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Virginia National Bankshares (VABK) investor relations material
Virginia National Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for Q3 2025 was $4.6 million ($0.84 per diluted share), nearly flat compared to Q3 2024, while year-to-date net income rose to $13.3 million ($2.45 per diluted share), up from $12.4 million ($2.30 per diluted share) year-over-year.
Improved key performance indicators: return on average assets, return on average equity, net interest margin, and efficiency ratio all increased sequentially from Q2 2025.
Quarterly cash dividend of $0.36 per share declared, annual yield of 3.63%.
Financial highlights
Net interest income for Q3 2025 was $13.1 million, up 8.7% year-over-year, driven by lower interest expense and higher loan/federal funds income.
Net interest margin (FTE) improved to 3.43% from 3.24% year-over-year.
Noninterest income fell 7.0% year-over-year, mainly due to lower wealth management and debit card fees.
Noninterest expense rose 5.8% year-over-year, with increases in franchise taxes, FDIC insurance, professional fees, and IT investments.
Book value per share increased to $32.89, and tangible book value per share to $30.90, both up year-over-year.
Outlook and guidance
Management expects continued focus on credit quality and operational efficiency, with stable or improving key performance metrics.
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Next Virginia National Bankshares earnings date
Q4 202526 Jan, 2026
Next Virginia National Bankshares earnings date
Q4 202526 Jan, 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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