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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.95
AMNB's Cash to Debt is ranked lower than
52% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. AMNB: 1.95 )
Ranked among companies with meaningful Cash to Debt only.
AMNB' s Cash to Debt Range Over the Past 10 Years
Min: 0.28  Med: 1.27 Max: No Debt
Current: 1.95
Equity to Asset 0.13
AMNB's Equity to Asset is ranked higher than
77% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. AMNB: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
AMNB' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.12 Max: 0.14
Current: 0.13
0.11
0.14
Interest Coverage 3.88
AMNB's Interest Coverage is ranked higher than
74% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. AMNB: 3.88 )
Ranked among companies with meaningful Interest Coverage only.
AMNB' s Interest Coverage Range Over the Past 10 Years
Min: 0.71  Med: 1.6 Max: 3.88
Current: 3.88
0.71
3.88
F-Score: 6
M-Score: -2.54
WACC vs ROIC
7.08%
10.77%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 38.24
AMNB's Operating margin (%) is ranked higher than
68% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. AMNB: 38.24 )
Ranked among companies with meaningful Operating margin (%) only.
AMNB' s Operating margin (%) Range Over the Past 10 Years
Min: 27.2  Med: 33.8 Max: 44.88
Current: 38.24
27.2
44.88
Net-margin (%) 26.85
AMNB's Net-margin (%) is ranked higher than
64% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. AMNB: 26.85 )
Ranked among companies with meaningful Net-margin (%) only.
AMNB' s Net-margin (%) Range Over the Past 10 Years
Min: 19.85  Med: 24.06 Max: 30.99
Current: 26.85
19.85
30.99
ROE (%) 8.50
AMNB's ROE (%) is ranked higher than
52% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. AMNB: 8.50 )
Ranked among companies with meaningful ROE (%) only.
AMNB' s ROE (%) Range Over the Past 10 Years
Min: 6.53  Med: 8.44 Max: 13.57
Current: 8.5
6.53
13.57
ROA (%) 1.09
AMNB's ROA (%) is ranked higher than
65% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. AMNB: 1.09 )
Ranked among companies with meaningful ROA (%) only.
AMNB' s ROA (%) Range Over the Past 10 Years
Min: 0.85  Med: 1.06 Max: 1.63
Current: 1.09
0.85
1.63
Revenue Growth (3Y)(%) -2.60
AMNB's Revenue Growth (3Y)(%) is ranked lower than
76% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. AMNB: -2.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AMNB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.8  Med: 6.2 Max: 95.3
Current: -2.6
-2.8
95.3
EBITDA Growth (3Y)(%) -5.80
AMNB's EBITDA Growth (3Y)(%) is ranked lower than
80% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. AMNB: -5.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AMNB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -15.6  Med: 5 Max: 22.8
Current: -5.8
-15.6
22.8
EPS Growth (3Y)(%) -5.30
AMNB's EPS Growth (3Y)(%) is ranked lower than
78% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. AMNB: -5.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AMNB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.2  Med: 5.1 Max: 22.1
Current: -5.3
-16.2
22.1
» AMNB's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-22)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q3 2015

AMNB Guru Trades in Q3 2015

Jim Simons 48,300 sh (+27.80%)
» More
Q4 2015

AMNB Guru Trades in Q4 2015

Jim Simons 60,670 sh (+25.61%)
» More
Q1 2016

AMNB Guru Trades in Q1 2016

Jim Simons 68,300 sh (+12.58%)
» More
Q2 2016

AMNB Guru Trades in Q2 2016

Jim Simons 75,100 sh (+9.96%)
» More
» Details

Insider Trades

Latest Guru Trades with AMNB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:TBBK, NAS:NKSH, NAS:OSBC, OTCPK:ALRS, NAS:ANCX, NAS:FFKT, NAS:ATLO, NAS:CNBKA, NAS:CCBG, NAS:MBVT, AMEX:BHB, NAS:FMBH, NAS:MNRK, NAS:BSRR, NAS:CZNC, NAS:FNLC, NAS:YCB, OTCPK:ISBA, NAS:BLMT, NAS:OLBK » details
American National Bankshares Inc is a holding company for American National Bank and Trust Company, which provides an array of financial products & services including commercial, mortgage and consumer banking; trust & investment services & insurance.

American National Bankshares Inc is a one-bank holding company organized under the laws of the Commonwealth of Virginia in 1984. The Company operates through its subsidiary American National Bank and Trust Company. The operations of the Company are conducted at twenty-five banking offices and two loan production offices serving Southern and Central Virginia and the northern portion of Central North Carolina. American National Bank and Trust Company provides a full array of financial products and services, including commercial, mortgage, and consumer banking; trust and investment services; and insurance. Services are also provided through twenty-five ATMs, 'AmeriLink' Internet banking, and 24-hour "Access American" telephone banking. The Company competes not only with national, regional, and community banks, but also with many other types of financial institutions, including without limitation, savings banks, finance companies, mutual and money market fund providers, brokerage firms, insurance companies, credit unions, and mortgage companies. The Company is extensively regulated under both federal and state law.

Ratios

vs
industry
vs
history
P/E(ttm) 14.24
AMNB's P/E(ttm) is ranked lower than
55% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. AMNB: 14.24 )
Ranked among companies with meaningful P/E(ttm) only.
AMNB' s P/E(ttm) Range Over the Past 10 Years
Min: 8.67  Med: 12.93 Max: 22.12
Current: 14.24
8.67
22.12
PE(NRI) 14.24
AMNB's PE(NRI) is ranked lower than
55% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. AMNB: 14.24 )
Ranked among companies with meaningful PE(NRI) only.
AMNB' s PE(NRI) Range Over the Past 10 Years
Min: 8.67  Med: 12.93 Max: 22.12
Current: 14.24
8.67
22.12
Price/Owner Earnings (ttm) 11.04
AMNB's Price/Owner Earnings (ttm) is ranked higher than
58% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. AMNB: 11.04 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
AMNB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.65  Med: 12.75 Max: 66.15
Current: 11.04
6.65
66.15
P/B 1.18
AMNB's P/B is ranked lower than
59% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. AMNB: 1.18 )
Ranked among companies with meaningful P/B only.
AMNB' s P/B Range Over the Past 10 Years
Min: 0.86  Med: 1.12 Max: 1.77
Current: 1.18
0.86
1.77
P/S 3.83
AMNB's P/S is ranked lower than
67% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. AMNB: 3.83 )
Ranked among companies with meaningful P/S only.
AMNB' s P/S Range Over the Past 10 Years
Min: 2.22  Med: 3.36 Max: 4.28
Current: 3.83
2.22
4.28
PFCF 12.03
AMNB's PFCF is ranked lower than
57% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. AMNB: 12.03 )
Ranked among companies with meaningful PFCF only.
AMNB' s PFCF Range Over the Past 10 Years
Min: 5.84  Med: 11.75 Max: 56.82
Current: 12.03
5.84
56.82
POCF 11.38
AMNB's POCF is ranked lower than
61% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. AMNB: 11.38 )
Ranked among companies with meaningful POCF only.
AMNB' s POCF Range Over the Past 10 Years
Min: 5.7  Med: 10.78 Max: 47.62
Current: 11.38
5.7
47.62
EV-to-EBIT 8.47
AMNB's EV-to-EBIT is ranked higher than
68% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. AMNB: 8.47 )
Ranked among companies with meaningful EV-to-EBIT only.
AMNB' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.8  Med: 8.5 Max: 22.3
Current: 8.47
3.8
22.3
EV-to-EBITDA 7.51
AMNB's EV-to-EBITDA is ranked higher than
69% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. AMNB: 7.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
AMNB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.2  Med: 7.6 Max: 19
Current: 7.51
3.2
19
PEG 4.30
AMNB's PEG is ranked lower than
86% of the 740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. AMNB: 4.30 )
Ranked among companies with meaningful PEG only.
AMNB' s PEG Range Over the Past 10 Years
Min: 0.63  Med: 4.64 Max: 27.48
Current: 4.3
0.63
27.48
Shiller P/E 15.67
AMNB's Shiller P/E is ranked higher than
61% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. AMNB: 15.67 )
Ranked among companies with meaningful Shiller P/E only.
AMNB' s Shiller P/E Range Over the Past 10 Years
Min: 7.84  Med: 12.34 Max: 15.75
Current: 15.67
7.84
15.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.46
AMNB's Dividend Yield is ranked higher than
60% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. AMNB: 3.46 )
Ranked among companies with meaningful Dividend Yield only.
AMNB' s Dividend Yield Range Over the Past 10 Years
Min: 3.4  Med: 4.13 Max: 6.34
Current: 3.46
3.4
6.34
Dividend Payout 0.49
AMNB's Dividend Payout is ranked lower than
74% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. AMNB: 0.49 )
Ranked among companies with meaningful Dividend Payout only.
AMNB' s Dividend Payout Range Over the Past 10 Years
Min: 0.37  Med: 0.45 Max: 1.77
Current: 0.49
0.37
1.77
Dividend Growth (3y) 0.40
AMNB's Dividend Growth (3y) is ranked lower than
77% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. AMNB: 0.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
AMNB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 4.8 Max: 15
Current: 0.4
0
15
Forward Dividend Yield 3.46
AMNB's Forward Dividend Yield is ranked higher than
56% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. AMNB: 3.46 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.48
AMNB's Yield on cost (5-Year) is ranked higher than
50% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. AMNB: 3.48 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AMNB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.43  Med: 4.17 Max: 6.4
Current: 3.48
3.43
6.4
3-Year Average Share Buyback Ratio -3.20
AMNB's 3-Year Average Share Buyback Ratio is ranked lower than
55% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. AMNB: -3.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AMNB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -8.8  Med: -0.1 Max: 2.3
Current: -3.2
-8.8
2.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.53
AMNB's Price/Tangible Book is ranked lower than
69% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. AMNB: 1.53 )
Ranked among companies with meaningful Price/Tangible Book only.
AMNB' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.1  Med: 1.65 Max: 2.46
Current: 1.53
1.1
2.46
Price/Projected FCF 0.75
AMNB's Price/Projected FCF is ranked lower than
58% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. AMNB: 0.75 )
Ranked among companies with meaningful Price/Projected FCF only.
AMNB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.55  Med: 0.75 Max: 1.27
Current: 0.75
0.55
1.27
Price/Median PS Value 1.14
AMNB's Price/Median PS Value is ranked lower than
64% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. AMNB: 1.14 )
Ranked among companies with meaningful Price/Median PS Value only.
AMNB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.77  Med: 1.13 Max: 2.61
Current: 1.14
0.77
2.61
Price/Graham Number 0.98
AMNB's Price/Graham Number is ranked lower than
62% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. AMNB: 0.98 )
Ranked among companies with meaningful Price/Graham Number only.
AMNB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.62  Med: 0.99 Max: 1.39
Current: 0.98
0.62
1.39
Earnings Yield (Greenblatt) (%) 11.80
AMNB's Earnings Yield (Greenblatt) (%) is ranked higher than
75% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. AMNB: 11.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AMNB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.5  Med: 11.8 Max: 26.5
Current: 11.8
4.5
26.5
Forward Rate of Return (Yacktman) (%) 7.88
AMNB's Forward Rate of Return (Yacktman) (%) is ranked lower than
61% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. AMNB: 7.88 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AMNB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -3.9  Med: 9.9 Max: 26.6
Current: 7.88
-3.9
26.6

More Statistics

Revenue (TTM) (Mil) $62.79
EPS (TTM) $ 1.95
Beta0.64
Short Percentage of Float2.84%
52-Week Range $22.29 - 28.42
Shares Outstanding (Mil)8.61

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 2,391 2,795
EPS ($) -0.92 -0.17
EPS w/o NRI ($) -0.92 -0.17
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.25 0.25
» More Articles for AMNB

Headlines

Articles On GuruFocus.com
76 Monster Yield Stocks with Ex-Dividend Date September 2012 Aug 31 2012 

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