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Virginia National Bankshares Corporation (VABK) Fair Value & Analysis

Financial Services · US · Market cap $245M

Price$45.49
Fair Value$46.18
Upside+1.5%
Quality95/100
Evidence: High Range $34.63 – $57.72

Fair value as of: Jun 26, 2026

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Analysis

Virginia National Bankshares Corporation (VABK) currently trades at $45.49, while our model-based Fair Value estimate is $46.18 — implying the stock looks roughly 1.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking products and services in Virginia. It operates through two segments: Bank and VNB Trust and Estate Services. The company 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 loans, real estate construction and land loans, commercial real estate loans, 1-4 family residential mortgages, and commercial 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; merchant and debit card services; and investment advisory and management services. Further, the company offers investment management, wealth man…

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Frequently asked questions

Is Virginia National Bankshares Corporation (VABK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $46.18 versus a price of $45.49 — about +2% (undervalued). Model-based estimate, not financial advice.
What is the fair value of VABK?
Our 21-model fair value for Virginia National Bankshares Corporation is $46.18 (as of Jun 26, 2026), built from audited fundamentals. The current price is $45.49.
What is the quality score of VABK?
Virginia National Bankshares Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.