Stock fact sheet · data as of
Virginia National Bankshares Corporation (VABK): fair value, margin of safety and Wheel Score
Ticker symbol VABK · Financial Services · Banks - Regional · United States · Value
Is VABK undervalued?
At 53.56 (close of 5 Nov 2026), VABK trades within a few percent of the GLS average fair value of 51.76 (3.5% above fair value). 9 models produced a value and they split 5 above the price to 4 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
The 9 models disagree widely: GLS Growth gives 7.84 while 10 Cap gives 110.09. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, VABK is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 54, growth score 15, out of 100).
Nine valuation models for VABK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 33.59 | -37% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 62.36 | +16% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 79.63 | +49% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 19.74 | -63% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 7.84 | -85% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 110.09 | +106% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 76.51 | +43% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 21.19 | -60% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 54.84 | +2% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -269.07 | -602% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - VABK passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 6.9 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 9.0%, ROE 10.5%, ROA 1.2% - with debt at 0.16 times equity and a free-cash-flow yield of 8.0%.
The dividend yield is 2.69% at a payout ratio of 29%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 6/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 9.0% |
|---|---|---|---|
| GLS Moat | 6.9 / 10 | ROE | 10.5% |
| Debt / equity | 0.16 | ROA | 1.2% |
| Free-cash-flow yield | 8.0% | Payout ratio | 29% |
| Institutions | 6 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 21: No options
VABK has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (21 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 30k shares a day on a market cap of $291M, with a beta of 0.46 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 3% above our fair value |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $291M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 3% above fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.9/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.46, $291M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 28 Jan 2027, 84 days away - outside the window of a 30-45-day put sold today.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Virginia National Bankshares Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| TRUX Truxton Corporation | 25.25 | 42.20 | +40% | 36No options | $291M |
| LCNB LCNB Corp. | 20.29 | 23.52 | +14% | 44Weak | $289M |
| QNBC QNB Corp. | 47.45 | 29.90 | -59% | 17No options | $295M |
| FXNC First National Corporation | 31.52 | 33.83 | +7% | 23No options | $285M |
| OVLY Oak Valley Bancorp | 35.29 | 37.23 | +5% | 22No options | $297M |
| FNRN First Northern Community Bancorp | 18.35 | 17.62 | -4% | 19No options | $301M |
| BCBP BCB Bancorp, Inc. | 9.10 | 17.92 | +49% | 42Weak | $280M |
| WNEB Western New England Bancorp, Inc. | 14.05 | 13.59 | -3% | 35Weak | $279M |
| BPRN Princeton Bancorp Inc. | 44.51 | 48.16 | +8% | 23No options | $303M |
| FVCB FVCBankcorp, Inc. | 16.83 | 19.80 | +15% | 46Weak | $304M |
| HWBK Hawthorn Bancshares, Inc. | 40.07 | 53.47 | +25% | 32No options | $277M |
| FUNC First United Corporation | 47.30 | 61.15 | +23% | 34No options | $305M |
⚖ Compare VABK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about VABK
Is VABK undervalued right now?
Not meaningfully: at 53.56 the stock trades within a few percent of the GLS average fair value of 51.76 (3.5% above fair value, data as of 5 Nov 2026).
What is the Wheel Score of VABK and what does it mean?
VABK has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for VABK?
51.76 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Virginia National Bankshares Corporation report earnings next?
The next earnings report is due on 28 Jan 2027, 84 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does VABK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on VABK, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.