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* 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 FBLA, NKSH, INBK: FCF Margin % Comparison
For the Banks - Regional subindustry, Virginia National Bankshares's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Virginia National Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Virginia National Bankshares's FCF Margin % 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 FCF Margin % of 48.88% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Virginia National Bankshares and its competitors. This is 61% above median its historical median of 30.32. Over the past decade, Virginia National Bankshares' FCF Margin % has ranged from 20.07 to 44.03. According to the industry distribution chart, Virginia National Bankshares ranks #426 out of 1499 companies in the Banks industry, placing it in the top 28.4%.
Is Virginia National Bankshares' FCF Margin % too high?
Virginia National Bankshares' current FCF Margin % of 48.88% is 61% above median its 10-year median of 30.32. Over the past 10 years, this metric has ranged from a low of 20.07 to a high of 44.03. The Banks industry median FCF Margin % is 26.45. Virginia National Bankshares' value of 48.88% is 84.8% above this industry median. Based on the distribution chart, Virginia National Bankshares ranks #426 out of 1499 companies in the Banks industry, which is above 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' FCF Margin % compare to FBLA and NKSH?
According to the Banks industry distribution chart, Virginia National Bankshares ranks #426 out of 1499 companies for FCF Margin %. This puts Virginia National Bankshares in the upper half of its industry. The industry median FCF Margin % is 26.45. Virginia National Bankshares' value of 48.88% is 84.8% above this benchmark. Historically, Virginia National Bankshares' own FCF Margin % has ranged from 20.07 to 44.03 over the past decade. While the company's 10-year median is 30.32 vs. the industry median of 26.45, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.45, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Virginia National Bankshares's current FCF Margin % of 48.88% is 84.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Virginia National Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 26.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Virginia National Bankshares's current FCF Margin % is 48.88%, which is 61% above median its own 10-year median of 30.32. 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 FCF Margin % of 48.88%. 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 FCF Margin % is 48.88%, which is 61% above median its 10-year median of 30.32 and 84.8% above the Banks industry median of 26.45. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Virginia National Bankshares (FRA:71F), the current FCF Margin % is 48.88% 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:
FCF Margin %: 48.88% (61% above median its 10-year median of 30.32)
GF Value™: €30.79 vs. price of €36.20 (17.6% above fair value)
Industry Position: 84.8% above the Banks median (#426 of 1499)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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