Is 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.