Virginia National Bankshares (VABK) Cash Flow: Operating & Free Cash Flow

Virginia National Bankshares Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Cash flow statement showing operating, investing, and financing activities for Virginia National Bankshares Corporation (VABK) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	19.26	16.97	19.26	23.44	10.07	7.98	6.69	8.47	6.55
Depreciation & Amortization	3.99	4.26	4.77	5.09	4.40	1.96	1.20	1.23	1.25
Deferred Income Tax	0.35	-0.01	-0.47	-0.14	0.70	-0.21	0.09	-0.23	0.77
Stock Based Compensation	0.97	0.97	0.73	0.69	0.52	0.26	0.53	0.07	0.01
Change in Working Capital	-0.68	-2.16	-0.81	-2.16	-1.03	-1.90	0.04	0.50	-0.27
Change in Accounts Receivable	0.68	-1.36	0.05	-0.83	-2.61	-0.95	0.55	0.91	-0.51
Change in Accounts Payable	-1.35	-0.80	-0.86	-1.34	1.57	-0.95	-0.50	-0.42	0.24
Change in Other Working Capital	-1.35	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Operating Activities	-2.35	-4.73	-9.57	-4.22	-1.60	1.17	0.79	1.74	0.48
Net Cash from Operating Activities	21.33	15.29	13.90	22.69	13.07	9.25	9.35	11.76	8.80
Investing Activities
Capital Expenditures	-0.58	-0.73	-1.17	-0.55	-1.29	-0.20	-0.19	-0.85	-0.46
Acquisitions	0.00	0.00	0.00	0.00	153.28	-0.05	-0.05	-0.10	-0.30
Purchases of Investments	0.00	0.00	-83.16	-316.35	-74.43	-167.36	-79.75	0.00	-45.29
Sales/Maturities of Investments	28.91	154.22	214.39	22.72	31.72	109.23	28.44	5.94	34.02
Other Investing Activities	3.47	-137.74	-149.83	126.98	152.91	-71.58	-3.22	-9.43	-49.29
Net Cash from Investing Activities	31.80	15.75	-19.77	-167.20	262.19	-129.95	-54.77	-4.44	-61.32
Financing Activities
Debt Repayment	-0.24	-49.13	66.50	0.00	-42.58	30.00	0.00	-15.00	15.00
Common Stock Issued	0.04	0.00	0.02	0.02	0.03	0.00	0.00	0.00	0.00
Common Stock Repurchased	0.00	-0.56	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Dividends Paid	-7.60	-7.09	-7.07	-6.39	-6.41	-3.25	-3.14	-2.47	-1.39
Other Financing Activities	8.19	14.45	-65.33	-317.82	247.85	109.55	48.78	10.75	18.68
Net Cash from Financing Activities	0.38	-42.33	-5.88	-324.19	198.89	136.31	45.63	-6.72	32.30
Summary
Net Change in Cash	53.51	-11.29	-11.75	-468.70	474.15	15.61	0.21	0.60	-20.22
Cash at Beginning of Period	17.10	28.39	40.14	508.84	34.70	19.09	18.87	18.28	38.50
Cash at End of Period	70.61	17.10	28.39	40.14	508.84	34.70	19.09	18.87	18.28
Free Cash Flow	20.75	14.56	12.73	22.14	11.77	9.05	9.16	10.91	8.33
Supplemental Disclosures
Interest Paid	-	29.77	22.15	3.20	3.27	-	-	-	-
Income Taxes Paid	-	3.58	3.81	4.45	1.22	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Virginia National Bankshares Cash Flow

What is Virginia National Bankshares's free cash flow?

Virginia National Bankshares generated free cash flow of $20.75M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $21.33M minus $582.00K of capital expenditures. That was up 42.6% from $14.56M a year earlier. Free cash flow equaled 36.0% of revenue.

How much does Virginia National Bankshares spend on capital expenditures?

Virginia National Bankshares spent $582.00K on capital expenditures in fiscal 2025, compared with $733.00K a year earlier. That equals 2.7% of operating cash flow.

Does Virginia National Bankshares pay dividends or buy back shares?

Yes. In fiscal 2025 Virginia National Bankshares returned $7.60M in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition