AMER NATL BNKSHS/DANVILLE VA (AMNB) Fundamental Analysis & Valuation

NASDAQ:AMNB • US0277451086

Current stock price

47.76 USD
-0.16 (-0.33%)
At close:
48.0142 USD
+0.25 (+0.53%)
After Hours:

This AMNB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. AMNB Profitability Analysis

1.1 Basic Checks

  • AMNB had positive earnings in the past year.
  • In the past year AMNB had a positive cash flow from operations.
  • In the past 5 years AMNB has always been profitable.
  • AMNB had a positive operating cash flow in each of the past 5 years.
AMNB Yearly Net Income VS EBIT VS OCF VS FCFAMNB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M

1.2 Ratios

  • AMNB has a Return On Assets (0.85%) which is in line with its industry peers.
  • AMNB has a Return On Equity of 7.62%. This is in the lower half of the industry: AMNB underperforms 64.58% of its industry peers.
Industry RankSector Rank
ROA 0.85%
ROE 7.62%
ROIC N/A
ROA(3y)1.09%
ROA(5y)1.02%
ROE(3y)10.2%
ROE(5y)9.2%
ROIC(3y)N/A
ROIC(5y)N/A
AMNB Yearly ROA, ROE, ROICAMNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 25.42%, AMNB perfoms like the industry average, outperforming 57.83% of the companies in the same industry.
  • In the last couple of years the Profit Margin of AMNB has declined.
  • The Operating Margin and Gross Margin are not available for AMNB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.42%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.19%
PM growth 5Y-4.03%
GM growth 3YN/A
GM growth 5YN/A
AMNB Yearly Profit, Operating, Gross MarginsAMNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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1

2. AMNB Health Analysis

2.1 Basic Checks

  • AMNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, AMNB has more shares outstanding
  • Compared to 1 year ago, AMNB has an improved debt to assets ratio.
AMNB Yearly Shares OutstandingAMNB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M
AMNB Yearly Total Debt VS Total AssetsAMNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

2.2 Solvency

  • AMNB has a debt to FCF ratio of 7.05. This is a slightly negative value and a sign of low solvency as AMNB would need 7.05 years to pay back of all of its debts.
  • AMNB's Debt to FCF ratio of 7.05 is on the low side compared to the rest of the industry. AMNB is outperformed by 73.01% of its industry peers.
  • A Debt/Equity ratio of 0.36 indicates that AMNB is not too dependend on debt financing.
  • AMNB has a worse Debt to Equity ratio (0.36) than 63.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 7.05
Altman-Z N/A
ROIC/WACCN/A
WACC11.77%
AMNB Yearly LT Debt VS Equity VS FCFAMNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AMNB Yearly Current Assets VS Current LiabilitesAMNB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. AMNB Growth Analysis

3.1 Past

  • AMNB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.15%.
  • Measured over the past years, AMNB shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.85% on average per year.
  • The Revenue has decreased by -5.63% in the past year.
  • Measured over the past years, AMNB shows a small growth in Revenue. The Revenue has been growing by 7.29% on average per year.
EPS 1Y (TTM)-24.15%
EPS 3Y-3.54%
EPS 5Y-1.85%
EPS Q2Q%-50%
Revenue 1Y (TTM)-5.63%
Revenue growth 3Y0.76%
Revenue growth 5Y7.29%
Sales Q2Q%-12.61%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-0.08%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.42%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
AMNB Yearly Revenue VS EstimatesAMNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
AMNB Yearly EPS VS EstimatesAMNB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

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1

4. AMNB Valuation Analysis

4.1 Price/Earnings Ratio

  • AMNB is valuated rather expensively with a Price/Earnings ratio of 19.49.
  • Based on the Price/Earnings ratio, AMNB is valued more expensive than 85.78% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of AMNB to the average of the S&P500 Index (25.23), we can say AMNB is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 19.51, the valuation of AMNB can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, AMNB is valued a bit more expensive than 75.66% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of AMNB to the average of the S&P500 Index (23.28), we can say AMNB is valued inline with the index average.
Industry RankSector Rank
PE 19.49
Fwd PE 19.51
AMNB Price Earnings VS Forward Price EarningsAMNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, AMNB is valued more expensive than 81.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF 29.13
EV/EBITDA N/A
AMNB Per share dataAMNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. AMNB Dividend Analysis

5.1 Amount

  • AMNB has a Yearly Dividend Yield of 2.51%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.80, AMNB is paying slightly less dividend.
  • AMNB's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.51%

5.2 History

  • The dividend of AMNB has a limited annual growth rate of 3.74%.
  • AMNB has been paying a dividend for at least 10 years, so it has a reliable track record.
  • AMNB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.74%
Div Incr Years9
Div Non Decr Years19
AMNB Yearly Dividends per shareAMNB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • AMNB pays out 48.75% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP48.75%
EPS Next 2YN/A
EPS Next 3YN/A
AMNB Yearly Income VS Free CF VS DividendAMNB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
AMNB Dividend Payout.AMNB Dividend Payout, showing the Payout Ratio.AMNB Dividend Payout.PayoutRetained Earnings

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AMNB Fundamentals: All Metrics, Ratios and Statistics

AMER NATL BNKSHS/DANVILLE VA

NASDAQ:AMNB (3/28/2024, 8:00:00 PM)

After market: 48.0142 +0.25 (+0.53%)

47.76

-0.16 (-0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-18
Inst Owners9.36%
Inst Owner Change0%
Ins Owners4.74%
Ins Owner Change0%
Market Cap507.69M
Revenue(TTM)102.91M
Net Income(TTM)26.16M
Analysts43.33
Price Target43.86 (-8.17%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.51%
Yearly Dividend1.2
Dividend Growth(5Y)3.74%
DP48.75%
Div Incr Years9
Div Non Decr Years19
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-12.95%
Min EPS beat(2)-29.71%
Max EPS beat(2)3.81%
EPS beat(4)2
Avg EPS beat(4)-6.83%
Min EPS beat(4)-29.71%
Max EPS beat(4)6.06%
EPS beat(8)5
Avg EPS beat(8)-3.04%
EPS beat(12)9
Avg EPS beat(12)6%
EPS beat(16)13
Avg EPS beat(16)7.81%
Revenue beat(2)0
Avg Revenue beat(2)-8.87%
Min Revenue beat(2)-11.47%
Max Revenue beat(2)-6.27%
Revenue beat(4)0
Avg Revenue beat(4)-7.2%
Min Revenue beat(4)-11.47%
Max Revenue beat(4)-4.74%
Revenue beat(8)1
Avg Revenue beat(8)-4.03%
Revenue beat(12)5
Avg Revenue beat(12)-0.72%
Revenue beat(16)7
Avg Revenue beat(16)-0.48%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 19.49
Fwd PE 19.51
P/S 4.93
P/FCF 29.13
P/OCF 26.77
P/B 1.48
P/tB 1.98
EV/EBITDA N/A
EPS(TTM)2.45
EY5.13%
EPS(NY)2.45
Fwd EY5.13%
FCF(TTM)1.64
FCFY3.43%
OCF(TTM)1.78
OCFY3.74%
SpS9.68
BVpS32.28
TBVpS24.07
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.85%
ROE 7.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.42%
GM N/A
FCFM 16.93%
ROA(3y)1.09%
ROA(5y)1.02%
ROE(3y)10.2%
ROE(5y)9.2%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.19%
PM growth 5Y-4.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 7.05
Debt/EBITDA N/A
Cap/Depr 48.62%
Cap/Sales 1.49%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 66.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.77%
ROIC/WACCN/A
Cap/Depr(3y)36.61%
Cap/Depr(5y)56.59%
Cap/Sales(3y)1.16%
Cap/Sales(5y)2%
Profit Quality(3y)105.89%
Profit Quality(5y)105.39%
High Growth Momentum
Growth
EPS 1Y (TTM)-24.15%
EPS 3Y-3.54%
EPS 5Y-1.85%
EPS Q2Q%-50%
EPS Next Y-0.08%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.63%
Revenue growth 3Y0.76%
Revenue growth 5Y7.29%
Sales Q2Q%-12.61%
Revenue Next Year3.42%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-62.71%
FCF growth 3Y-6.01%
FCF growth 5Y-6.8%
OCF growth 1Y-60.44%
OCF growth 3Y-7.13%
OCF growth 5Y-7.16%

AMER NATL BNKSHS/DANVILLE VA / AMNB Fundamental Analysis FAQ

What is the fundamental rating for AMNB stock?

ChartMill assigns a fundamental rating of 2 / 10 to AMNB.


What is the valuation status of AMER NATL BNKSHS/DANVILLE VA (AMNB) stock?

ChartMill assigns a valuation rating of 1 / 10 to AMER NATL BNKSHS/DANVILLE VA (AMNB). This can be considered as Overvalued.


What is the profitability of AMNB stock?

AMER NATL BNKSHS/DANVILLE VA (AMNB) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for AMNB stock?

The Price/Earnings (PE) ratio for AMER NATL BNKSHS/DANVILLE VA (AMNB) is 19.49 and the Price/Book (PB) ratio is 1.48.


What is the financial health of AMER NATL BNKSHS/DANVILLE VA (AMNB) stock?

The financial health rating of AMER NATL BNKSHS/DANVILLE VA (AMNB) is 1 / 10.