AMER NATL BNKSHS/DANVILLE VA (AMNB) Stock Fundamental Analysis

NASDAQ:AMNB • US0277451086

47.76 USD
-0.16 (-0.33%)
At close: Mar 28, 2024
48.0142 USD
+0.25 (+0.53%)
After Hours: 3/28/2024, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

AMNB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. Both the profitability and financial health of AMNB have multiple concerns. AMNB does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year AMNB was profitable.
  • AMNB had a positive operating cash flow in the past year.
  • AMNB had positive earnings in each of the past 5 years.
  • Each year in the past 5 years AMNB had a positive operating cash flow.
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's Return On Assets of 0.85% is in line compared to the rest of the industry. AMNB outperforms 47.47% of 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

  • Looking at the Profit Margin, with a value of 25.42%, AMNB is in line with its industry, outperforming 57.83% of the companies in the same industry.
  • AMNB's Profit Margin has declined in the last couple of years.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • AMNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for AMNB has been increased compared to 1 year ago.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 7.05, AMNB is doing worse than 73.01% of the companies in the same industry.
  • 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 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. Growth

3.1 Past

  • AMNB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.15%.
  • The Earnings Per Share has been decreasing by -1.85% on average over the past years.
  • The Revenue has decreased by -5.63% in the past year.
  • The Revenue has been growing slightly by 7.29% on average over the past years.
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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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 19.49, AMNB is valued on the expensive side.
  • Based on the Price/Earnings ratio, AMNB is valued expensively inside the industry as 85.78% of the companies are valued cheaper.
  • Compared to an average S&P500 Price/Earnings ratio of 27.27, AMNB is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 19.51 indicates a rather expensive valuation of AMNB.
  • Based on the Price/Forward Earnings ratio, AMNB is valued a bit more expensive than the industry average as 75.66% of the companies are valued more cheaply.
  • AMNB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.16, which is the current average of the S&P500 Index.
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

  • 81.45% of the companies in the same industry are cheaper than AMNB, based on the Price/Free Cash Flow ratio.
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. Dividend

5.1 Amount

  • AMNB has a Yearly Dividend Yield of 2.51%. Purely for dividend investing, there may be better candidates out there.
  • AMNB's Dividend Yield is slightly below the industry average, which is at 2.78.
  • AMNB's Dividend Yield is a higher than the S&P500 average which is at 1.84.
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 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
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

  • 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
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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Find the best dividend stocksShow peers with best dividend

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 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.