Virginia National Bankshares Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Virginia National Bankshares Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 14%
Sales fell 14% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-14% / +2%In 3 years sales changed by -14% while total assets changed by +2%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 78% of Financial Services companies in United States.
Tangible Net Worth Ratio
94%Of every $100 of net worth, $94 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 75% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Virginia National Bankshares Corporation owes $0.88 for every $1 it owns. Net profit rose 14% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
11.0Investors pay $11.0 for every $1 of Virginia National Bankshares Corporation's yearly profit, lower than 69% of Financial Services companies in United States.
P/B ratio
1.40The share price is 1.40 times Virginia National Bankshares Corporation's book value per share, higher than 61% of Financial Services companies in United States.
Market cap
$272 MThe total market value of all of Virginia National Bankshares Corporation's shares at today's price (share price × number of shares), smaller than 76% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$195 MWhat Virginia National Bankshares Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$35.88Net worth divided by the number of shares. The share price of $50.08 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
13.6%Virginia National Bankshares Corporation earned 13.6% on its shareholders' money over the last year, higher than 70% of Financial Services companies in United States.
Owes vs Owns
0.88×Virginia National Bankshares Corporation owes $0.88 for every $1 it owns (high), higher than 66% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.94%Virginia National Bankshares Corporation pays 2.94% of its share price as dividends a year, higher than 52% of dividend-paying Financial Services companies in United States.
Revenue growth
+9%Revenue rose 9% in the year to Dec 2025, and shrank 5% a year on average over 3 years.
Profit growth
+14%Net profit rose 14% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Profit margin
33.4%Virginia National Bankshares Corporation keeps $33 of every $100 of revenue as net profit.
Questions
What is Virginia National Bankshares Corporation's P/E ratio?
Investors pay $11.0 for every $1 of Virginia National Bankshares Corporation's yearly profit, lower than 69% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Virginia National Bankshares Corporation: $272 M ÷ $195 M (30 Jun 2026) = 1.4.
What is Virginia National Bankshares Corporation's return on equity?
Virginia National Bankshares Corporation earned 13.6% on its shareholders' money over the last year, higher than 70% of Financial Services companies in United States.
How much does Virginia National Bankshares Corporation owe compared with what it owns?
Virginia National Bankshares Corporation owes $0.88 for every $1 it owns (high), higher than 66% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Virginia National Bankshares Corporation pay a dividend?
Yes. Virginia National Bankshares Corporation pays 2.94% of its share price as dividends a year, higher than 52% of dividend-paying Financial Services companies in United States.
Is Virginia National Bankshares Corporation's revenue growing?
Revenue rose 9% in the year to Dec 2025, and shrank 5% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.