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Virginia National Bankshares (FRA:71F) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Virginia National Bankshares Equity-to-Asset Related Terms
Virginia National Bankshares Equity-to-Asset 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 Equity-to-Asset Chart
FRA:71F vs FFMH, FFBB, RMBI: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Virginia National Bankshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Virginia National Bankshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Virginia National Bankshares's Equity-to-Asset falls into.
Virginia National Bankshares Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Virginia National Bankshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.12 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Virginia National Bankshares and its competitors. This is 20% above median its historical median of 0.10. Over the past decade, Virginia National Bankshares' Equity-to-Asset has ranged from 0.07 to 0.12. According to the industry distribution chart, Virginia National Bankshares ranks #425 out of 1519 companies in the Banks industry, placing it in the top 28%.
Is Virginia National Bankshares' Equity-to-Asset too high?
Virginia National Bankshares' current Equity-to-Asset of 0.12 is 20% above median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Virginia National Bankshares' value of 0.12 is 20% above this industry median. Based on the distribution chart, Virginia National Bankshares ranks #425 out of 1519 companies in the Banks industry, which is above the industry midpoint. Overall, Virginia National Bankshares has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Virginia National Bankshares' Equity-to-Asset compare to FFMH and FFBB?
According to the Banks industry distribution chart, Virginia National Bankshares ranks #425 out of 1519 companies for Equity-to-Asset. This puts Virginia National Bankshares in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Virginia National Bankshares' value of 0.12 is 20% above this benchmark. Historically, Virginia National Bankshares' own Equity-to-Asset has ranged from 0.07 to 0.12 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Virginia National Bankshares has consistently been above 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Virginia National Bankshares's current Equity-to-Asset of 0.12 is 20% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Virginia National Bankshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Virginia National Bankshares's current Equity-to-Asset is 0.12, which is 20% above median its own 10-year median of 0.10. 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 Equity-to-Asset of 0.12. The stock's GF Value™ is €31.60, compared to a current price of €37.20 — trading 17.7% above its estimated fair value. The current Equity-to-Asset is 0.12, which is 20% above median its 10-year median of 0.10 and 20% above the Banks industry median of 0.10. Virginia National Bankshares' overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Virginia National Bankshares (FRA:71F), the current Equity-to-Asset is 0.12 as of Jun. 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 €37.20 is trading 17.7% above its estimated GF Value™ of €31.60.
Key valuation signals for FRA:71F:
Equity-to-Asset: 0.12 (20% above median its 10-year median of 0.10)
GF Value™: €31.60 vs. price of €37.20 (17.7% above fair value)
Industry Position: 20% above the Banks median (#425 of 1519)
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.
65GF Score
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