Is Virginia National Bankshares Corp. overvalued or undervalued?

As of 24 July 2025, the valuation grade for Virginia National Bankshares Corp. moved from fair to very attractive, indicating a shift towards a more favorable assessment. The company appears undervalued, supported by a P/E ratio of 11, which is significantly lower than the peer average of approximately 12.61, and an EV to EBITDA ratio of 8.76, also below the industry standard. Additionally, the Price to Book Value stands at 1.19, suggesting that the stock is trading at a reasonable valuation compared to its book value.
In comparison to its peers, Community West Bancshares has a P/E ratio of 15.19, while Bankwell Financial Group, Inc. shows a P/E of 17.22, highlighting Virginia National Bankshares Corp.'s relative undervaluation. Despite recent stock performance showing a decline of 1.95% over the past year compared to a 17.14% gain in the S&P 500, the long-term perspective is more favorable, with a 5-year return of 65.19% against the S&P 500's 96.61%, reinforcing the potential for value appreciation.