)
Virginia National Bankshares (VABK) investor relations material
Virginia National Bankshares Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q1 2026 was $5.3 million ($0.97 per diluted share), up 17.2% year-over-year from $4.5 million ($0.83 per share).
Performance driven by a 19 bps reduction in cost of funds and lower noninterest expense.
Quarterly cash dividend of $0.36 per share declared, annualized yield of 3.50%.
Financial highlights
Net interest income rose 5.0% to $12.9 million compared to Q1 2025.
Noninterest income fell 15.4% due to lower card/ATM fees and absence of prior year asset sale gains.
Noninterest expense decreased 7.1%, reflecting lower data processing costs.
Book value per share increased to $34.39, tangible book value to $32.51.
Outlook and guidance
Management emphasizes continued focus on pricing, asset quality, and operational efficiency.
Strong capital and liquidity positions support lending and retail activities.
- Earnings and efficiency improved, with strong asset quality and higher book value per share.VABK
Q4 202529 Jan 2026 - 2025 meeting covers director elections, executive pay, stock plan, and auditor ratification.VABK
Proxy Filing2 Dec 2025 - Q3 2025 net income steady at $4.6M; margins, efficiency, and asset quality remain strong.VABK
Q3 202512 Nov 2025 - Earnings fell on higher funding costs, but loan growth and capital strength remained solid.VABK
Q2 202413 Oct 2025 - Q2 2025 delivered steady earnings, higher loan balances, and improved efficiency despite lower fee income.VABK
Q2 202512 Aug 2025 - Q3 net income steady at $4.6M, with strong loan growth and improved efficiency.VABK
Q3 202413 Jun 2025 - Net income up 23% and dividend raised 9.1%, reflecting strong loan growth and efficiency.VABK
Q1 20256 Jun 2025 - Q4 2024 net income up 44% year-over-year on strong loan growth and lower funding costs.VABK
Q4 20245 Jun 2025
Next Virginia National Bankshares earnings date
Next Virginia National Bankshares earnings date
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
Frequently asked questions
Explore our global coverage