US · VABK
Virginia National Bankshares Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Charlottesville, VA 22911
- Website
- vnb.com
Price · as of 2025-12-31
$42.66
Market cap 208.82M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $221.98 | +420.35% |
| Intrinsic Value(DCF) | $31.04 | -27.24% |
| Graham-Dodd Method(GD) | $50.60 | +18.62% |
| Graham Formula(GF) | $31.80 | -25.47% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $9.76 | $191.48 | $26.84 | $20.40 | $0.00 |
| 2012 | $10.39 | $48.06 | $11.15 | $29.91 | $66.50 |
| 2013 | $13.35 | $45.70 | $43.94 | $29.13 | $50.04 |
| 2014 | $14.83 | $53.87 | $31.23 | $20.19 | $0.00 |
| 2015 | $16.00 | $121.43 | $32.91 | $21.00 | $15.51 |
| 2016 | $21.54 | $44.06 | $39.95 | $27.20 | $42.31 |
| 2017 | $28.81 | $38.51 | $48.69 | $29.07 | $57.25 |
| 2018 | $29.75 | $38.89 | $34.06 | $28.40 | $56.20 |
| 2019 | $25.18 | $52.22 | $53.31 | $23.08 | $24.53 |
| 2020 | $25.09 | $30.92 | $56.03 | $27.11 | $43.68 |
| 2021 | $29.68 | $31.10 | $1,541.00 | $20.36 | $149.35 |
| 2022 | $34.41 | $36.50 | $2,775.67 | $27.60 | $116.63 |
| 2023 | $27.00 | $49.67 | $1,623.46 | $25.29 | $73.95 |
| 2024 | $34.29 | $26.96 | $36.94 | $24.40 | $38.98 |
| 2025 | $40.19 | $221.98 | $25.56 | $50.60 | $31.80 |
AI valuation
Our deep-learning model estimates Virginia National Bankshares Corporation's (VABK) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $221.98
- Current price
- $42.66
- AI upside
- +420.35%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$31.04
-27.24% upside
Graham-Dodd
$50.60
+18.62% upside
Graham Formula
$31.80
-25.47% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| VABK | Virginia National Banksha… | $42.66 | 208.82M | +420% | -27% | +19% | -25% | 11.24 | 1.18 | 2.60 | 10.25 | 88.55 | 1.25 | 68.95% | 28.90% | 23.11% | 11.18% | 10.28% | 1.18% | 0.20 | 0.94 | 0.01 | 0.01 | 1.25 | 1270.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 10.25 | — | 2.96 | -0.22 |
| AVBH | Avidbank Holdings, Inc. | $28.88 | 251.32M | +397% | +5,854% | +84% | -50% | -11.16 | 0.78 | 2.94 | -6.67 | -88.00 | 0.78 | 34.79% | -34.77% | 32.32% | -8.37% | -2.98% | -0.80% | 0.08 | -0.61 | — | — | -0.41 | 1268.00% | -380.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 91.95% | -8.89 | — | 3.09 | 0.12 |
| BPRN | Princeton Bancorp, Inc. | $33.97 | 229.84M | +414% | -31% | +51% | +11% | 12.49 | 0.86 | 1.67 | -1.86 | 16.69 | 0.92 | 55.83% | 17.04% | 13.39% | 6.99% | 72.14% | 0.81% | 0.00 | 0.43 | 1.93 | 1.93 | -5.73 | 7484.00% | 602.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 53.77% | -1.86 | — | -0.32 | 0.79 |
| CFFI | C&F Financial Corporation | $72.82 | 235.81M | +359% | +82% | +68% | +121% | 8.96 | 0.92 | 1.30 | 10.74 | 23.62 | 0.92 | 69.46% | 17.77% | 14.42% | 11.05% | 9.11% | 1.01% | 0.43 | 0.73 | — | — | 3.43 | 3794.00% | 1178.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 10.74 | — | 1.91 | 0.16 |
| FCCO | First Community Corporati… | $28.82 | 221.62M | +60% | -11% | -39% | +109% | 12.37 | 1.19 | 1.75 | 6.91 | 73.74 | 1.33 | 61.24% | 18.04% | 14.16% | 10.13% | 84.56% | 0.74% | 0.84 | 0.48 | 0.09 | 0.09 | -1.48 | 1677.00% | 2578.00% | -1238.00% | 5.66% | 0.01 | 59.23% | 2.56% | 31.60% | 63.90% | 7.64 | 13.89 | 1.38 | -0.81 |
| FRAF | Franklin Financial Servic… | $51.48 | 230.58M | +684% | +997% | +18% | +127% | 11.22 | 1.43 | 1.78 | 9.07 | 12.63 | 1.43 | 64.34% | 19.67% | 15.89% | 13.65% | 388.83% | 1.93% | 0.00 | 0.59 | — | — | 0.00 | 8884.00% | 1732.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 7.91% | 9.07 | — | 1.78 | — |
| FSFG | First Savings Financial G… | $33.98 | 238.37M | -14% | -33% | -25% | -27% | 14.76 | 1.13 | 1.49 | 14.70 | 22.24 | 1.22 | 50.14% | 10.87% | 10.11% | 8.29% | 5.13% | 0.57% | 1.98 | 0.23 | 0.17 | 0.17 | 17.53 | 6639.00% | 458.00% | 20371.00% | 45.11% | 0.05 | 34.19% | 2.02% | 29.80% | 43.26% | 17.08 | 2.76 | 1.86 | -0.55 |
| FUNC | First United Corporation | $35.47 | 230.45M | +27% | -22% | -18% | +117% | 9.83 | 1.13 | 1.81 | 7.73 | 24.57 | 1.21 | 68.75% | 24.36% | 18.40% | 12.06% | 10.55% | 1.06% | 1.05 | 0.85 | 0.10 | 0.10 | 3.53 | 4000.00% | 1694.00% | -795.00% | 10.07% | 0.01 | 10.44% | 2.66% | 26.10% | 4.65% | 8.81 | 11.79 | 2.15 | -0.60 |
| FVCB | FVCBankcorp, Inc. | $15.44 | 279.08M | +354% | -1% | +30% | +35% | 12.68 | 1.10 | 2.29 | 4.94 | 26.67 | 1.14 | 53.93% | 23.15% | 18.07% | 9.02% | 24.85% | 0.98% | 0.07 | 0.52 | 0.14 | 0.14 | 0.46 | 4756.00% | 937.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 4.94 | — | 1.14 | -0.32 |
| HWBK | Hawthorn Bancshares, Inc. | $32.99 | 227.55M | +708% | +32% | +23% | +6% | 9.95 | 1.44 | 2.11 | 8.14 | 31.67 | 1.44 | 71.33% | 25.96% | 21.23% | 15.14% | 26.97% | 2.61% | 0.00 | 0.92 | — | — | 0.00 | 3142.00% | 220.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 34.07% | 8.14 | — | 2.11 | — |
| LCNB | LCNB Corp. | $16.99 | 241.03M | +415% | -14% | +25% | -31% | 10.55 | 0.89 | 1.96 | 3.96 | 15.50 | 1.40 | 72.26% | 22.66% | 18.61% | 8.77% | 10.99% | 1.02% | 0.43 | 0.87 | 0.55 | 0.55 | 3.55 | 6804.00% | -94.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 10.44% | 3.96 | — | 0.90 | 0.16 |
About Virginia National Bankshares Corporation
Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial banking services. The company operates through four segments: Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. It provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. The company also offers commercial and industrial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. In addition, it provides automated teller machines, internet banking, treasury, and cash management services, as well as merchant and debit card services; and wealth and investment advisory, brokerage, insurance, consulting, and related services. Further, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations. As of December 31, 2021, the company operated sixteen full-service banking facilities in the cities of Charlottesville, Manassas, Richmond, and Winchester, as well as the counties of Albemarle, Fauquier, and Prince William. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia.
- CEO
- Glenn W. Rust
- Employees
- 239
- Beta
- 0.43
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($31.04 ÷ $42.66) − 1 = -27.24% (DCF, example).