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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Virginia National Bankshares's Total Liabilities for the quarter that ended in Jun. 2026 was €1,252.97 Mil. Virginia National Bankshares's Total Assets for the quarter that ended in Jun. 2026 was €1,421.95 Mil.
Therefore, Virginia National Bankshares's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.88.
Virginia National Bankshares (FRA:71F) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Virginia National Bankshares Liabilities-to-Assets Related Terms
Virginia National Bankshares Liabilities-to-Assets 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 Liabilities-to-Assets Chart
FRA:71F vs RMBI, MRBK, FBLA: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Virginia National Bankshares's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Virginia National Bankshares's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Virginia National Bankshares's Liabilities-to-Assets falls into.
Virginia National Bankshares Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Virginia National Bankshares's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.88 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Virginia National Bankshares and its competitors.
Is Virginia National Bankshares' Liabilities-to-Assets too high?
Virginia National Bankshares' current Liabilities-to-Assets is 0.88. 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' Liabilities-to-Assets compare to RMBI and MRBK?
Virginia National Bankshares' Liabilities-to-Assets of 0.88 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Virginia National Bankshares and its competitors. Virginia National Bankshares's current Liabilities-to-Assets is 0.88. 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 Liabilities-to-Assets of 0.88. The stock's GF Value™ is €31.54, compared to a current price of €37.00 — trading 17.3% above its estimated fair value. The current Liabilities-to-Assets is 0.88. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Virginia National Bankshares (FRA:71F), the current Liabilities-to-Assets is 0.88 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 €37.00 is trading 17.3% above its estimated GF Value™ of €31.54.
Key valuation signals for FRA:71F:
Liabilities-to-Assets: 0.88
GF Value™: €31.54 vs. price of €37.00 (17.3% above fair value)
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
Get the complete analysis for FRA:71F
Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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