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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

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

» BMBN's 10-Y Financials


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

» Details

Insider Trades

Latest Guru Trades with BMBN

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

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Dividend & Buy Back

Dividend Yield 2.90
BMBN's Dividend Yield is ranked higher than
61% of the 1412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.46 vs. BMBN: 2.90 )
BMBN' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 2.9

Dividend Payout 0.20
BMBN's Dividend Payout is ranked higher than
85% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.49 vs. BMBN: 0.20 )
BMBN' s 10-Year Dividend Payout Range
Min: 0   Max: 0
Current: 0.2

Yield on cost (5-Year) 2.90
BMBN's Yield on cost (5-Year) is ranked higher than
55% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. BMBN: 2.90 )
BMBN' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 2.9

Valuation & Return


Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Benchmark Bankshares, Inc., formerly Lunenburg Community Bankshares, Inc., is a bank holding company incorporated under the laws of the Commonwealth of Virginia on March 7, 1986. The Company became a one bank holding company, under the Bank Holding Company Act of 1956 on January 1, 1987, subsequent to the acquiring of all the issued and outstanding shares of the Lunenburg County Bank's, now Benchmark Community Bank, common stocks. The Company does not own or operate any other businesses. The Bank has nine full-service banking offices in the Towns of Kenbridge and Victoria in Lunenburg County, two offices in the Town of Farmville in Prince Edward County, the Town of Crewe in Nottoway County, the Towns of South Hill, Clarksville, and Chase City in Mecklenburg County, and the Town of Lawrenceville in Brunswick County. The Bank offers a wide range of banking, related financial services to individuals, and small to medium ranged businesses. The services offered include checking, savings accounts, NOW and money market accounts, certificates of deposit, business loans, personal loans, mortgage loans, and other consumer oriented financial services including IRAs, safe deposit, drive-up, night deposit, internet banking, and automatic-teller machines at all but its downtown Farmville location. The Bank does not offer any trust services. The Bank relies on traditional sources of funding such as demand deposits, interest- bearing checking, money market deposit accounts, savings accounts, and certificates of deposit for funding its activities. These funds are subsequently loaned to the local community, with the exception of cash and prudent liquidity needs. Net income of $3,595,527 in 2003 was an increase of $197,487, or 5.81%, from net income of $3,398,040 in 2002. As of December 31, 2003, Benchmark Bankshares, Inc.

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