Is Virginia National Bankshares Corp. overvalued or undervalued?

As of 10 October 2025, the valuation grade for Virginia National Bankshares Corp. has moved from very attractive to attractive. The company appears to be fairly valued 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 EBIT of 10.91.
In comparison to its peers, Virginia National Bankshares Corp. has a lower P/E ratio than Community West Bancshares at 15.19 and Bankwell Financial Group, Inc. at 17.22, indicating it may be undervalued relative to these competitors. However, it is more expensive than Colony Bankcorp, Inc. with a P/E of 10.86 and Parke Bancorp, Inc. at 8.89. Despite the company's recent stock performance lagging behind the S&P 500 over the past year, with a return of -0.97% compared to the S&P 500's 13.36%, its long-term performance over five years shows a return of 57.46%, suggesting potential for recovery.