Virginia National Bankshares Q4 net income $6.0M, EPS $1.10; declares $0.36 dividend

Virginia National Bankshares Corp

2025-FY EPS reported $3.55

Q4 2025 net income $6.0M ($1.10 diluted EPS), up from $4.6M ($0.85) in Q4 2024.
FY 2025 net income $19.3M ($3.55 diluted EPS), vs $17.0M ($3.15) for FY 2024.
Quarterly cash dividend of $0.36 per share declared, payable Feb 27, 2026 to holders of record Feb 13, 2026.
Net interest margin (FTE) improved to 3.50% from 3.43% QoQ; efficiency ratio improved to 49.5% from 57.9%.
Deposits increased $46.8M (3.4%) from Q3 2025; gross loans $1.2B, modest growth.

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