Virginia National Bankshares Q4 net income $4.6M ($0.85 EPS) vs $3.2M ($0.59) YoY; loans up 13%

Virginia National Bankshares Corp

2024-FY EPS reported $3.15

Q4 2024 net income $4.6M, diluted EPS $0.85, up from $3.2M ($0.59) in Q4 2023.
Full-year 2024 net income $17.0M ($3.15 diluted EPS), down from $19.3M ($3.58) in 2023.
Gross loans reached $1.2B (+13.1% YoY); FHLB borrowings reduced $46.5M.
Net interest margin (FTE) improved to 3.21% from 2.89%; efficiency ratio 60.2% vs 64.0%.
ROAA increased to 1.12% and ROAE to 10.98% in Q4 2024.

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