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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: OCF Margin % Comparison
For the Banks - Regional subindustry, Virginia National Bankshares's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Virginia National Bankshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Virginia National Bankshares's OCF 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 OCF Margin % of 50.32% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Virginia National Bankshares and its competitors. This is 60% above median its historical median of 31.50. Over the past decade, Virginia National Bankshares' OCF Margin % has ranged from 22.57 to 41.66. According to the industry distribution chart, Virginia National Bankshares ranks #442 out of 1495 companies in the Banks industry, placing it in the top 29.6%.
Is Virginia National Bankshares' OCF Margin % too high?
Virginia National Bankshares' current OCF Margin % of 50.32% is 60% above median its 10-year median of 31.50. Over the past 10 years, this metric has ranged from a low of 22.57 to a high of 41.66. The Banks industry median OCF Margin % is 29.55. Virginia National Bankshares' value of 50.32% is 70.3% above this industry median. Based on the distribution chart, Virginia National Bankshares ranks #442 out of 1495 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' OCF Margin % compare to FBLA and NKSH?
According to the Banks industry distribution chart, Virginia National Bankshares ranks #442 out of 1495 companies for OCF Margin %. This puts Virginia National Bankshares in the upper half of its industry. The industry median OCF Margin % is 29.55. Virginia National Bankshares' value of 50.32% is 70.3% above this benchmark. Historically, Virginia National Bankshares' own OCF Margin % has ranged from 22.57 to 41.66 over the past decade. While the company's 10-year median is 31.50 vs. the industry median of 29.55, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.55, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Virginia National Bankshares's current OCF Margin % of 50.32% is 70.3% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Virginia National Bankshares and its competitors. For the Banks industry, the median OCF Margin % is 29.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Virginia National Bankshares's current OCF Margin % is 50.32%, which is 60% above median its own 10-year median of 31.50. 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 OCF Margin % of 50.32%. 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 OCF Margin % is 50.32%, which is 60% above median its 10-year median of 31.50 and 70.3% above the Banks industry median of 29.55. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Virginia National Bankshares (FRA:71F), the current OCF Margin % is 50.32% 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:
OCF Margin %: 50.32% (60% above median its 10-year median of 31.50)
GF Value™: €30.79 vs. price of €36.20 (17.6% above fair value)
Industry Position: 70.3% above the Banks median (#442 of 1495)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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