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The historical rank and industry rank for Virginia National Bankshares's EV-to-FCF or its related term are showing as below:
FRA:71F'
s EV-to-FCF Range Over the Past 10 Years
Min: -441.03 Med: 9.85 Max: 20.73
Current: 8.74
During the past 13 years, the highest EV-to-FCF of Virginia National Bankshares was 20.73. The lowest was -441.03. And the median was 9.85.
FRA:71F's EV-to-FCF is ranked worse than 59.73% of 1192
companies
in the Banks industry
Industry Median: 6.68
vs FRA:71F: 8.74
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Virginia National Bankshares (FRA:71F) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Virginia National Bankshares's PE Ratio (TTM) for today is calculated as:
Virginia National Bankshares's share price for today is €36.20.
Virginia National Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3.926.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Virginia National Bankshares EV-to-FCF Related Terms
Virginia National Bankshares EV-to-FCF 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.
For the Banks - Regional subindustry, Virginia National Bankshares's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Virginia National Bankshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Virginia National Bankshares's EV-to-FCF falls into.
Virginia National Bankshares's current Enterprise Value is €199.50 Mil.
Virginia National Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €22.32 Mil.
* 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 EV-to-FCF of 8.94 as of Jul. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Virginia National Bankshares and its competitors. This is near median its historical median of 9.85. According to the industry distribution chart, Virginia National Bankshares ranks #712 out of 1192 companies in the Banks industry, placing it in the top 59.7%.
Is Virginia National Bankshares' EV-to-FCF too high?
Virginia National Bankshares' current EV-to-FCF of 8.94 is near median its 10-year median of 9.85. The Banks industry median EV-to-FCF is 6.68. Virginia National Bankshares' value of 8.94 is 33.8% above this industry median. Based on the distribution chart, Virginia National Bankshares ranks #712 out of 1192 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' EV-to-FCF compare to FBLA and NKSH?
According to the Banks industry distribution chart, Virginia National Bankshares ranks #712 out of 1192 companies for EV-to-FCF. This places Virginia National Bankshares in the lower half of its industry. The industry median EV-to-FCF is 6.68. Virginia National Bankshares' value of 8.94 is 33.8% above this benchmark. While the company's 10-year median is 9.85 vs. the industry median of 6.68, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Virginia National Bankshares's current EV-to-FCF of 8.94 is 33.8% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Virginia National Bankshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Virginia National Bankshares's current EV-to-FCF is 8.94, which is near median its own 10-year median of 9.85. 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 EV-to-FCF of 8.94. 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 EV-to-FCF is 8.94, which is near median its 10-year median of 9.85 and 33.8% above the Banks industry median of 6.68. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Virginia National Bankshares (FRA:71F), the current EV-to-FCF is 8.94 as of Jul. 25, 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:
EV-to-FCF: 8.94 (near median its 10-year median of 9.85)
GF Value™: €30.79 vs. price of €36.20 (17.6% above fair value)
Industry Position: 33.8% above the Banks median (#712 of 1192)
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
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