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10 (1y: +43%)
Market Cap 114.2 M P/E(ttm) 18.80
Enterprise Value 138.97 M P/B 1.10
SONA- NAS (USA)
Southern National Bancorp of Virginia Inc
Not Rated
Top Ranked Predictable Companies
$10.00
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 1.296
SONA's Cash to Debt is ranked higher than
60% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. SONA: 1.296 )
SONA' s 10-Year Cash to Debt Range
Min: 0.03   Max: 1.62
Current: 1.3
0.03
1.62
Equity to Asset 0.128
SONA's Equity to Asset is ranked higher than
74% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SONA: 0.128 )
SONA' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.18
Current: 0.13
0.06
0.18
Interest Coverage No Debt
SONA's Interest Coverage is ranked lower than
87% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. SONA: No Debt )
SONA' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.37
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 5/10

vs
industry		 vs
history
Operating margin (%) 27.90
SONA's Operating margin (%) is ranked higher than
58% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. SONA: 27.90 )
SONA' s 10-Year Operating margin (%) Range
Min: 9.6   Max: 27.9
Current: 27.9
9.6
27.9
Net-margin (%) 18.9
SONA's Net-margin (%) is ranked higher than
53% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. SONA: 18.9 )
SONA' s 10-Year Net-margin (%) Range
Min: 5.5   Max: 18.9
Current: 18.9
5.5
18.9
ROE (%) 6.4
SONA's ROE (%) is ranked higher than
52% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. SONA: 6.4 )
SONA' s 10-Year ROE (%) Range
Min: 1.5   Max: 6.4
Current: 6.4
1.5
6.4
ROA (%) 0.9
SONA's ROA (%) is ranked higher than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. SONA: 0.9 )
SONA' s 10-Year ROA (%) Range
Min: 0.2   Max: 0.9
Current: 0.9
0.2
0.9
Revenue Growth (%) 2
SONA's Revenue Growth (%) is ranked higher than
70% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SONA: 2 )
SONA' s 10-Year Revenue Growth (%) Range
Min: -17   Max: 17.5
Current: 2
-17
17.5
EBITDA Growth (%) 12.9
SONA's EBITDA Growth (%) is ranked higher than
80% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SONA: 12.9 )
SONA' s 10-Year EBITDA Growth (%) Range
Min: -21.6   Max: 13.6
Current: 12.9
-21.6
13.6
EPS Growth (%) 16.4
SONA's EPS Growth (%) is ranked higher than
82% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SONA: 16.4 )
SONA' s 10-Year EPS Growth (%) Range
Min: -11.1   Max: 20.5
Current: 16.4
-11.1
20.5
ยป SONA's 10-Y Financials

Financials


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

» Details

Guru Trades

SONA Guru Trades in

SONA Guru Trades in

SONA Guru Trades in

Q1 2013

SONA Guru Trades in Q1 2013

Chuck Royce 192,471 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with SONA



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 18.80
SONA's P/E(ttm) is ranked lower than
74% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. SONA: 18.80 )
SONA' s 10-Year P/E(ttm) Range
Min: 13.13   Max: 170
Current: 18.8
13.13
170
P/B 1.10
SONA's P/B is ranked lower than
64% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. SONA: 1.10 )
SONA' s 10-Year P/B Range
Min: 0.43   Max: 1.5
Current: 1.1
0.43
1.5
P/S 3.30
SONA's P/S is ranked lower than
70% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. SONA: 3.30 )
SONA' s 10-Year P/S Range
Min: 2.33   Max: 14.05
Current: 3.3
2.33
14.05
PFCF 11.90
SONA's PFCF is ranked lower than
72% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SONA: 11.90 )
SONA' s 10-Year PFCF Range
Min: 4.59   Max: 70.25
Current: 11.9
4.59
70.25
EV-to-EBIT 16.9
SONA's EV-to-EBIT is ranked lower than
54% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. SONA: 16.9 )
SONA' s 10-Year EV-to-EBIT Range
Min: 8.7   Max: 97.6
Current: 16.9
8.7
97.6
PEG 0.9
SONA's PEG is ranked lower than
51% of the 286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SONA: 0.9 )
SONA' s 10-Year PEG Range
Min: 0.71   Max: 100.82
Current: 0.9
0.71
100.82
Shiller P/E 28.8
SONA's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. SONA: 28.8 )
SONA' s 10-Year Shiller P/E Range
Min: 20.61   Max: 31.67
Current: 28.8
20.61
31.67

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.70
SONA's Dividend Yield is ranked higher than
53% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. SONA: 1.70 )
SONA' s 10-Year Dividend Yield Range
Min: 0.21   Max: 1.39
Current: 1.7
0.21
1.39
Dividend Payout 0.2412
SONA's Dividend Payout is ranked higher than
61% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. SONA: 0.2412 )
SONA' s 10-Year Dividend Payout Range
Min: 0.17   Max: 0.17
Current: 0.24
Yield on cost (5-Year) 1.80
SONA's Yield on cost (5-Year) is ranked higher than
62% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SONA: 1.80 )
SONA' s 10-Year Yield on cost (5-Year) Range
Min: 0.21   Max: 1.39
Current: 1.8
0.21
1.39
Share Buyback Rate -11.3
SONA's Share Buyback Rate is ranked lower than
88% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. SONA: -11.3 )
SONA' s 10-Year Share Buyback Rate Range
Min: -11.3   Max: -64.7
Current: -11.3

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.2
SONA's Price/Tangible Book is ranked lower than
60% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SONA: 1.2 )
SONA' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 1.2
Current: 1.2
0.6
1.2
Price/DCF (Projected) 0.6
SONA's Price/DCF (Projected) is ranked lower than
58% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. SONA: 0.6 )
SONA' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.5
Current: 0.6
0.4
0.5
Price/Median PS Value 1
SONA's Price/Median PS Value is ranked lower than
60% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SONA: 1 )
SONA' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 4.2
Current: 1
0.7
4.2
Price/Peter Lynch Fair Value 0.7
SONA's Price/Peter Lynch Fair Value is ranked higher than
58% of the 175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SONA: 0.7 )
SONA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.7   Max: 1.3
Current: 0.7
0.7
1.3
Price/Graham Number 0.9
SONA's Price/Graham Number is ranked lower than
60% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SONA: 0.9 )
SONA' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 1.9
Current: 0.9
0.8
1.9
Earnings Yield (Greenblatt) 5.90
SONA's Earnings Yield (Greenblatt) is ranked higher than
56% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. SONA: 5.90 )
SONA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 11.5
Current: 5.9
1
11.5
Forward Rate of Return (Yacktman) 30.4
SONA's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. SONA: 30.4 )
SONA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 8.3   Max: 31.7
Current: 30.4
8.3
31.7

Business Description

Southern National Bancorp of Virginia, Inc. was incorporated 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 unique and useful 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for SONA

Headlines

Articles On GuruFocus.com
The Best Yielding Ex-Dividend Stocks on Feb. 7, 2013 Feb 06 2013 
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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 

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