Price Point
ScoreDashboard
High Profitability with a Net Interest Margin of 14.88%
The Bank has a high Capital Adequacy Ratio of 16.60% signifying high buffers against its risk based assets
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 20.26%
Positive results in Jun 25
With ROA of 0.70%, it has a fair valuation with a 1.19 Price to Book Value
High Institutional Holdings at 45.52%
Consistent Underperformance against the benchmark over the last 3 years
Total ReturnsTotal Returns (Price + Dividend) 
Virginia National Bankshares Corp. for the last several years.
Risk Adjusted Returns v/s
News & Corporate ActionsNews
Is Virginia National Bankshares Corp. overvalued or undervalued?
As of 28 November 2025, Virginia National Bankshares Corp. has moved from an attractive to a fair valuation grade. The company appears to be overvalued based on its current metrics. Key ratios include a P/E ratio of 11, a Price to Book Value of 1.19, and an EV to EBITDA of 8.76, which are below the industry averages. In comparison, Community West Bancshares has a P/E of 15.19, while Bankwell Financial Group, Inc. has a fair valuation with a P/E of 17.22, indicating that Virginia National is lagging behind its peers. Despite a recent stock return of 6.28% year-to-date, which is significantly lower than the S&P 500's 16.45% return, the longer-term performance shows a stark contrast, with a 3-year return of 16.17% compared to the S&P 500's 72.78%. This suggests that while the stock has had some short-term gains, it has underperformed relative to broader market benchmarks over longer periods, reinforcing the v...
Read MoreIs Virginia National Bankshares Corp. overvalued or undervalued?
As of 28 November 2025, the valuation grade for Virginia National Bankshares Corp. has moved from attractive to fair. The company is currently fairly valued based on its financial metrics. Key ratios include a P/E ratio of 11, a Price to Book Value of 1.19, and an EV to EBITDA of 8.76. In comparison to peers, Community West Bancshares has a higher P/E of 15.19, while Colony Bankcorp, Inc. shows a lower P/E of 10.86. In terms of stock performance, Virginia National Bankshares has underperformed against the S&P 500 over the longer term, with a 3-year return of 16.17% compared to the S&P 500's 72.78%. This suggests that while the company is fairly valued, its growth potential may not be as strong as that of the broader market....
Read MoreIs Virginia National Bankshares Corp. overvalued or undervalued?
As of 21 November 2025, the valuation grade for Virginia National Bankshares Corp. moved from fair to attractive, indicating a positive shift in its valuation outlook. The company appears undervalued, supported by a P/E ratio of 11, a price to book value of 1.19, and an EV to EBITDA ratio of 8.76. In comparison to peers, Community West Bancshares has a higher P/E of 15.19, while Colony Bankcorp, Inc. has a lower EV to EBITDA of 10.86, highlighting Virginia National's relative valuation attractiveness. Despite recent stock performance lagging behind the S&P 500, with a year-to-date return of 2.46% compared to 12.26%, the long-term outlook remains promising, particularly with a 5-year return of 55.32% against the S&P's 85.61%. This suggests that while current performance may not reflect its valuation, the company's fundamentals indicate potential for future growth....
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Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned ShareholdingShareholding Snapshot : Mar 2025
Shareholding Compare (%holding)
Domestic Funds
Held in 20 Schemes (15.57%)
Held by 15 Foreign Institutions (5.06%)
Financial
Company CVAbout Virginia National Bankshares Corp.
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