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VABK

Virginia National Bankshares Corporation

Financial Services · $265M market cap

Verdict

Share price

$47.06

close of Oct 3, 2026

Fair value

$71.94

Sticker Price

Payback Price

$28.77

buy price

Undervalued

VABK is Undervalued: at $47.06 it trades 35% below its fair value of $71.94. Its buy price (Payback Price) is $28.77, 39% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth14.5% a year✓
Equity per share growth6.1% a year✗
Sales growth8.0% a year✗
Free cash flow growth9.4% a year✗
Return on invested capital5.2%✗

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About Virginia National Bankshares Corporation

Virginia National Bankshares Corporation operates as the parent entity for Virginia National Bank, delivering a comprehensive suite of commercial banking solutions. Its operations are structured into four distinct divisions: the primary banking segment, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. The institution provides a diverse range of deposit products, including checking…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works