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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 405 industry peers in the Banks industry. AMNB has a bad profitability rating. Also its financial health evaluation is rather negative. AMNB does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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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.
In the past 5 years AMNB has always been profitable.
In the past 5 years AMNB always reported a positive cash flow from operatings.
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

AMNB has a Return On Assets (0.85%) which is comparable to the rest of the industry.
With a Return On Equity value of 7.62%, AMNB is not doing good in the industry: 64.58% of the companies in the same industry are doing better.
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

AMNB's Profit Margin of 25.42% is in line compared to the rest of the industry. AMNB outperforms 57.83% of its industry peers.
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 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.
AMNB has more shares outstanding than it did 1 year ago.
AMNB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for AMNB has been reduced compared to a year ago.
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.
With a Debt to FCF ratio value of 7.05, AMNB is not doing good in the industry: 73.01% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.36 indicates that AMNB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.36, AMNB is not doing good in the industry: 63.37% of the companies in the same industry are doing better.
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

AMNB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.15%.
AMNB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.85% yearly.
Looking at the last year, AMNB shows a decrease in Revenue. The Revenue has decreased by -5.63% in the last 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

A Price/Earnings ratio of 19.49 indicates a rather expensive valuation of AMNB.
AMNB's Price/Earnings ratio is rather expensive when compared to the industry. AMNB is more expensive than 85.78% of the companies in the same industry.
AMNB is valuated rather cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 19.51, the valuation of AMNB can be described as rather expensive.
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.
When comparing the Price/Forward Earnings ratio of AMNB to the average of the S&P500 Index (22.70), 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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5

5. Dividend

5.1 Amount

AMNB has a Yearly Dividend Yield of 2.51%.
AMNB's Dividend Yield is slightly below the industry average, which is at 3.19.
Compared to an average S&P500 Dividend Yield of 2.27, 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 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 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 Change-12.53%
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%