Is Virginia National Bankshares Corp. overvalued or undervalued?

As of 7 November 2025, the valuation grade for Virginia National Bankshares Corp. has moved from fair to attractive, indicating a positive shift in its valuation outlook. The company appears undervalued based on key metrics, including a P/E ratio of 11, which is lower than the peer average of 12.61, and an EV to EBITDA ratio of 8.76, suggesting it is trading at a discount relative to its earnings potential. Additionally, the Price to Book Value stands at 1.19, which is competitive within the industry.
In comparison to its peers, Community West Bancshares has a higher P/E ratio of 15.19, while Colony Bankcorp, Inc. shows an attractive valuation with an EV to EBITDA of 10.86. The recent stock performance shows that Virginia National Bankshares Corp. has underperformed the S&P 500 year-to-date, with a return of 2.09% compared to the index's 14.40%. However, over the last five years, the stock has returned 60.89%, although this is still below the S&P 500's 91.73% return, reinforcing the notion that the stock may be undervalued relative to its growth potential.