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The historical rank and industry rank for Virginia National Bankshares's Net Margin % or its related term are showing as below:
FRA:71F'
s Net Margin % Range Over the Past 10 Years
Min: 18.16 Med: 28.12 Max: 42.07
Current: 42.07
FRA:71F's Net Margin % is ranked better than 74.24% of 1522
companies
in the Banks industry
Industry Median: 27.055
vs FRA:71F: 42.07
Virginia National Bankshares (FRA:71F) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Virginia National Bankshares Net Margin % Related Terms
Virginia National Bankshares Net Margin % 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.
FRA:71F vs FBLA, NKSH, INBK: Net Margin % Comparison
For the Banks - Regional subindustry, Virginia National Bankshares's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Virginia National Bankshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Virginia National Bankshares's Net 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 Net Margin % of 36.53% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Virginia National Bankshares and its competitors. This is 30% above median its historical median of 28.12. Over the past decade, Virginia National Bankshares' Net Margin % has ranged from 18.16 to 42.07. According to the industry distribution chart, Virginia National Bankshares ranks #392 out of 1522 companies in the Banks industry, placing it in the top 25.8%.
Is Virginia National Bankshares' Net Margin % too high?
Virginia National Bankshares' current Net Margin % of 36.53% is 30% above median its 10-year median of 28.12. Over the past 10 years, this metric has ranged from a low of 18.16 to a high of 42.07. The Banks industry median Net Margin % is 27.06. Virginia National Bankshares' value of 36.53% is 35% above this industry median. Based on the distribution chart, Virginia National Bankshares ranks #392 out of 1522 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' Net Margin % compare to FBLA and NKSH?
According to the Banks industry distribution chart, Virginia National Bankshares ranks #392 out of 1522 companies for Net Margin %. This puts Virginia National Bankshares in the upper half of its industry. The industry median Net Margin % is 27.06. Virginia National Bankshares' value of 36.53% is 35% above this benchmark. Historically, Virginia National Bankshares' own Net Margin % has ranged from 18.16 to 42.07 over the past decade. While the company's 10-year median is 28.12 vs. the industry median of 27.06, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Virginia National Bankshares's current Net Margin % of 36.53% is 35% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Virginia National Bankshares and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Virginia National Bankshares's current Net Margin % is 36.53%, which is 30% above median its own 10-year median of 28.12. 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 Net Margin % of 36.53%. 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 Net Margin % is 36.53%, which is 30% above median its 10-year median of 28.12 and 35% above the Banks industry median of 27.06. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Virginia National Bankshares (FRA:71F), the current Net Margin % is 36.53% 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:
Net Margin %: 36.53% (30% above median its 10-year median of 28.12)
GF Value™: €30.79 vs. price of €36.20 (17.6% above fair value)
Industry Position: 35% above the Banks median (#392 of 1522)
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
Get the complete analysis for FRA:71F
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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