AMER NATL BNKSHS/DANVILLE VA (AMNB)
US0277451086 - Common Stock
AMNB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. Both the profitability and financial health of AMNB have multiple concerns. AMNB has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year AMNB was profitable.
In the past year AMNB had a positive cash flow from operations.
AMNB had positive earnings in each of the past 5 years.
AMNB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of AMNB (0.85%) is comparable to the rest of the industry.
AMNB's Return On Equity of 7.62% is on the low side compared to the rest of the industry. AMNB is outperformed by 64.58% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of AMNB (25.42%) is comparable to the rest of the industry.
AMNB's Profit Margin has declined in the last couple of years.
AMNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
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
The number of shares outstanding for AMNB has been increased compared to 5 years ago.
AMNB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of AMNB is 7.05, which is on the high side as it means it would take AMNB, 7.05 years of fcf income to pay off all of its debts.
AMNB has a worse Debt to FCF ratio (7.05) than 73.01% of its industry peers.
AMNB has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of AMNB (0.36) is worse than 63.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 7.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for AMNB have decreased strongly by -24.15% in the last year.
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 growth Q2Q-50%
Revenue 1Y (TTM)-5.63%
Revenue growth 3Y0.76%
Revenue growth 5Y7.29%
Revenue growth 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.
4. Valuation
4.1 Price/Earnings Ratio
AMNB is valuated rather expensively with a Price/Earnings ratio of 19.49.
85.78% of the companies in the same industry are cheaper than AMNB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of AMNB to the average of the S&P500 Index (24.92), we can say AMNB is valued slightly cheaper.
A Price/Forward Earnings ratio of 19.51 indicates a rather expensive valuation of AMNB.
75.66% of the companies in the same industry are cheaper than AMNB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.49. AMNB is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.49 | ||
| Fwd PE | 19.51 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AMNB indicates a rather expensive valuation: AMNB more expensive than 81.45% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.13 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
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 3.82, AMNB is paying slightly less dividend.
AMNB's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
5.2 History
The dividend of AMNB has a limited annual growth rate of 3.74%.
AMNB has paid a dividend for at least 10 years, which is a reliable track record.
AMNB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.74%
Div Incr Years9
Div Non Decr Years19
5.3 Sustainability
48.75% of the earnings are spent on dividend by AMNB. This is a bit on the high side, but may be sustainable.
DP48.75%
EPS Next 2YN/A
EPS Next 3YN/A
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)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap507.69M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.49 | ||
| Fwd PE | 19.51 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 7.62% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.42% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-24.15%
EPS 3Y-3.54%
EPS 5Y
EPS growth Q2Q
EPS Next Y-0.08%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-5.63%
Revenue growth 3Y0.76%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y