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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 0.39
SONA's Cash to Debt is ranked lower than
76% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. SONA: 0.39 )
Ranked among companies with meaningful Cash to Debt only.
SONA' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.67 Max: N/A
Current: 0.39
Equity to Asset 0.11
SONA's Equity to Asset is ranked higher than
57% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SONA: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
SONA' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.16 Max: 0.23
Current: 0.11
0.11
0.23
Interest Coverage 1.93
SONA's Interest Coverage is ranked higher than
55% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. SONA: 1.93 )
Ranked among companies with meaningful Interest Coverage only.
SONA' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 0.71 Max: 2.4
Current: 1.93
0.13
2.4
F-Score: 4
M-Score: -2.27
WACC vs ROIC
4.83%
8.43%
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 (%) 35.18
SONA's Operating margin (%) is ranked higher than
60% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. SONA: 35.18 )
Ranked among companies with meaningful Operating margin (%) only.
SONA' s Operating margin (%) Range Over the Past 10 Years
Min: 9.6  Med: 18.70 Max: 34.54
Current: 35.18
9.6
34.54
Net-margin (%) 23.86
SONA's Net-margin (%) is ranked higher than
55% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. SONA: 23.86 )
Ranked among companies with meaningful Net-margin (%) only.
SONA' s Net-margin (%) Range Over the Past 10 Years
Min: 6.92  Med: 16.03 Max: 22.99
Current: 23.86
6.92
22.99
ROE (%) 8.27
SONA's ROE (%) is ranked lower than
51% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. SONA: 8.27 )
Ranked among companies with meaningful ROE (%) only.
SONA' s ROE (%) Range Over the Past 10 Years
Min: 1.75  Med: 3.64 Max: 7.95
Current: 8.27
1.75
7.95
ROA (%) 0.97
SONA's ROA (%) is ranked higher than
56% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. SONA: 0.97 )
Ranked among companies with meaningful ROA (%) only.
SONA' s ROA (%) Range Over the Past 10 Years
Min: 0.3  Med: 0.63 Max: 0.98
Current: 0.97
0.3
0.98
Revenue Growth (3Y)(%) 3.10
SONA's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. SONA: 3.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SONA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 2.7  Med: 12.10 Max: 60.5
Current: 3.1
2.7
60.5
EBITDA Growth (3Y)(%) 7.70
SONA's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. SONA: 7.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SONA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.9  Med: 16.70 Max: 37.8
Current: 7.7
-5.9
37.8
EPS Growth (3Y)(%) 10.00
SONA's EPS Growth (3Y)(%) is ranked higher than
58% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SONA: 10.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SONA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.7  Med: 10.00 Max: 51.4
Current: 10
-14.7
51.4
» SONA's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


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

» Details

Guru Trades

Q2 2015

SONA Guru Trades in Q2 2015

Chuck Royce 247,343 sh (-7.15%)
» More
Q3 2015

SONA Guru Trades in Q3 2015

Chuck Royce 202,343 sh (-18.19%)
» More
Q4 2015

SONA Guru Trades in Q4 2015

Chuck Royce 186,343 sh (-7.91%)
» More
Q1 2016

SONA Guru Trades in Q1 2016

Chuck Royce 183,343 sh (-1.61%)
» More
» Details

Insider Trades

Latest Guru Trades with SONA

(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:LCNB, NAS:NCBS, OTCPK:CSHX, NAS:BWFG, NAS:SFST, NAS:ORRF » details
Southern National Bancorp of Virginia Inc is the bank holding company for Sonabank. It offers savings accounts, money market accounts, commercial real estate loans, construction to permanent loans, development and builder loans, among others.

Southern National Bancorp of Virginia Inc is a corporation formed on July 28, 2004 in the State of Virginia. It is the holding company for Sonabank, National Association. All of the communities served by Sonabank are located in Virginia. Sonabank conducts full-service community banking operations from locations in Fairfax County (Reston, McLean and Fairfax), Charlottesville, Warrenton, Leesburg, New Market, Front Royal, South Riding and Clifton Forge, Virginia and in Rockville, Maryland and maintains loan production offices in Richmond, Charlottesville, Warrenton and Fredericksburg. The main business of Sonabank is the acquisition of deposits from the general public through its branch offices and deposit intermediaries and the use of these deposits to fund its loan and investment portfolios. Sonabank is a full service community bank that provides a number of financial services to its middle market corporate clients as well as to its retail clients. It also invests funds in mortgage-backed securities, securities sold with an agreement to repurchase, reverse repurchase agreements and securities issued by agencies of the federal government. The main sources of funds for its lending and investment activities are deposits, amortization and repayment of loans, prepayments from mortgage-backed securities, repayments of maturing investment securities, Federal Home Loan Bank advances and other borrowed money. It serves small to medium-sized businesses in its market with a number of services, including a full array of commercial mortgage and non-mortgage loans. These loans include commercial real estate loans, construction to permanent loans, development and builder loans, accounts receivable financing, lines of credit, equipment and vehicle loans, leasing, and commercial overdraft protection.

Ratios

vs
industry
vs
history
P/E(ttm) 14.78
SONA's P/E(ttm) is ranked lower than
62% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. SONA: 14.78 )
Ranked among companies with meaningful P/E(ttm) only.
SONA' s P/E(ttm) Range Over the Past 10 Years
Min: 13.8  Med: 19.08 Max: 163.46
Current: 14.78
13.8
163.46
Forward P/E 13.81
SONA's Forward P/E is ranked lower than
79% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.51 vs. SONA: 13.81 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.97
SONA's PE(NRI) is ranked lower than
62% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. SONA: 14.97 )
Ranked among companies with meaningful PE(NRI) only.
SONA' s PE(NRI) Range Over the Past 10 Years
Min: 13.67  Med: 19.03 Max: 170
Current: 14.97
13.67
170
Price/Owner Earnings (ttm) 15.53
SONA's Price/Owner Earnings (ttm) is ranked lower than
68% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. SONA: 15.53 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SONA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.63  Med: 12.19 Max: 98.61
Current: 15.53
7.63
98.61
P/B 1.20
SONA's P/B is ranked lower than
64% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. SONA: 1.20 )
Ranked among companies with meaningful P/B only.
SONA' s P/B Range Over the Past 10 Years
Min: 0.42  Med: 0.96 Max: 1.54
Current: 1.2
0.42
1.54
P/S 3.57
SONA's P/S is ranked lower than
64% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. SONA: 3.57 )
Ranked among companies with meaningful P/S only.
SONA' s P/S Range Over the Past 10 Years
Min: 2.17  Med: 3.71 Max: 43.64
Current: 3.57
2.17
43.64
PFCF 13.51
SONA's PFCF is ranked lower than
67% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. SONA: 13.51 )
Ranked among companies with meaningful PFCF only.
SONA' s PFCF Range Over the Past 10 Years
Min: 5.46  Med: 12.63 Max: 268.18
Current: 13.51
5.46
268.18
POCF 13.21
SONA's POCF is ranked lower than
74% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. SONA: 13.21 )
Ranked among companies with meaningful POCF only.
SONA' s POCF Range Over the Past 10 Years
Min: 5.24  Med: 11.66 Max: 167.61
Current: 13.21
5.24
167.61
EV-to-EBIT 13.74
SONA's EV-to-EBIT is ranked lower than
54% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. SONA: 13.74 )
Ranked among companies with meaningful EV-to-EBIT only.
SONA' s EV-to-EBIT Range Over the Past 10 Years
Min: -28.9  Med: 14.30 Max: 263
Current: 13.74
-28.9
263
EV-to-EBITDA 12.63
SONA's EV-to-EBITDA is ranked lower than
55% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. SONA: 12.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
SONA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -55.8  Med: 12.50 Max: 263
Current: 12.63
-55.8
263
PEG 0.61
SONA's PEG is ranked higher than
71% of the 746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. SONA: 0.61 )
Ranked among companies with meaningful PEG only.
SONA' s PEG Range Over the Past 10 Years
Min: 0.71  Med: 0.92 Max: 1.66
Current: 0.61
0.71
1.66
Shiller P/E 31.39
SONA's Shiller P/E is ranked lower than
86% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. SONA: 31.39 )
Ranked among companies with meaningful Shiller P/E only.
SONA' s Shiller P/E Range Over the Past 10 Years
Min: 31.44  Med: 40.00 Max: 48.92
Current: 31.39
31.44
48.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.67
SONA's Dividend Yield is ranked lower than
57% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. SONA: 2.67 )
Ranked among companies with meaningful Dividend Yield only.
SONA' s Dividend Yield Range Over the Past 10 Years
Min: 0.21  Med: 2.48 Max: 2.86
Current: 2.67
0.21
2.86
Dividend Payout 0.40
SONA's Dividend Payout is ranked lower than
61% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SONA: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
SONA' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.42 Max: 0.58
Current: 0.4
0.08
0.58
Dividend Growth (3y) 49.90
SONA's Dividend Growth (3y) is ranked higher than
92% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. SONA: 49.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SONA' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 49.9
Current: 49.9
0
49.9
Forward Dividend Yield 2.66
SONA's Forward Dividend Yield is ranked lower than
62% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. SONA: 2.66 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.67
SONA's Yield on cost (5-Year) is ranked lower than
62% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. SONA: 2.67 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SONA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.21  Med: 2.48 Max: 2.86
Current: 2.67
0.21
2.86
3-Year Average Share Buyback Ratio -1.80
SONA's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SONA: -1.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SONA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -93.2  Med: -19.50 Max: 0
Current: -1.8
-93.2
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.34
SONA's Price/Tangible Book is ranked lower than
64% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SONA: 1.34 )
Ranked among companies with meaningful Price/Tangible Book only.
SONA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.71  Med: 1.04 Max: 1.95
Current: 1.34
0.71
1.95
Price/Projected FCF 0.75
SONA's Price/Projected FCF is ranked lower than
63% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. SONA: 0.75 )
Ranked among companies with meaningful Price/Projected FCF only.
SONA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.58  Med: 0.78 Max: 0.88
Current: 0.75
0.58
0.88
Price/Median PS Value 0.97
SONA's Price/Median PS Value is ranked higher than
56% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SONA: 0.97 )
Ranked among companies with meaningful Price/Median PS Value only.
SONA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.62  Med: 0.99 Max: 11.52
Current: 0.97
0.62
11.52
Price/Peter Lynch Fair Value 1.16
SONA's Price/Peter Lynch Fair Value is ranked lower than
64% of the 441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. SONA: 1.16 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SONA' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.7  Med: 0.92 Max: 1.88
Current: 1.16
0.7
1.88
Price/Graham Number 0.95
SONA's Price/Graham Number is ranked lower than
62% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. SONA: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
SONA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.71  Med: 1.05 Max: 2.72
Current: 0.95
0.71
2.72
Earnings Yield (Greenblatt) (%) 7.33
SONA's Earnings Yield (Greenblatt) (%) is ranked higher than
52% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. SONA: 7.33 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SONA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.4  Med: 6.50 Max: 14.5
Current: 7.33
0.4
14.5
Forward Rate of Return (Yacktman) (%) 20.03
SONA's Forward Rate of Return (Yacktman) (%) is ranked higher than
67% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. SONA: 20.03 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SONA' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 5.8  Med: 26.35 Max: 35.4
Current: 20.03
5.8
35.4

More Statistics

Revenue (TTM) (Mil) $41.29
EPS (TTM) $ 0.81
Beta0.22
Short Percentage of Float0.08%
52-Week Range $10.98 - 13.54
Shares Outstanding (Mil)12.25

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.83 0.87
EPS without NRI ($) 0.83 0.87
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for SONA

Headlines

Articles On GuruFocus.com
Southern National Bancorp of Virginia In Reports Operating Results (10-Q) Nov 08 2010 
Southern National Bancorp of Virginia In Reports Operating Results (10-Q) Aug 12 2010 
Southern National Bancorp of Virginia In Reports Operating Results (10-Q) May 14 2010 
Southern National Bancorp of Virginia In Reports Operating Results (10-Q) Nov 06 2009 
Southern National Bancorp of Virginia In Reports Operating Results (10-Q) Aug 14 2009 
Southern National Bancorp of Virginia In Reports Operating Results (10-Q) May 14 2009 

More From Other Websites
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Financials May 19 2016
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 10-Q, Quarterly Report May 10 2016
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 8-K, Submission of Matters to a Vote of... Apr 29 2016
Southern National Bancorp posts 1Q profit Apr 28 2016
Southern National Bancorp posts 1Q profit Apr 28 2016
Southern National Bancorp of Virginia Inc. reports earnings for the first quarter of 2016 of $2.6... Apr 28 2016
ETF’s with exposure to Southern National Bancorp of Virginia, Inc. : March 31, 2016 Mar 31 2016
Southern National Bancorp of Virginia, Inc. :SONA-US: Earnings Analysis: Q4, 2015 By the Numbers Mar 28 2016
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 10-K, Annual Report Mar 15 2016
Southern National Bancorp of Virginia, Inc. Earnings Analysis: Q4, 2015 By the Numbers Jan 25 2016
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 8-K, Results of Operations and Financial... Jan 22 2016
Southern National Bancorp posts 4Q profit Jan 21 2016
Southern National Bancorp posts 4Q profit Jan 21 2016
Is Southern National Banc. of Virginia, Inc (SONA) A Good Stock To Buy? Nov 24 2015
Southern National Bancorp of Virginia, Inc. Earnings Q3, 2015 Nov 11 2015
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 10-Q, Quarterly Report Nov 09 2015
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 8-K, Results of Operations and Financial... Oct 23 2015
Southern National Bancorp posts 3Q profit Oct 22 2015
Southern National Bancorp posts 3Q profit Oct 22 2015
Southern National Bancorp of Virginia, Inc. Earnings Q2, 2015 Sep 15 2015

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