Virginia National Bankshares Corp
VABKFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
Price
VABK against its 20, 50 and 200-day averages2.5% under the 52-week high of 55.00 on 5 Nov 2026. 52-week low 37.35 on 9 Mar 2026. Last 15 sessions, 13.1% high to low
Volume 1.09× normal · the line is the 50-bar volume average
Profile
VABKVirginia National Bankshares Corp. is a bank holding company, which engages in the provision of banking and related financial services. It operates through the following segments: Bank, VNB Trust and Estate Services, and Masonry Capital. The Bank segment includes making loans, taking deposits, and offering related services to individuals, businesses, and charitable organizations. The VNB Trust and Estate Services segment consists of corporate trustee services, trust and estate administration, IRA administration and custody services, and in-house investment management services. The Masonry Capital segment refers to the investment management services for separately managed accounts and a private investment fund. The company was founded in 1998 and is headquartered in Charlottesville, VA.
| Index | RUT |
|---|---|
| Employees | 144 |
| IPO | May 04, 1999 |
| Beta | 0.46 |
| ATR, 14d | 1.49 |
| Rel volume | 1.09 |
| Short float | 0.82% |
| Insider own | 14.84% |
| Inst own | 51.69% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 290.98M |
| Enterprise Value | - |
| Income | 26.78M |
| Sales | 89.51M |
| Book/sh | 35.01 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 1.44 (2.69%) |
| Dividend Ex-Date | Dec 01, 2026 |
| Dividend Gr. 3/5Y | 5.52% 3.28% |
| Payout | 39.67% |
| Employees | 144 |
| IPO | May 04, 1999 |
Ratios
| P/E | 10.91 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 3.25 |
| P/B | 1.53 |
| P/C | - |
| P/FCF | 12.84 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.11 |
| Debt/Eq | 0.18 |
| LT Debt/Eq | 0.18 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 4.92 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | -6.72% 3.83% |
| Sales past 3/5Y | 5.99% 19.78% |
| EPS Y/Y TTM | 49.05% |
| Sales Y/Y TTM | 7.74% |
| EPS Q/Q | 42.25% |
| Sales Q/Q | 7.14% |
| Earnings | Jul 23 BMO |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 14.84% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 51.69% |
| Inst Trans | 1.29% |
| ROA | 1.66% |
| ROE | 14.58% |
| ROIC | 11.96% |
| Gross Margin | - |
| Oper. Margin | 37.37% |
| Profit Margin | 29.92% |
| SMA20 | 4.68% |
| SMA50 | 8.71% |
| SMA200 | 20.80% |
| Trades | - |
Technical
| Shs Outstand | 5.43M |
|---|---|
| Shs Float | 4.62M |
| Short Float | 0.82% |
| Short Ratio | 3.43 |
| Short Interest | 0.04M |
| 52W High | 55.00 -2.53% |
| 52W Low | 37.35 43.53% |
| Volatility | 2.77% 3.18% |
| ATR (14) | 1.49 |
| RSI (14) | 64.11 |
| Beta | 0.46 |
| Rel Volume | 1.09 |
| Avg Volume | 11.03K |
| Volume | 12,002 |
Performance
| Perf Week | 0.09% |
|---|---|
| Perf Month | 6.62% |
| Perf Quarter | 14.38% |
| Perf Half Y | 24.91% |
| Perf YTD | 34.53% |
| Perf Year | 30.44% |
| Perf 3Y | 69.97% |
| Perf 5Y | 47.89% |
| Perf 10Y | 136.42% |
| Recom | - |
| Target Price | - |
| Prev Close | 53.31 |
| Price | 53.61 |
| Change % | 0.55% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| NKSH | National Bankshares Inc | 252.34M |
| EFSI | Eagle Financial Services Inc | 249.01M |
| FXNC | First National Corp (Strasburg, VA) | 274.43M |
| CFFI | C & F Financial Corp | 345.29M |
| BOTJ | Bank of the James Financial Group Inc | 115.36M |
| BRBS | Blue Ridge Bankshares Inc (VA) | 362.32M |
| FVCB | FVCBankcorp Inc | 293.42M |
| JMSB | John Marshall Bancorp Inc | 326.41M |
| MNSB | MainStreet Bancshares Inc | 153.38M |
| CBNA | Chain Bridge Bancorp Inc | 344.79M |
Insider trading
1 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Dittmar William D Jr. | Director | Oct 28 '26 | Option Exercise | 42.42 | 3,937 | 167,008 | 226,092 | Oct 30 04:19 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.47B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| ITOT | iShares Core S&P Total U.S. Stock Market ETF | AUM: 95.28B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | AUM: 212.10M |
News
latest 14 of 84- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES STOCK AND CASH DIVIDENDS (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2026 THIRD QUARTER EARNINGS (PR Newswire) +5.13%
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2026 SECOND QUARTER EARNINGS AND QUARTERLY DIVIDEND (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2026 FIRST QUARTER EARNINGS AND QUARTERLY DIVIDEND (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION APPOINTS ROBERT LEE BURROWS, JR. TO BOARD OF DIRECTORS (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2025 FULL YEAR RESULTS AND QUARTERLY DIVIDEND (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES PLANNED LEADERSHIP TRANSITION (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2025 THIRD QUARTER EARNINGS AND QUARTERLY DIVIDEND (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2025 SECOND QUARTER EARNINGS AND QUARTERLY DIVIDEND (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2025 FIRST QUARTER EARNINGS AND INCREASE IN QUARTERLY DIVIDEND (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES QUARTERLY CASH DIVIDEND (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2024 FOURTH QUARTER AND FULL YEAR EARNINGS (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES QUARTERLY CASH DIVIDEND (PR Newswire)
- VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES 2024 THIRD QUARTER EARNINGS (PR Newswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-23 | - | - | 0.966 | 14.40 | - | - |
| 2025Q4 | 2026-01-29 | - | - | 1.098 | 15.02 | - | - |
| 2025Q3 | 2025-10-23 | - | - | 0.844 | 14.42 | - | - |
| 2025Q2 | 2025-07-24 | - | - | 0.782 | 14.11 | - | - |
| 2025Q1 | 2025-04-24 | - | - | 0.831 | 14.06 | - | - |
| 2024Q4 | 2025-01-23 | - | - | 0.844 | 14.50 | - | - |
| 2024Q3 | 2024-10-17 | - | - | 0.852 | 13.48 | - | - |
| 2024Q2 | 2024-07-19 | - | - | 0.772 | 12.87 | - | - |
| 2024Q1 | 2024-04-23 | - | - | 0.678 | 13.11 | - | - |
| 2023Q4 | 2024-01-26 | - | - | 0.587 | 12.89 | - | - |
| 2023Q3 | 2023-10-20 | - | - | 0.862 | 13.74 | - | - |
| 2023Q2 | 2023-07-17 | - | - | 1.051 | 15.75 | - | - |
| 2023Q1 | 2023-04-18 | - | - | 1.077 | - | - | - |
| 2022Q4 | 2023-01-31 | - | - | 1.316 | 18.31 | - | - |
| 2022Q3 | 2022-10-27 | - | - | 1.079 | 16.58 | - | - |
| 2022Q2 | 2022-07-29 | - | - | 1.063 | 16.11 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 2.462 | 3.154 | 2.487 | 2.946 | 2.145 | 4.38 | 3.585 | 3.147 | 3.555 | 4.9158 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.852 | 0.844 | 0.831 | 0.782 | 0.844 | 1.098 | 0.966 | 1.651 | 1.2 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 28.491 | 31.216 | 31.748 | 33.795 | 58.737 | 69.988 | 79.091 | 82.612 | 83.34 | 89.51 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 20.858 | 21.041 | 20.766 | 20.447 | 20.822 | 21.304 | 20.366 | 25.53 | 22.309 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 2.658 | 2.671 | 2.692 | 2.714 | 5.308 | 5.337 | 5.366 | 5.371 | 5.393 | 5.428 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 5.371 | 5.371 | 5.392 | 5.392 | 5.392 | 5.393 | 5.423 | 5.424 | 5.428 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 78.64 | 77.25 | 75.93 | 69.99 | 56.73 | 48.27 | 27.23 | 26.20 | 25.69 |
| Total Interest Expense | 24.10 | 25.74 | 29.55 | 21.02 | 3.18 | 3.28 | 3.35 | 4.27 | 2.79 |
| Net Interest Income | 54.54 | 51.51 | 46.38 | 48.97 | 53.55 | 44.99 | 23.88 | 21.92 | 22.90 |
| Loan Loss Provision | -0.26 | 0.14 | -0.60 | 0.73 | 0.11 | 1.01 | 1.62 | 1.38 | 1.87 |
| Net Interest Income After Loan Loss Provision | 54.80 | 51.37 | 46.98 | 48.23 | 53.44 | 43.97 | 22.26 | 20.55 | 21.02 |
| Non-Interest Income | 10.87 | 6.09 | 6.68 | 9.10 | 13.26 | 10.46 | 6.57 | 5.55 | 5.53 |
| Non-Interest Expense | 32.21 | 33.38 | 33.67 | 34.06 | 38.31 | 35.10 | 17.79 | 17.42 | 16.01 |
| Operating Income | 33.45 | 24.08 | 20.00 | 23.27 | 28.38 | 19.34 | 11.03 | 8.68 | 10.54 |
| Unusual Expense | - | 0.00 | -0.90 | 0.00 | 0.24 | 7.42 | 0.99 | 0.46 | 0.00 |
| Net Income Before Taxes | 33.45 | 24.08 | 20.90 | 23.27 | 28.55 | 11.92 | 10.04 | 8.22 | 10.54 |
| Income Taxes | 6.67 | 4.82 | 3.93 | 4.01 | 5.11 | 1.85 | 2.06 | 1.53 | 2.07 |
| Consolidated Net Income | 26.78 | 19.26 | 16.97 | 19.26 | 23.44 | 10.07 | 7.98 | 6.69 | 8.47 |
| Net Income From Continuing Operations | 26.78 | 19.26 | 16.97 | 19.26 | 23.44 | 10.07 | 7.98 | 6.69 | 8.47 |
| Net Income | 26.78 | 19.26 | 16.97 | 19.26 | 23.44 | 10.07 | 7.98 | 6.69 | 8.47 |
| EPS (Recurring) | - | 3.55 | 3.03 | 3.58 | 4.41 | 3.25 | 3.20 | 2.61 | 3.15 |
| EPS (Basic, Before Extraordinaries) | 4.95 | 3.57 | 3.16 | 3.60 | 4.40 | 2.16 | 2.95 | 2.49 | 3.18 |
| EPS (Diluted) | 4.92 | 3.55 | 3.15 | 3.58 | 4.38 | 2.14 | 2.95 | 2.49 | 3.15 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.40 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.79 | 0.10 | 0.11 | 0.13 | 0.11 | 0.09 | 0.07 | 0.04 |
| Price To Earnings Ratio | 10.85 | 10.85 | 13.22 | 7.98 | 9.07 | 17.66 | 9.22 | 15.16 | 11.12 |
| Price To Sales Ratio | 2.91 | 2.59 | 2.49 | 2.34 | 2.80 | 3.03 | 2.18 | 3.19 | 2.83 |
| Operating Margin | 37.37 | 28.90 | 24.20 | 29.43 | 40.56 | 32.93 | 32.64 | 27.33 | 33.76 |
| Net Margin | 29.92 | 23.11 | 20.54 | 24.36 | 33.49 | 17.15 | 23.61 | 21.07 | 27.13 |
| Shares Outstanding | 5.43 | 5.39 | 5.37 | 5.37 | 5.34 | 5.31 | 2.71 | 2.69 | 2.67 |
| Market Capitalization | 289.38 | 289.38 | 205.17 | 184.48 | 195.30 | 201.08 | 73.69 | 101.49 | 92.16 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 20.63 | 19.50 | 18.88 | 19.63 | 19.47 | 19.14 | 19.01 | 19.30 |
| Total Interest Expense | 6.09 | 5.75 | 5.97 | 6.28 | 6.40 | 6.34 | 6.71 | 7.06 |
| Net Interest Income | 14.54 | 13.75 | 12.91 | 13.35 | 13.07 | 12.80 | 12.29 | 12.23 |
| Loan Loss Provision | -0.11 | 0.23 | -0.34 | -0.04 | 0.33 | 0.00 | -0.16 | -0.13 |
| Net Interest Income After Loan Loss Provision | 14.65 | 13.52 | 13.24 | 13.38 | 12.74 | 12.79 | 12.45 | 12.36 |
| Non-Interest Income | 1.68 | 6.03 | 1.49 | 1.67 | 1.35 | 1.31 | 1.76 | 1.74 |
| Non-Interest Expense | 8.27 | 8.27 | 8.20 | 7.48 | 8.40 | 8.68 | 8.82 | 8.78 |
| Operating Income | 8.06 | 11.28 | 6.53 | 7.58 | 5.69 | 5.42 | 5.39 | 5.32 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.53 |
| Net Income Before Taxes | 8.06 | 11.28 | 6.53 | 7.58 | 5.69 | 5.42 | 5.39 | 5.85 |
| Income Taxes | 1.50 | 2.27 | 1.27 | 1.62 | 1.11 | 1.19 | 0.90 | 1.29 |
| Consolidated Net Income | 6.56 | 9.01 | 5.26 | 5.96 | 4.58 | 4.24 | 4.49 | 4.56 |
| Net Income From Continuing Operations | 6.56 | 9.01 | 5.26 | 5.96 | 4.58 | 4.24 | 4.49 | 4.56 |
| Net Income | 6.56 | 9.01 | 5.26 | 5.96 | 4.58 | 4.24 | 4.49 | 4.56 |
| EPS (Recurring) | - | 1.65 | 0.97 | 1.10 | 0.84 | 0.78 | 0.83 | 0.78 |
| EPS (Basic, Before Extraordinaries) | 1.21 | 1.66 | 0.97 | 1.10 | 0.85 | 0.79 | 0.83 | 0.85 |
| EPS (Diluted) | 1.20 | 1.65 | 0.97 | 1.10 | 0.84 | 0.78 | 0.83 | 0.84 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.18 | 0.77 | 0.21 | 0.19 | 0.20 | 0.20 | 0.03 |
| Price To Earnings Ratio | 10.85 | 12.03 | 10.75 | 12.08 | 11.73 | 11.22 | 11.47 | 13.22 |
| Price To Sales Ratio | 2.91 | 2.75 | 2.51 | 2.59 | 2.53 | 2.41 | 2.35 | 2.49 |
| Operating Margin | 36.13 | 44.18 | 32.07 | 35.58 | 27.31 | 26.52 | 25.96 | 25.29 |
| Net Margin | 29.39 | 35.28 | 25.82 | 27.97 | 21.98 | 20.73 | 21.62 | 21.68 |
| Shares Outstanding | 5.43 | 5.42 | 5.42 | 5.39 | 5.39 | 5.39 | 5.39 | 5.37 |
| Market Capitalization | 289.38 | 240.65 | 207.12 | 214.92 | 209.26 | 199.50 | 193.78 | 205.17 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 5.80 | 5.31 | 18.07 | 20.99 | 20.34 | 8.12 | 14.91 | 11.74 | 11.39 |
| Investments | 318.98 | 281.52 | 441.70 | 564.97 | 800.16 | 203.68 | 119.90 | 70.21 | 76.67 |
| Net Loans | 1,229.31 | 1,227.51 | 1,084.27 | 930.86 | 1,055.23 | 603.95 | 535.32 | 532.30 | 524.74 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | - | - | - | 0.00 | 0.61 | - | - | - | - |
| Net Property, Plant & Equipment | 17.98 | 20.93 | 22.94 | 24.34 | 32.68 | 8.77 | 9.72 | 7.04 | 7.37 |
| Interest Receivables | 6.21 | 6.43 | 6.18 | 4.88 | 3.78 | 2.90 | 2.24 | 2.10 | 2.01 |
| Deferred Tax Assets | 12.73 | 16.30 | 15.38 | 17.32 | - | - | - | - | - |
| Other Intangible Assets | 59.38 | 59.71 | 57.47 | 60.00 | 59.38 | 21.00 | 20.53 | 21.41 | 21.70 |
| Total Assets | 1,650.39 | 1,617.72 | 1,646.02 | 1,623.36 | 1,972.18 | 848.41 | 702.63 | 644.80 | 643.89 |
| Total Deposits | 1,431.73 | 1,423.55 | 1,409.10 | 1,478.34 | 1,796.17 | 730.76 | 621.21 | 572.53 | 542.96 |
| Total Debt | 29.75 | 29.13 | 79.92 | 9.59 | 10.47 | 33.59 | 3.60 | 0.00 | 34.09 |
| Long Term Debt | 28.10 | 27.98 | 75.58 | 8.02 | 8.94 | 22.71 | 2.81 | 0.00 | 0.00 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 0.65 | 0.89 | - | - | - | - | - | - | - |
| Other Liabilities | 4.10 | 3.85 | 3.95 | 2.02 | 3.55 | 1.46 | 1.71 | 1.52 | 1.73 |
| Total Liabilities | 1,466.23 | 1,457.41 | 1,492.98 | 1,489.94 | 1,810.20 | 765.81 | 626.52 | 574.06 | 578.78 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 184.16 | 160.30 | 153.04 | 133.42 | 161.99 | 82.60 | 76.11 | 70.74 | 65.11 |
| Total Shareholders Equity | 184.16 | 160.30 | 153.04 | 133.42 | 161.99 | 82.60 | 76.11 | 70.74 | 65.11 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 184.16 | 160.30 | 153.04 | 133.42 | 161.99 | 82.60 | 76.11 | 70.74 | 65.11 |
| Total Liabilities & Stockholders Equity | 1,650.39 | 1,617.72 | 1,646.02 | 1,623.36 | 1,972.18 | 848.41 | 702.63 | 644.80 | 643.89 |
| Book Value Per Share | 34.15 | 29.85 | 28.52 | 25.00 | 30.52 | 30.43 | 28.27 | 26.49 | 24.50 |
| Tangible Book Value Per Share | 32.21 | 27.69 | 26.12 | 22.31 | 27.37 | 30.17 | 27.98 | 26.17 | 24.14 |
| Tier 1 Capital | 205.04 | 191.89 | 182.25 | 168.54 | 149.08 | 79.75 | 74.82 | 71.17 | 65.15 |
| Tier 2 Capital | 8.81 | 8.92 | 8.74 | 5.61 | 6.01 | 5.49 | 4.24 | 4.92 | 4.04 |
| Full-Time Employees | 144 | 146 | 155 | 157 | 173 | 86 | 97 | 86 | 81 |
| Price to Book Ratio | 1.52 | 1.24 | 1.36 | 1.55 | 1.24 | 0.89 | 1.33 | 1.30 | 1.52 |
| Return on Assets | 1.18 | 1.04 | 1.18 | 1.30 | 0.71 | 1.03 | 0.99 | 1.31 | 1.05 |
| Return on Equity | 11.18 | 10.83 | 13.45 | 15.87 | 8.24 | 10.05 | 9.11 | 12.47 | 10.56 |
| Return on Invested Capital | 9.07 | 9.01 | 8.43 | 16.57 | 5.89 | 7.58 | 8.48 | 11.97 | 10.07 |
| Current Ratio | 0.09 | 0.03 | 0.04 | 0.05 | 0.43 | 0.08 | 0.07 | 0.06 | 0.06 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 22.01 | 17.45 | 14.71 | 24.85 | 14.10 | 11.15 | 9.30 | 11.26 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -0.68 | -2.16 | -0.81 | -2.16 | -1.03 | -1.90 | 0.04 | 0.49 |
| Cash from Operating Activities | - | 21.33 | 15.29 | 13.90 | 22.68 | 13.06 | 9.25 | 9.35 | 11.76 |
| Capital Expenditures | - | -0.58 | -0.73 | -1.17 | -6.90 | -1.29 | -0.20 | -0.19 | -0.85 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.05 | -0.05 | -0.10 |
| Sale of Fixed Assets and Businesses | - | 3.27 | 0.10 | 2.36 | 6.31 | 0.03 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 28.91 | 154.22 | 131.23 | -293.02 | -42.71 | -58.12 | -51.30 | 5.33 |
| Purchase of Investments | - | 0.00 | 0.00 | -83.16 | -316.35 | -74.43 | -167.36 | -79.75 | 0.00 |
| Sale Or Maturity of Investments | - | 28.91 | 154.22 | 214.39 | 23.33 | 31.72 | 109.23 | 28.44 | 5.33 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.02 | 2.19 | -3.25 | -0.19 | -0.32 | -1.33 | 0.00 | 0.60 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 1.41 | 0.00 | 153.28 | 0.00 | 1.18 | 0.00 |
| Cash from Investing Activities | - | 31.80 | 15.75 | -19.77 | -167.20 | 262.19 | -129.95 | -54.77 | -4.44 |
| Cash Dividends Paid | - | -7.60 | -7.09 | -7.07 | -6.39 | -6.41 | -3.25 | -3.14 | -2.47 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.04 | -0.56 | 0.02 | 0.02 | 0.03 | 0.00 | 0.10 | 0.27 |
| Repurchase of Common Pref Stock | - | 0.00 | -0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.04 | 0.00 | 0.02 | 0.02 | 0.03 | 0.00 | 0.10 | 0.27 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -0.24 | -49.13 | 69.96 | 0.00 | -42.58 | 30.00 | 0.00 | -34.09 |
| Change in Long Term Debt | - | 0.00 | -45.91 | 66.50 | 0.00 | -42.58 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 66.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | 0.00 | -45.91 | 0.00 | 0.00 | -42.58 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.46 | 0.00 | 0.00 | 0.00 | -0.01 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | -0.01 | 0.00 |
| Cash from Financing Activities | - | 0.38 | -42.33 | -5.88 | -324.19 | 198.89 | 136.31 | 45.63 | -6.72 |
| Net Change in Cash | - | 53.51 | -11.29 | -11.75 | -468.70 | 474.14 | 15.61 | 0.21 | 0.60 |
| Free Cash Flow | - | 20.75 | 14.56 | 12.73 | 22.14 | 11.77 | 9.05 | 9.16 | 10.91 |
| Price to Free Cash Flow | - | 16.42 | 27.57 | 32.64 | 12.46 | 33.16 | 12.67 | 16.87 | 10.45 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 5.76 | 35.70 | 8.50 | 5.80 | 6.17 | 6.00 |
| Investments | 283.33 | 282.61 | 314.99 | 318.98 | 276.53 | 295.55 |
| Net Loans | 1,239.14 | 1,225.86 | 1,229.69 | 1,229.31 | 1,226.49 | 1,233.37 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 22.10 | 17.13 | 17.59 | 17.98 | 18.44 | 19.24 |
| Interest Receivables | - | 5.87 | 5.87 | 6.21 | 6.27 | 6.27 |
| Deferred Tax Assets | 14.72 | 12.18 | 12.42 | 12.73 | 13.10 | 14.08 |
| Other Intangible Assets | 62.53 | 58.85 | 59.12 | 59.38 | 59.44 | 60.42 |
| Total Assets | 1,627.60 | 1,638.20 | 1,648.16 | 1,650.39 | 1,606.43 | 1,634.92 |
| Total Deposits | 1,399.51 | 1,409.20 | 1,426.73 | 1,431.73 | 1,384.89 | 1,389.07 |
| Total Debt | 33.95 | 29.05 | 29.40 | 29.75 | 40.08 | 71.42 |
| Long Term Debt | 33.95 | 29.05 | 29.40 | 28.10 | 39.68 | 70.61 |
| Provision for Risks Charges | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | - | - | - | 0.65 | - | - |
| Other Liabilities | 4.11 | 5.26 | 5.54 | 4.10 | 4.10 | 3.67 |
| Total Liabilities | 1,437.57 | 1,443.51 | 1,461.67 | 1,466.23 | 1,429.07 | 1,464.15 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 190.02 | 194.69 | 186.50 | 184.16 | 177.36 | 170.77 |
| Total Shareholders Equity | 190.02 | 194.69 | 186.50 | 184.16 | 177.36 | 170.77 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 190.02 | 194.69 | 186.50 | 184.16 | 177.36 | 170.77 |
| Total Liabilities & Stockholders Equity | 1,627.60 | 1,638.20 | 1,648.16 | 1,650.39 | 1,606.43 | 1,634.92 |
| Book Value Per Share | 35.01 | 35.89 | 34.39 | 34.15 | 32.89 | 31.67 |
| Tangible Book Value Per Share | 33.21 | 34.05 | 32.51 | 32.21 | 30.91 | 29.63 |
| Full-Time Employees | - | - | - | 144 | - | - |
| Price to Book Ratio | 1.52 | 1.29 | 1.12 | 1.21 | 1.23 | 1.20 |
| Return on Assets | 1.66 | 1.52 | 1.22 | 1.18 | 1.11 | 1.11 |
| Return on Equity | 14.58 | 13.57 | 11.34 | 11.18 | 10.41 | 11.01 |
| Return on Invested Capital | 2.93 | 4.03 | 2.44 | 2.81 | 2.11 | 1.76 |
| Current Ratio | 0.11 | 0.23 | 0.13 | 0.09 | 0.04 | 0.05 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 4.94 | 5.49 | 7.95 | 4.38 | 4.94 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -1.44 | 1.76 | -1.43 | 1.60 | 1.79 |
| Cash from Operating Activities | - | 3.50 | 7.24 | 6.53 | 5.98 | 6.74 |
| Capital Expenditures | - | -0.09 | -0.21 | -0.36 | 0.07 | -0.03 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.06 | 0.22 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 12.44 | 5.76 | 7.94 | 6.45 | 9.65 |
| Purchase of Investments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | - | 12.44 | 5.76 | 7.94 | 6.45 | 9.65 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.08 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 16.46 | 5.96 | 6.06 | 15.71 | 8.30 |
| Cash Dividends Paid | - | -1.95 | -1.95 | -1.94 | -1.94 | -1.94 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.00 | 0.00 | 0.04 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.04 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 0.00 | 0.00 | -10.00 | -31.00 | 41.00 |
| Change in Long Term Debt | - | 0.00 | 0.00 | -10.00 | -31.00 | 41.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | -10.00 | -31.00 | 41.00 |
| Reduction of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | - | - | - |
| Cash from Financing Activities | - | -19.48 | -6.95 | 34.94 | -37.12 | -6.09 |
| Net Change in Cash | - | 0.48 | 6.25 | 47.52 | -15.43 | 8.95 |
| Free Cash Flow | - | 3.41 | 7.04 | 6.16 | 6.04 | 6.71 |
| Price to Free Cash Flow | - | 16.28 | 11.44 | 16.44 | 20.37 | 10.27 |
Revenue breakdown
| United States | 2024: 53.97M 2025: 57.60M |
|---|---|
| Total National Commercial Banks revenue | 2024: 53.97M 2025: 57.60M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.82% | 0.0M | 4.6M | 9.88K |
| 2026-10-15 | 1.02% | 0.0M | 4.6M | 7.73K |
| 2026-09-30 | 1.10% | 0.1M | 4.6M | 6.96K |
| 2026-09-15 | 1.34% | 0.1M | 4.6M | 7.59K |
| 2026-08-31 | 1.22% | 0.1M | 4.6M | 7.44K |
| 2026-08-14 | 1.08% | 0.0M | 4.6M | 7.51K |
| 2026-07-31 | 1.13% | 0.1M | 4.6M | 7.55K |
| 2026-07-15 | 1.04% | 0.0M | 4.6M | 7.24K |
| 2026-06-30 | 0.93% | 0.0M | 4.6M | 7.22K |
| 2026-06-15 | 0.82% | 0.0M | 4.6M | 6.26K |
| 2026-05-29 | 0.61% | 0.0M | 4.6M | 8.58K |
| 2026-05-15 | 0.47% | 0.0M | 4.6M | 8.90K |
| 2026-04-30 | 0.50% | 0.0M | 4.7M | 9.27K |
| 2026-04-15 | 0.54% | 0.0M | 4.7M | 8.88K |
| 2026-03-31 | 0.62% | 0.0M | 4.7M | 9.32K |
| 2026-03-13 | 0.58% | 0.0M | 4.7M | 9.00K |
| 2026-02-27 | 0.58% | 0.0M | 4.7M | 7.44K |
| 2026-02-13 | 0.50% | 0.0M | 4.7M | 7.72K |
| 2026-01-30 | 0.44% | 0.0M | 4.7M | 7.82K |
| 2026-01-15 | 0.46% | 0.0M | 4.6M | 9.16K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-10 | 8-K | Current report | 2026-11-09 | SEC |
| 2026-10-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-28 | SEC |
| 2026-10-29 | 8-K | Current report | 2026-10-29 | SEC |
| 2026-10-08 | 8-K | Current report | 2026-10-06 | SEC |
| 2026-08-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-23 | 8-K | Current report | 2026-07-22 | SEC |
| 2026-06-29 | 8-K | Current report | 2026-06-25 | SEC |
| 2026-05-15 | 8-K | Current report | 2026-05-11 | SEC |
| 2026-05-15 | SCHEDULE 13G | SEC | ||
| 2026-05-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-04 | 8-K | Current report | 2026-05-01 | SEC |
| 2026-04-30 | DEFA14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | SEC | |
| 2026-04-30 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-06-25 | SEC |
| 2026-04-23 | 8-K | Current report | 2026-04-22 | SEC |
| 2026-03-27 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-03-27 | SCHEDULE 13G/A | SEC | ||
| 2026-03-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-25 | SEC |
| 2026-03-11 | 3 | Initial statement of beneficial ownership of securities | 2026-02-25 | SEC |
| 2026-02-05 | 8-K | Current report | 2026-01-30 | SEC |
| 2026-02-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-30 | SEC |
| 2026-02-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-30 | SEC |
| 2026-02-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-30 | SEC |
| 2026-02-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-30 | SEC |
| 2026-02-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-30 | SEC |
| 2026-02-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-30 | SEC |
| 2026-02-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-30 | SEC |
| 2026-02-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-30 | SEC |
| 2026-02-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-30 | SEC |
| 2026-02-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-30 | SEC |
| 2026-01-29 | 8-K | Current report | 2026-01-27 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 5.81% |
| ENDEAVOUR CAPITAL ADVISORS INC | 5.51% |
| Atlantic Union Bankshares Corp | 4.47% |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | 3.83% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.74% |
| ALLIANCEBERNSTEIN L.P. | 3.56% |
| STRATEGIC VALUE BANK PARTNERS LLC | 2.38% |
| Meridian Financial Partners LLC | 2.30% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.26% |
| STATE STREET CORP | 1.51% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.70% |
| iShares Russell 2000 ETF | 2.31% |
| Fidelity Small Cap Index Fund | 0.99% |
| iShares Russell 2000 Value ETF | 0.97% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.96% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.51% |
| ROYCE MICRO-CAP TRUST, INC. | 0.49% |
| Fidelity Extended Market Index Fund | 0.44% |
| North Star Micro Cap Fund | 0.41% |
| North Star Dividend Fund | 0.35% |
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