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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.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
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