Virginia National Bankshares (FRA:71F) Cyclically Adjusted FCF per Share: €3.15 (As of Mar. 2026)

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FRA:71F Virginia National Bankshares Corp FRA:71F
64 GF Score
Price €36.20
GF Value €30.79
! 4 Warning Signs
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What is Virginia National Bankshares Cyclically Adjusted FCF per Share?

Virginia National Bankshares FRA:71F +0.56% 64 Cyclically Adjusted FCF per Share is €3.15 as of Mar. 2026. GuruFocus rates FRA:71F with a GF Score™ of 64/100 and a GF Value™ of €30.79. The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Virginia National Bankshares's adjusted free cash flow per share for the three months ended in Mar. 2026 was €1.118. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €3.15 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Virginia National Bankshares's average Cyclically Adjusted FCF Growth Rate was 8.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 2.60% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 8.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Virginia National Bankshares was 18.60% per year. The lowest was 2.60% per year. And the median was 12.80% per year.

As of today (2026-07-25), Virginia National Bankshares's current stock price is €36.20. Virginia National Bankshares's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €3.15. Virginia National Bankshares's Cyclically Adjusted Price-to-FCF of today is 11.49.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Virginia National Bankshares was 28.20. The lowest was 7.30. And the median was 11.94.


Virginia National Bankshares  (FRA:71F) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Virginia National Bankshares's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=36.20/3.15
=11.49

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Virginia National Bankshares was 28.20. The lowest was 7.30. And the median was 11.94.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Virginia National Bankshares Cyclically Adjusted FCF per Share Related Terms


Virginia National Bankshares Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Virginia National Bankshares's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Virginia National Bankshares Cyclically Adjusted FCF per Share Chart

Virginia National Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 3.12 3.38 3.32 3.08

Virginia National Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.88 2.87 3.08 3.15 0.00

FRA:71F vs FBLA, NKSH, INBK: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Virginia National Bankshares's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Virginia National Bankshares Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Virginia National Bankshares's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Virginia National Bankshares's Cyclically Adjusted Price-to-FCF falls into.


FRA:71F
64GF Score
Virginia National Bankshares Corp FRA:71F
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Virginia National Bankshares Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Virginia National Bankshares's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.118/330.2130*330.2130
=1.118

Current CPI (Mar. 2026) = 330.2130.

Virginia National Bankshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.231 241.018 0.316
201609 0.566 241.428 0.774
201612 0.234 241.432 0.320
201703 0.815 243.801 1.104
201706 0.594 244.955 0.801
201709 0.638 246.819 0.854
201712 0.666 246.524 0.892
201803 1.264 249.554 1.673
201806 0.384 251.989 0.503
201809 0.884 252.439 1.156
201812 0.900 251.233 1.183
201903 0.872 254.202 1.133
201906 0.596 256.143 0.768
201909 0.005 256.759 0.006
201912 1.564 256.974 2.010
202003 0.941 258.115 1.204
202006 0.671 257.797 0.859
202009 0.523 260.280 0.664
202012 0.766 260.474 0.971
202103 0.937 264.877 1.168
202106 0.094 271.696 0.114
202109 0.384 274.310 0.462
202112 0.955 278.802 1.131
202203 1.568 287.504 1.801
202206 0.018 296.311 0.020
202209 1.437 296.808 1.599
202212 0.915 296.797 1.018
202303 1.177 301.836 1.288
202306 0.488 305.109 0.528
202309 0.037 307.789 0.040
202312 0.497 306.746 0.535
202403 0.537 312.332 0.568
202406 -1.176 314.175 -1.236
202409 2.514 315.301 2.633
202412 0.561 315.605 0.587
202503 0.314 319.799 0.324
202506 1.074 322.561 1.099
202509 0.949 324.800 0.965
202512 0.969 324.054 0.987
202603 1.118 330.213 1.118

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €3.15 mean?
Virginia National Bankshares (FRA:71F) has a Cyclically Adjusted FCF per Share of €3.15 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Virginia National Bankshares and its competitors.
Is Virginia National Bankshares' Cyclically Adjusted FCF per Share too high?
Virginia National Bankshares' current Cyclically Adjusted FCF per Share is €3.15. Overall, Virginia National Bankshares has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Virginia National Bankshares' Cyclically Adjusted FCF per Share compare to FBLA and NKSH?
Virginia National Bankshares' Cyclically Adjusted FCF per Share of €3.15 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Virginia National Bankshares and its competitors. Virginia National Bankshares's current Cyclically Adjusted FCF per Share is €3.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Virginia National Bankshares stock overvalued right now?
Virginia National Bankshares (FRA:71F) has a current Cyclically Adjusted FCF per Share of €3.15. The stock's GF Value™ is €30.79, compared to a current price of €36.20 — trading 17.6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €3.15. Virginia National Bankshares' overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Virginia National Bankshares (FRA:71F), the current Cyclically Adjusted FCF per Share is €3.15 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Virginia National Bankshares (FRA:71F) Overvalued in 2026?

Based on GuruFocus' analysis, Virginia National Bankshares stock appears to be overvalued. The current stock price of €36.20 is trading 17.6% above its estimated GF Value™ of €30.79.

Key valuation signals for FRA:71F:

  • Cyclically Adjusted FCF per Share: €3.15
  • GF Value™: €30.79 vs. price of €36.20 (17.6% above fair value)
  • GF Score™: 64/100 with 4 warning signs

No single metric tells the full story. See the FRA:71F stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Virginia National Bankshares Business Description

Other Exchanges VABK:USA
Address 404 People Place, Charlottesville, VA, USA, 22911
Virginia National Bankshares Corp is a bank holding company engaged in commercial and retail banking. The bank offers a range of banking and related financial services, including checking accounts, negotiable order of withdrawal accounts, money market deposit accounts, certificates of deposit, individual retirement accounts, and other depository services. Its segments include the Bank, VNB Trust and Estate Services, and Masonry Capital. The Bank's commercial banking activities involve making loans, taking deposits, and offering related services to individuals, businesses, and charitable organizations.
64GF Score

Get the complete analysis for FRA:71F

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.20
Price
€30.79
GF Value