Virginia National Bankshares's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Virginia National Bankshares (VABK) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Virginia National Bankshares vs Its Competitors
- TTM: Trailing 12-month revenue of 63M vs 756,396M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+23.3% annualized vs trailing 12 months), vs accelerating (+9.7%) for its tracked peer group.
- Growth: Virginia National Bankshares generated 38.6% revenue growth year over year in Q2 2026, vs 25.0% for its tracked competitors combined.
- Profitability: Its 46.1% net margin compares with 29.0% for the peer group.
- Scale: Virginia National Bankshares ranks #73 of 83 companies by market capitalization in the Commercial Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: Virginia National Bankshares accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.44M compares with $0.51M for the peer group (0.9x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
VABK Sales vs. its Competitors, Q2 2026
Virginia National Bankshares reported revenue growth of 38.61 % year on year in Q2 2026, above its competitors' combined revenue growth of 25.04 %.
With a net margin of 46.08 %, Virginia National Bankshares achieved higher profitability than its competitors (28.95 %).
Virginia National Bankshares generated 0.01 % of the combined sales of its peer group, up from 0.01 % a year earlier.
Virginia National Bankshares vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Virginia National Bankshares and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Virginia National Bankshares Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (10) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Virginia National Bankshares's competitor groups requires a Commercial License.
For context: the Commercial Banks industry grew revenue 44.1% year over year, combined, vs 38.6% for Virginia National Bankshares. Virginia National Bankshares's share of combined industry revenue moved from 0.01% to 0.01%, a gain of 0.00 percentage points.
Virginia National Bankshares's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Virginia National Bankshares Corp | Yes | Yes | No | No |
| Competitors combined (182) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
VABK Stock Performance relative to its Competitors
VABK Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Community Ban corp | 282.9% | Outperformed |
| 4 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
| 5 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Virginia National Bankshares's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Virginia National Bankshares's Comment on Competition and Industry Peers
In addition to competing with other commercial banks within and outside its primary service areas, the Company competes with other financial institutions engaged in the business of making loans or accepting deposits, such as credit unions, insurance companies, small loan companies, finance companies, mortgage companies, certain governmental agencies and other enterprises. Competition for funds from securities brokers and mutual funds for money market accounts is strong. Additional competition for deposits comes from government and private issues of debt obligations and other investment alternatives for depositors such as money market funds.
The market areas served by the Company are highly competitive with respect to banking. Competition for loans to small businesses and professionals is intense, and pricing is important. Many of the Company’s competitors have substantially greater resources and lending limits than the Company and offer certain services such as extensive and established branch networks that the Company does not expect to match. Deposit competition is also very strong. Management believes, however, that a market exists for the personal and customized financial services an independent, locally owned bank can offer.
Publicly Traded Peers of Virginia National Bankshares Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Virginia National Bankshares Corp | 264.59 | 63.43 |
| Jpmorgan Chase and Co | 911,205.38 | 186,328.00 |
| Bank Of America Corporation | 404,281.04 | 121,098.00 |
| Wells Fargo and Company | 248,842.75 | 83,940.00 |
| Citigroup inc | 234,201.12 | 88,262.00 |
| Capital one financial corp | 122,480.92 | 51,099.00 |
| SUBTOTAL | 2,851,922.36 | 858,578.38 |
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Sources: Virginia National Bankshares Corp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Virginia National Bankshares Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Virginia National Bankshares's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Virginia National Bankshares's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Virginia National Bankshares Corp | 265 | 440,472 | 172,229 |
| Jpmorgan Chase and Co | 911,205 | 584,995 | 200,752 |
| Bank Of America Corporation | 404,281 | 568,535 | 158,005 |
| Wells Fargo and Company | 248,843 | 351,213 | 95,100 |
| Citigroup inc | 234,201 | 390,540 | 72,049 |
| Capital one financial corp | 122,481 | 669,712 | 137,615 |
| PEERS TOTAL | 2,851,658 | 508,274 | 133,831 |
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Virginia National Bankshares's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Virginia National Bankshares's Position in Industry Market Structure
Market-capitalization share and concentration across all 81 companies in Virginia National Bankshares's industry classification, broader than the peer set above. Market cap in millions of $.Virginia National Bankshares ranks #73 of 81 companies by market capitalization in its industry, holding 0.01 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,898, indicating a moderately concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Jpmorgan Chase and Co | 911,205 | 37.03 % |
| 2 | Bank Of America Corporation | 404,281 | 16.43 % |
| 3 | Wells Fargo and Company | 248,843 | 10.11 % |
| 4 | Citigroup inc | 234,201 | 9.52 % |
| 5 | Capital one financial corp | 1,234 | 5.2% |
| 6 | Us Bancorp De | 1,234 | 5.2% |
| 7 | Pnc Financial Services Group Inc | 1,234 | 5.2% |
| 8 | Truist Financial Corporation | 1,234 | 5.2% |
| 9 | Huntington Bancshares Incorporated | 1,234 | 5.2% |
| 10 | Mizuho Financial Group Inc | 1,234 | 5.2% |
| 73 | Virginia National Bankshares Corp | 265 | 0.01 % |
Market cap and industry share for the rest of Virginia National Bankshares's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-29.
Virginia National Bankshares's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 68 | First United Corporation | 285 | 15.82 % |
| 69 | Ames National Corporation | 284 | 56.37 % |
| 70 | National Bankshares Inc | 269 | 38.19 % |
| 71 | Lcnb Corp | 267 | 20.05 % |
| 72 | Hawthorn Bancshares Inc | 1,234 | 12.3% |
| 73 | Virginia National Bankshares Corp | 265 | 25.36 % |
| 74 | Meridian Corp | 1,234 | 12.3% |
| 75 | Community Ban corp | 1,234 | 12.3% |
| 76 | Cf Bankshares Inc | 1,234 | 12.3% |
| 77 | Optimumbank Holdings Inc | 1,234 | 12.3% |
| 78 | Landmark Bancorp Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Virginia National Bankshares's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-29. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Virginia National Bankshares's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Commercial Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (46 companies). See the full Commercial Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 65.76 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 80.01 % | 50.98 % (avg) | +29.0 pp |
| Capital Intensity (Capex / Revenue) | - | 1.97 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Virginia National Bankshares's Valuation vs Competitive Position
Valuation multiples vs the Commercial Banks industry average (46 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Commercial Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 9.7x | 15.4x | -5.7x |
| EV / EBITDA | 4.2x | 6.3x | -2.1x |
| P/B | 1.3x | 1.3x | +0.0x |
| Return on Equity | 13.36 % | industry aggregate | 0.44 % |
| Return on Invested Capital | - | 3.36 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Virginia National Bankshares's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -1.07 % | -1.71 % | 10.43 % | 88.88 % | 23.26 % | -14.55 % | -4.83 % | 5.32 % |
| Operating Margin | 39.69 % | 31.48 % | 34.84 % | 21.89 % | 42.54 % | 40.59 % | 38.30 % | 41.91 % |
| Return on Invested Capital | 7.68 % | 5.50 % | 6.31 % | 4.13 % | 2.71 % | 1.34 % | 1.18 % | 6.59 % |
| P/E | 11.6x | 15.0x | 9.2x | 17.4x | 8.1x | 9.9x | 12.5x | 11.4x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Virginia National Bankshares's BCG Growth-Share Matrix
Relative market share (vs Virginia National Bankshares's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Virginia National Bankshares falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 13.0% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution. A caveat worth reading alongside this chart: Jpmorgan Chase and Co alone holds 37% of this industry's market cap. In an industry this dominated by one leader, the framework will place nearly every OTHER company in "Dog" or "Question Mark" purely because relative share is measured against that leader, regardless of how strong those other companies actually are on their own fundamentals. Check the Profitability, Valuation and Financial Strength sections above before treating this quadrant label as a verdict.
Virginia National Bankshares's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,898 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Virginia National Bankshares's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Virginia National Bankshares's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Virginia National Bankshares's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Virginia National Bankshares falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Virginia National Bankshares's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+23.3% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Low relative market share vs the industry leader (0.00x).
Opportunities
- Industry revenue growing at a healthy 13.0% median pace.
Threats
- Industry dominated by Jpmorgan Chase and Co, holding 37.03 % of industry market cap.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Virginia National Bankshares's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Virginia National Bankshares Corp | 0.05 | 1.41 | 0.15 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Virginia National Bankshares's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Virginia National Bankshares Corp | Q2 2026 | +38.6 % | +112.6 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +23.8 % | +46.8 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Virginia National Bankshares's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Virginia National Bankshares Corp | Q2 2026 | +7,600.0 % | +250.0 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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Virginia National Bankshares's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Virginia National Bankshares Corp | 1.52% | 4.43% | 13.36% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Virginia National Bankshares's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Virginia National Bankshares Corp | 10.64 | 4.17 |
| Jpmorgan Chase and Co | 14.24 | 4.89 |
| Bank Of America Corporation | 12.77 | 3.34 |
| Wells Fargo and Company | 11.83 | 2.96 |
| Citigroup inc | 16.40 | 2.65 |
| Capital one financial corp | 11.74 | 2.40 |
| PEERS AVERAGE | 12.61 | 3.32 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.