Virginia National Bankshares (FRA:71F) Moat Score: 3/10 (As of Jul. 25, 2026)

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FRA:71F Virginia National Bankshares Corp FRA:71F
64 GF Score
Price €36.20
GF Value €30.79
! 4 Warning Signs
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What is Virginia National Bankshares Moat Score?

Virginia National Bankshares FRA:71F +0.56% 64 Moat Score is 3 as of Jul. 25, 2026. GuruFocus rates FRA:71F with a GF Score™ of 64/100 and a GF Value™ of €30.79. The stock has 4 warning signs investors should review. Among 1,605 Banks companies, Virginia National Bankshares ranks better than 74.58% on this metric.

Virginia National Bankshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Virginia National Bankshares has No Moat: Virginia National Bankshares operates in a highly competitive regional banking market with limited differentiation. It lacks significant economies of scale, brand strength, or regulatory advantages to establish a strong competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Virginia National Bankshares might have No Moat - Very weak/transient advantages.

Virginia National Bankshares  (FRA:71F) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Virginia National Bankshares Moat Score Related Terms

FRA:71F vs FBLA, NKSH, INBK: Moat Score Comparison

For the Banks - Regional subindustry, Virginia National Bankshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Virginia National Bankshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Virginia National Bankshares's Moat Score falls into.


FRA:71F
64GF Score
Virginia National Bankshares Corp FRA:71F
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Virginia National Bankshares (FRA:71F) has a Moat Score of 3 as of Jul. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Virginia National Bankshares ranks #408 out of 1605 companies in the Banks industry, placing it in the top 25.4%.
Is Virginia National Bankshares' Moat Score too high?
Virginia National Bankshares' current Moat Score is 3. Based on the distribution chart, Virginia National Bankshares ranks #408 out of 1605 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' Moat Score compare to FBLA and NKSH?
According to the Banks industry distribution chart, Virginia National Bankshares ranks #408 out of 1605 companies for Moat Score. This puts Virginia National Bankshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Virginia National Bankshares's current Moat Score is 3. 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 Moat Score of 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Virginia National Bankshares (FRA:71F), the current Moat Score is 3 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:

  • Moat Score: 3
  • GF Value™: €30.79 vs. price of €36.20 (17.6% above fair value)
  • GF Score™: 64/100 with 4 warning signs

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 Business Description

Other Exchanges VABK:USA
Address 404 People Place, Charlottesville, VA, USA, 22911
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.20
Price
€30.79
GF Value