Is VABK or VBNK more undervalued in 2026?

CirclFi compares Virginia National Bankshares Co (VABK) and VersaBank (VBNK) using 13 institutional-grade valuation models. VABK has a Quality of Company score of 8.8/10 while VBNK scores 7.7/10.

Which is a better buy — VABK or VBNK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do VABK and VBNK valuations compare?

VABK at $42.97 and VBNK at $18.24 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

VABK vs VBNK Valuation Comparison 2026 — Intrinsic Value Analysis

VABK

Banks - Regional

Virginia National Bankshares Co

Quality

8.8

out of 10

Value Trap

LOW

Price

$42.97

Last close

Models

12/13

Active

VBNK

Banks - Regional

VersaBank

Quality

7.7

out of 10

Value Trap

SAFE

Price

$18.24

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	VABK Fair Value	VABK Upside	VBNK Fair Value	VBNK Upside
Bayesian DCF	Intrinsic	$17.67	-58.9%	$19.88	+9.0%
Earnings Power Value	Intrinsic	$20.90	-51.4%	$28.40	+55.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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VABK vs VBNK — Which Stock Is More Undervalued?

VABK scores higher with a 8.8/10 quality rating vs VBNK's 7.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Virginia National Bankshares Co (VABK) and VersaBank (VBNK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

VABK currently trades at $42.97 with a QOC of 8.8/10, while VBNK trades at $18.24 with a QOC of 7.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).