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Virginia National Bankshares (Virginia National Bankshares) Intrinsic Value: Projected FCF : $44.92 (As of May. 11, 2024)


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What is Virginia National Bankshares Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-05-11), Virginia National Bankshares's Intrinsic Value: Projected FCF is $44.92. The stock price of Virginia National Bankshares is $30.03. Therefore, Virginia National Bankshares's Price-to-Intrinsic-Value-Projected-FCF of today is 0.7.

The historical rank and industry rank for Virginia National Bankshares's Intrinsic Value: Projected FCF or its related term are showing as below:

VABK' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.47   Med: 0.77   Max: 0.95
Current: 0.67

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Virginia National Bankshares was 0.95. The lowest was 0.47. And the median was 0.77.

VABK's Price-to-Projected-FCF is ranked worse than
73.58% of 1211 companies
in the Banks industry
Industry Median: 0.45 vs VABK: 0.67

Virginia National Bankshares Intrinsic Value: Projected FCF Historical Data

The historical data trend for Virginia National Bankshares's Intrinsic Value: Projected FCF can be seen below:

* 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.

* Premium members only.

Virginia National Bankshares Intrinsic Value: Projected FCF Chart

Virginia National Bankshares Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 51.64 57.78 42.50 41.08 44.92

Virginia National Bankshares Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Intrinsic Value: Projected FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 43.38 43.47 41.87 44.92 -

Competitive Comparison of Virginia National Bankshares's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, Virginia National Bankshares's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Virginia National Bankshares's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where Virginia National Bankshares's Price-to-Projected-FCF falls into.



Virginia National Bankshares Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get Virginia National Bankshares's Free Cash Flow(6 year avg) = $12.12.

Virginia National Bankshares's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Mar24)*0.8)/Shares Outstanding (Diluted Average)
=(9.5203515959648*12.12256+152.577*0.8)/5.380
=44.14

* 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  (NAS:VABK) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

Virginia National Bankshares's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=30.03/44.139894692041
=0.68

* 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 Intrinsic Value: Projected FCF Related Terms

Thank you for viewing the detailed overview of Virginia National Bankshares's Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Virginia National Bankshares (Virginia National Bankshares) Business Description

Traded in Other Exchanges
N/A
Address
404 People Place, Charlottesville, VA, USA, 22911
Virginia National Bankshares Corp is a bank holding company which is engaged in the commercial and retail banking business. 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, Sturman Wealth Advisors, and Masonry Capital. The Bank's commercial banking activities involve making loans, taking deposits and offering related services to individuals, businesses and charitable organizations.
Executives
Adams John Buchanan Jr director 10 COURTHOUSE SQUARE, WARRENTON VA 20188
Kevin T Carter director 10 COURTHOUSE SQUARE, WARRENTON VA 20186
Glenn W Rust director, officer: President and CEO C/O VIRGINIA NATIONAL BANK, 404 PEOPLE PLACE, CHARLOTTESVILLE VA 22911
Jay B Keyser director 10 COURTHOUSE SQUARE, WARRENTON VA 20186
Randolph D Frostick director 10 COURTHOUSE SQUARE, WARRENTON VA 20186
Dittmar William D Jr. director C/O ENTERPRISE PROPERTIES, 401 EAST MARKET STREET, CHARLOTTESVILLE VA 22902
Virginia R Bayes officer: Chief Credit Officer & EVP C/O VIRGINIA NATIONAL BANK, 404 PEOPLE PLACE, CHARLOTTESVILLE VA 22911
Linda M Houston director C/O VIRGINIA NATIONAL BANK, 404 PEOPLE PLACE, CHARLOTTESVILLE VA 22911
James T Holland director C/O VIRGINIA NATIONAL BANK, 404 PEOPLE PLACE, CHARLOTTESVILLE VA 22911
Donna G Shewmake officer: GC, EVP & Secretary C/O VIRGINIA NATIONAL BANK, 404 PEOPLE PLACE, CHARLOTTESVILLE VA 22911
Gregory L Wells director C/O ACAC FITNESS & WELLNESS CENTERS, 455 SECOND STREET, SUITE 301, CHARLOTTESVILLE VA 22902
Strange Sterling T Iii director 10 COURTHOUSE SQUARE, WARRENTON VA 20186
Marc J Bogan director, officer: President and CEO 10 COURTHOUSE SQUARE, WARRENTON VA 20186
Tara Y Harrison officer: Chief Financial Officer & EVP 404 PEOPLE PLACE, CHARLOTTSVILLE VA 22911
Susan K Payne director C/O PAYNE ROSS & ASSOCIATES, 206 EAST JEFFERSON STREET, CHARLOTTESVILLE VA 22902

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