2% in Q4 2024; full-year ratio improved to 57.6% from 62.0%.
Book value per share increased to $34.15, tangible book value to $32.21 as of December 31, 2025.
Outlook and guidance
Management emphasizes continued focus on operating efficiency and sustainable growth.
Forward-looking statements note risks from economic, regulatory, and market conditions.
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Next Virginia National Bankshares earnings date
Q1 202623 Apr, 2026
Virginia National Bankshares
Next Virginia National Bankshares earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank. The company provides a broad range of commercial and retail banking services. Its banking segment offers products like checking accounts, money market deposit accounts, certificates of deposit, and individual retirement accounts. Additionally, Virginia National Bankshares offers various lending solutions, including commercial and industrial loans, real estate and construction loans, residential mortgages, and consumer loans. The company is headquartered in Charlottesville, Virginia, and its shares are listed on the NASDAQ.
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