Virginia National Bankshares Corporation (VABK) P/E Ratio History
Fairly ValuedTrading at 12.7x, near 5Y avg of 11.3x · 75th percentile · In line with own history · Data 2002–2025
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P/E Ratio Analysis
As of June 13, 2026, Virginia National Bankshares Corporation (VABK) trades at a price-to-earnings ratio of 12.7x, with a stock price of $45.00 and trailing twelve-month earnings per share of $3.55.
The current P/E is 12% above its 5-year average of 11.3x. Over the past five years, VABK's P/E has ranged from a low of 7.0x to a high of 17.6x, placing the current valuation at the 75th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.9x, VABK is roughly in line with its sector peers. The sector includes 784 companies with P/E ratios ranging from 0.0x to 197.4x.
The PEG ratio of 3.36 (P/E divided by 13% EPS growth) suggests the stock may be expensive relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, VABK trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our VABK DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
VABK Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
VABK P/E vs Peers
Banks with large fee businesses peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $3B | 14.5 | 2.06 | +13% | |
| $207M | 14.7 | 2.90 | +9% | |
| $184M | 14.2 | - | +210% | |
| $231M | 14.6 | - | +101% | |
| $662M | 21.3 | - | +32% | |
| $273M | 15.4 | 10.32 | +96% | |
| $444M | 12.5 | 0.29Best | +262%Best | |
| $365M | 13.8 | - | +35% | |
| $20B | 52.3 | 2.14 | -47% | |
| $746M | 10.5Lowest | 1.11 | +231% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
VABK Historical P/E Data (2002–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $39.85 | $3.55 | 11.2x | -41% |
| FY2025 Q3 | - | $38.81 | $3.29 | 11.8x | -38% |
| FY2025 Q2 | Jun 30 2025 | $37.00 | $3.30 | 11.2x | -41% |
| FY2025 Q1 | Mar 31 2025 | $36.08 | $3.29 | 11.0x | -43% |
| FY2024 Q4 | - | $38.20 | $3.14 | 12.2x | -36% |
| FY2024 Q3 | Sep 30 2024 | $41.65 | $2.89 | 14.4x | -24% |
| FY2024 Q2 | Jun 30 2024 | $32.80 | $2.90 | 11.3x | -41% |
| FY2024 Q1 | Mar 31 2024 | $30.10 | $3.18 | 9.5x | -50% |
| FY2023 Q4 | Dec 31 2023 | $34.38 | $3.58 | 9.6x | -50% |
| FY2023 Q3 | Sep 30 2023 | $30.35 | $4.31 | 7.0x | -63% |
| FY2023 Q2 | Jun 30 2023 | $32.15 | $4.53 | 7.1x | -63% |
| FY2023 Q1 | Mar 31 2023 | $35.96 | $4.54 | 7.9x | -58% |
| FY2022 Q4 | Dec 31 2022 | $36.66 | $4.38 | 8.4x | -56% |
| FY2022 Q3 | Sep 30 2022 | $32.44 | $4.04 | 8.0x | -58% |
| FY2022 Q2 | - | $31.49 | $3.55 | 8.9x | -54% |
| FY2022 Q1 | - | $34.50 | $2.52 | 13.7x | -28% |
| FY2021 Q4 | Dec 31 2021 | $37.88 | $2.15 | 17.6x | -8% |
| FY2021 Q3 | - | $36.14 | $2.13 | 17.0x | -11% |
| FY2021 Q2 | Jun 30 2021 | $38.89 | $2.23 | 17.4x | -9% |
| FY2021 Q1 | Mar 31 2021 | $30.35 | $2.97 | 10.2x | -46% |
| FY2020 Q4 | - | $27.15 | $2.94 | 9.2x | -52% |
| FY2020 Q3 | Sep 30 2020 | $24.10 | $2.51 | 9.6x | -50% |
| FY2020 Q2 | - | $25.25 | $2.53 | 10.0x | -48% |
| FY2020 Q1 | - | $26.00 | $2.55 | 10.2x | -47% |
| FY2019 Q4 | - | $37.70 | $2.50 | 15.1x | -21% |
| FY2019 Q3 | Sep 30 2019 | $37.06 | $2.60 | 14.3x | -25% |
| FY2019 Q2 | Jun 30 2019 | $36.99 | $2.69 | 13.8x | -28% |
| FY2019 Q1 | Mar 31 2019 | $38.75 | $2.59 | 15.0x | -22% |
| FY2018 Q4 | Dec 31 2018 | $32.87 | $3.16 | 10.4x | -45% |
| FY2018 Q3 | Sep 30 2018 | $43.86 | $2.96 | 14.8x | -22% |
| FY2018 Q2 | Jun 30 2018 | $48.94 | $2.81 | 17.4x | -9% |
| FY2018 Q1 | Mar 31 2018 | $39.14 | $2.85 | 13.7x | -28% |
| FY2017 Q4 | Dec 31 2017 | $35.37 | $2.46 | 14.4x | -25% |
| FY2017 Q3 | Sep 30 2017 | $32.56 | $2.59 | 12.6x | -34% |
| FY2017 Q2 | Jun 30 2017 | $34.95 | $2.48 | 14.1x | -26% |
| FY2017 Q1 | Mar 31 2017 | $28.80 | $2.32 | 12.4x | -35% |
| FY2016 Q4 | Dec 31 2016 | $25.85 | $2.19 | 11.8x | -38% |
| FY2016 Q3 | Sep 30 2016 | $22.85 | $2.07 | 11.0x | -42% |
| FY2016 Q2 | - | $22.22 | $1.84 | 12.1x | -37% |
| FY2016 Q1 | - | $21.09 | $1.54 | 13.7x | -28% |
| FY2015 Q4 | - | $22.90 | $1.16 | 19.7x | +3% |
| FY2015 Q3 | Sep 30 2015 | $21.67 | $0.91 | 23.8x | +25% |
| FY2015 Q2 | - | $21.30 | $0.73 | 29.2x | +53% |
| FY2015 Q1 | - | $19.73 | $0.61 | 32.3x | +69% |
| FY2014 Q4 | Dec 31 2014 | $20.59 | $0.64 | 32.2x | +69% |
| FY2014 Q3 | - | $22.29 | $2.00 | 11.1x | -42% |
| FY2014 Q2 | Jun 30 2014 | $20.88 | $2.19 | 9.5x | -50% |
| FY2014 Q1 | Mar 31 2014 | $21.05 | $2.31 | 9.1x | -52% |
| FY2013 Q4 | - | $16.34 | $2.32 | 7.0x | -63% |
| FY2013 Q3 | Sep 30 2013 | $15.42 | $2.04 | 7.6x | -60% |
| FY2013 Q2 | Jun 30 2013 | $15.95 | $1.86 | 8.6x | -55% |
| FY2013 Q1 | Mar 31 2013 | $14.51 | $1.72 | 8.4x | -56% |
| FY2012 Q4 | Dec 31 2012 | $12.90 | $1.71 | 7.5x | -60% |
| FY2007 Q3 | Sep 30 2007 | $24.84 | $0.80 | 31.1x | +63% |
| FY2007 Q2 | Jun 30 2007 | $29.40 | $0.87 | 33.8x | +77% |
| FY2007 Q1 | Mar 31 2007 | $32.30 | $0.88 | 36.7x | +92% |
| FY2006 Q4 | Dec 31 2006 | $31.68 | $0.91 | 34.8x | +82% |
| FY2006 Q3 | Sep 30 2006 | $31.88 | $0.84 | 38.0x | +99% |
| FY2006 Q2 | Jun 30 2006 | $33.13 | $0.95 | 34.9x | +83% |
| FY2006 Q1 | Mar 31 2006 | $32.34 | $1.06 | 30.5x | +60% |
| FY2005 Q4 | Dec 31 2005 | $27.80 | $1.07 | 26.0x | +36% |
| FY2005 Q3 | Sep 30 2005 | $29.81 | $1.03 | 28.9x | +52% |
| FY2005 Q2 | - | $29.61 | $0.89 | 33.3x | +74% |
| FY2005 Q1 | - | $29.40 | $0.77 | 38.2x | +100% |
| FY2004 Q4 | Dec 31 2004 | $23.07 | $0.69 | 33.4x | +75% |
| FY2004 Q3 | - | $21.37 | $0.65 | 32.9x | +72% |
| FY2004 Q2 | Jun 30 2004 | $20.70 | $0.61 | 33.9x | +78% |
| FY2004 Q1 | Mar 31 2004 | $15.97 | $0.55 | 29.0x | +52% |
| FY2003 Q4 | Dec 31 2003 | $16.15 | $0.52 | 31.3x | +64% |
| FY2003 Q3 | - | $14.82 | $0.41 | 36.5x | +91% |
| FY2003 Q2 | Jun 30 2003 | $15.57 | $0.35 | 44.2x | +132% |
| FY2003 Q1 | Mar 31 2003 | $15.33 | $0.34 | 45.5x | +139% |
| FY2002 Q4 | - | $15.77 | $0.30 | 53.1x | +178% |
Average P/E for displayed period: 19.1x
What if you invested $1,000 in VABK back in 2002?
Total return with dividends reinvested · 24+ years of data
Calculate ReturnsHow much would $100/month in VABK be worth today?
Dollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersIs VABK Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
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Compare NowVABK — Frequently Asked Questions
Quick answers to the most common questions about buying VABK stock.
What is VABK's P/E ratio?
Virginia National Bankshares Corporation (VABK) trailing twelve-month P/E ratio is 12.7x, based on TTM diluted EPS of $3.55. The 5-year average P/E is 11.3x and the historical range spans 7.0x to 17.6x.
Is VABK stock overvalued or undervalued?
VABK trades at 12.7x P/E, near its 5-year average of 11.3x. The 75th percentile ranking within the 7.0x–17.6x historical range places valuation within normal bounds.
Is VABK stock expensive?
VABK is fairly valued relative to its own history. The current P/E of 12.7x is near the 5-year average of 11.3x (75th percentile of historical range).
What is VABK's historical P/E range?
Over the past 5 years, VABK's P/E ratio has ranged from 7.0x to 17.6x, with a median of 11.2x and an average of 11.3x. The current P/E of 12.7x places the stock at the 75th percentile of this range. Full historical data spans 2002–2025.
How does VABK's P/E compare to the S&P 500?
VABK trades at 12.7x P/E versus the S&P 500 median of 25.1x. The 49% discount to the market suggests lower growth expectations or perceived higher risk.
How does VABK's valuation compare to Financial Services peers?
Virginia National Bankshares Corporation P/E of 12.7x compares to the Financial Services sector median of 13.9x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is VABK's PEG ratio?
VABK PEG ratio is 3.36, based on a P/E of 12.7x and EPS growth of 12.7%. A PEG above 2.0 indicates a premium valuation relative to earnings growth — typically considered expensive.
What is VABK's earnings yield?
VABK earnings yield is 7.89%, the inverse of its 12.7x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.