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

NASDAQ:AMNB - Nasdaq - US0277451086 - Common Stock - Currency: USD

47.76  -0.16 (-0.33%)

After market: 48.0142 +0.25 (+0.53%)

Fundamental Rating

2

Overall AMNB gets a fundamental rating of 2 out of 10. We evaluated AMNB against 398 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

AMNB had positive earnings in the past year.
AMNB had a positive operating cash flow in the past year.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M

1.2 Ratios

The Return On Assets of AMNB (0.85%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 7.62%, AMNB is doing worse than 64.58% of the companies in the same industry.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

The Profit Margin of AMNB (25.42%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of AMNB has declined.
AMNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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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.
The number of shares outstanding for AMNB has been increased compared to 5 years ago.
Compared to 1 year ago, AMNB has an improved debt to assets ratio.
AMNB Yearly Shares OutstandingAMNB Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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 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.
AMNB's Debt to Equity ratio of 0.36 is on the low side compared to the rest of the industry. AMNB is outperformed by 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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

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1

3. Growth

3.1 Past

The earnings per share for AMNB have decreased strongly by -24.15% in the last year.
AMNB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.85% yearly.
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

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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.
AMNB is valuated rather cheaply when we compare the Price/Earnings ratio to 28.98, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 19.51, AMNB is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AMNB indicates a slightly more expensive valuation: AMNB is more expensive than 75.66% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, AMNB is valued at the same level.
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

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 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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5

5. Dividend

5.1 Amount

AMNB has a Yearly Dividend Yield of 2.51%.
Compared to an average industry Dividend Yield of 3.53, AMNB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.46, AMNB has a dividend comparable with the average S&P500 company.
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 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
AMNB Yearly Dividends per shareAMNB Yearly Dividends per shareYearly Dividends per share 2015 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 2015 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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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 2024-01-23/bmo
Earnings (Next)04-18 2024-04-18/amc
Inst Owners9.36%
Inst Owner Change0%
Ins Owners4.74%
Ins Owner Change0%
Market Cap507.69M
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
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
ROICexcg growth 3YN/A
ROICexcg 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%