Virginia National Bankshares Corp (VABK)
National Commercial Banks · Financial Services · $240M
Intrinsic Value (Consensus)
$65.77
Current Price
$44.19
Margin of Safety
+48.8%
48.8% Below Intrinsic Value
Value: $66
Price: $44
Valuation Model Estimates
Current Price: $44.19
DCF (Discounted Cash Flow)
$105.52
Graham Number
$52.08
Earnings Power Value
$34.47
Relative Value (P/E)
$71.00
Dividend Discount Model
Not applicable
—
Consensus Value
$65.77
Model Assumptions
Discount Rate
10.3%
Growth Rate
12.7%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
67
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
High free cash flow yield (8.7%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.55
- EPS (Forward)
- $4.00
- Book Value
- $33.96
- P/E Ratio
- 20.0
- Forward P/E
- 17.7
- PEG Ratio
- —
- ROE
- 10.5%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 12.7%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance