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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Virginia National Bankshares's Debt-to-Equity or its related term are showing as below:
FRA:71F'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.07 Med: 0.21 Max: 0.5
Current: 0.15
During the past 13 years, the highest Debt-to-Equity Ratio of Virginia National Bankshares was 0.50. The lowest was 0.07. And the median was 0.21.
FRA:71F's Debt-to-Equity is ranked better than 82.56% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs FRA:71F: 0.15
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Virginia National Bankshares Debt-to-Equity Related Terms
Virginia National Bankshares Debt-to-Equity 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.
FRA:71F vs RMBI, MRBK, FBLA: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Virginia National Bankshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Virginia National Bankshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Virginia National Bankshares's Debt-to-Equity falls into.
* 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 (FRA:71F) has a Debt-to-Equity of 0.16 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Virginia National Bankshares and its competitors. This is 24% below median its historical median of 0.21. Over the past decade, Virginia National Bankshares' Debt-to-Equity has ranged from 0.07 to 0.50. According to the industry distribution chart, Virginia National Bankshares ranks #248 out of 1422 companies in the Banks industry, placing it in the top 17.4%.
Is Virginia National Bankshares' Debt-to-Equity too high?
Virginia National Bankshares' current Debt-to-Equity of 0.16 is 24% below median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.50. The Banks industry median Debt-to-Equity is 0.58. Virginia National Bankshares' value of 0.16 is 72.4% below this industry median. Based on the distribution chart, Virginia National Bankshares ranks #248 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Debt-to-Equity compare to RMBI and MRBK?
According to the Banks industry distribution chart, Virginia National Bankshares ranks #248 out of 1422 companies for Debt-to-Equity. This places Virginia National Bankshares in the top 17% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Virginia National Bankshares' value of 0.16 is 72.4% below this benchmark. Historically, Virginia National Bankshares' own Debt-to-Equity has ranged from 0.07 to 0.50 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.58, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Virginia National Bankshares's current Debt-to-Equity of 0.16 is 72.4% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Virginia National Bankshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Virginia National Bankshares's current Debt-to-Equity is 0.16, which is 24% below median its own 10-year median of 0.21. 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 Debt-to-Equity of 0.16. The stock's GF Value™ is €30.89, compared to a current price of €38.60 — trading 25% above its estimated fair value. The current Debt-to-Equity is 0.16, which is 24% below median its 10-year median of 0.21 and 72.4% below the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Virginia National Bankshares (FRA:71F), the current Debt-to-Equity is 0.16 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 €38.60 is trading 25% above its estimated GF Value™ of €30.89.
Key valuation signals for FRA:71F:
Debt-to-Equity: 0.16 (24% below median its 10-year median of 0.21)
GF Value™: €30.89 vs. price of €38.60 (25% above fair value)
Industry Position: 72.4% below the Banks median (#248 of 1422)
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
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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