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Virginia National Bankshares has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Virginia National Bankshares's interest coverage with the available data.
Virginia National Bankshares's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.48.
Altman Z-Score does not apply to banks and insurance companies.
Virginia National Bankshares (FRA:71F) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Virginia National Bankshares has the Financial Strength Rank of 4.
Virginia National Bankshares Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 4 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Virginia National Bankshares and its competitors. This is near median its historical median of 4.00. Over the past decade, Virginia National Bankshares' Financial Strength has ranged from 3.00 to 5.00.
Is Virginia National Bankshares' Financial Strength too high?
Virginia National Bankshares' current Financial Strength of 4 is near median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 5.00. 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' Financial Strength compare to FFMH and FFBB?
Virginia National Bankshares' Financial Strength of 4 can be compared against companies in the Banks industry. Historically, Virginia National Bankshares' own Financial Strength has ranged from 3.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Virginia National Bankshares and its competitors. Virginia National Bankshares's current Financial Strength is 4, which is near median its own 10-year median of 4.00. 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 Financial Strength of 4. The stock's GF Value™ is €31.81, compared to a current price of €38.40 — trading 20.7% above its estimated fair value. The current Financial Strength is 4, which is near median its 10-year median of 4.00. 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 Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Virginia National Bankshares (FRA:71F), the current Financial Strength is 4 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 €38.40 is trading 20.7% above its estimated GF Value™ of €31.81.
Key valuation signals for FRA:71F:
Financial Strength: 4 (near median its 10-year median of 4.00)
GF Value™: €31.81 vs. price of €38.40 (20.7% 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.
64GF Score
Get the complete analysis for FRA:71F
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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