Is 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.