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The historical rank and industry rank for Virginia National Bankshares's Cyclically Adjusted PB Ratio or its related term are showing as below:
FRA:71F'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.8 Med: 1.33 Max: 2.81
Current: 1.41
During the past years, Virginia National Bankshares's highest Cyclically Adjusted PB Ratio was 2.81. The lowest was 0.80. And the median was 1.33.
FRA:71F's Cyclically Adjusted PB Ratio is ranked worse than 56.67% of 1274
companies
in the Banks industry
Industry Median: 1.29
vs FRA:71F: 1.41
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 PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.
Virginia National Bankshares's adjusted book value per share data for the three months ended in Jun. 2026 was €31.155. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €32.37 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Virginia National Bankshares (FRA:71F) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Virginia National Bankshares Cyclically Adjusted PB Ratio Related Terms
Virginia National Bankshares Cyclically Adjusted PB Ratio Historical Data
* 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 PB Ratio Chart
FRA:71F vs FFMH, FFBB, RMBI: Cyclically Adjusted PB Ratio Comparison
For the Banks - Regional subindustry, Virginia National Bankshares's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Virginia National Bankshares's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Virginia National Bankshares's Cyclically Adjusted PB Ratio falls into.
Virginia National Bankshares Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 1.16 mean?
Virginia National Bankshares (FRA:71F) has a Cyclically Adjusted PB Ratio of 1.16 as of Sep. 09, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Virginia National Bankshares and its competitors. This is 13% below median its historical median of 1.33. Over the past decade, Virginia National Bankshares' Cyclically Adjusted PB Ratio has ranged from 0.80 to 2.81. According to the industry distribution chart, Virginia National Bankshares ranks #722 out of 1274 companies in the Banks industry, placing it in the top 56.7%.
Is Virginia National Bankshares' Cyclically Adjusted PB Ratio too high?
Virginia National Bankshares' current Cyclically Adjusted PB Ratio of 1.16 is 13% below median its 10-year median of 1.33. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 2.81. The Banks industry median Cyclically Adjusted PB Ratio is 1.29. Virginia National Bankshares' value of 1.16 is 10.1% below this industry median. Based on the distribution chart, Virginia National Bankshares ranks #722 out of 1274 companies in the Banks industry, which is below the industry midpoint. 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 PB Ratio compare to FFMH and FFBB?
According to the Banks industry distribution chart, Virginia National Bankshares ranks #722 out of 1274 companies for Cyclically Adjusted PB Ratio. This places Virginia National Bankshares in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.29. Virginia National Bankshares' value of 1.16 is 10.1% below this benchmark. Historically, Virginia National Bankshares' own Cyclically Adjusted PB Ratio has ranged from 0.80 to 2.81 over the past decade. While the company's 10-year median is 1.33 vs. the industry median of 1.29, Virginia National Bankshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.29, based on 1,274 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Virginia National Bankshares's current Cyclically Adjusted PB Ratio of 1.16 is 10.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Virginia National Bankshares and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Virginia National Bankshares's current Cyclically Adjusted PB Ratio is 1.16, which is 13% below median its own 10-year median of 1.33. 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 PB Ratio of 1.16. The stock's GF Value™ is €31.58, compared to a current price of €37.60 — trading 19.1% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 1.16, which is 13% below median its 10-year median of 1.33 and 10.1% below the Banks industry median of 1.29. Virginia National Bankshares' overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Virginia National Bankshares (FRA:71F), the current Cyclically Adjusted PB Ratio is 1.16 as of Sep. 09, 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 €37.60 is trading 19.1% above its estimated GF Value™ of €31.58.
Key valuation signals for FRA:71F:
Cyclically Adjusted PB Ratio: 1.16 (13% below median its 10-year median of 1.33)
GF Value™: €31.58 vs. price of €37.60 (19.1% above fair value)
Industry Position: 10.1% below the Banks median (#722 of 1274)
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 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 PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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