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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.50
SONA's Cash-to-Debt is ranked lower than
74% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. SONA: 0.50 )
Ranked among companies with meaningful Cash-to-Debt only.
SONA' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.49 Max: N/A
Current: 0.5
Equity-to-Asset 0.11
SONA's Equity-to-Asset is ranked higher than
58% of the 1591 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: 0.08  Med: 0.16 Max: 0.26
Current: 0.11
0.08
0.26
Interest Coverage 1.78
SONA's Interest Coverage is ranked higher than
52% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SONA: 1.78 )
Ranked among companies with meaningful Interest Coverage only.
SONA' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 1.66 Max: 2.4
Current: 1.78
0.13
2.4
Beneish M-Score: -2.08
WACC vs ROIC
4.78%
6.14%
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 : 6/10

vs
industry
vs
history
Operating Margin % 35.72
SONA's Operating Margin % is ranked higher than
60% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. SONA: 35.72 )
Ranked among companies with meaningful Operating Margin % only.
SONA' s Operating Margin % Range Over the Past 10 Years
Min: -71.82  Med: 23.2 Max: 35.72
Current: 35.72
-71.82
35.72
Net Margin % 23.91
SONA's Net Margin % is ranked higher than
54% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. SONA: 23.91 )
Ranked among companies with meaningful Net Margin % only.
SONA' s Net Margin % Range Over the Past 10 Years
Min: -45.69  Med: 16.68 Max: 23.91
Current: 23.91
-45.69
23.91
ROE % 8.38
SONA's ROE % is ranked lower than
52% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. SONA: 8.38 )
Ranked among companies with meaningful ROE % only.
SONA' s ROE % Range Over the Past 10 Years
Min: -5.64  Med: 5.21 Max: 8.38
Current: 8.38
-5.64
8.38
ROA % 0.93
SONA's ROA % is ranked higher than
52% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SONA: 0.93 )
Ranked among companies with meaningful ROA % only.
SONA' s ROA % Range Over the Past 10 Years
Min: -0.9  Med: 0.8 Max: 0.98
Current: 0.93
-0.9
0.98
3-Year Revenue Growth Rate 7.80
SONA's 3-Year Revenue Growth Rate is ranked higher than
67% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. SONA: 7.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SONA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -5.4  Med: 10.1 Max: 418
Current: 7.8
-5.4
418
3-Year EBITDA Growth Rate 12.50
SONA's 3-Year EBITDA Growth Rate is ranked higher than
67% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SONA: 12.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SONA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 7.7  Med: 16 Max: 22.7
Current: 12.5
7.7
22.7
3-Year EPS without NRI Growth Rate 15.40
SONA's 3-Year EPS without NRI Growth Rate is ranked higher than
71% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SONA: 15.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SONA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -14.5  Med: 15.4 Max: 28.3
Current: 15.4
-14.5
28.3
GuruFocus has detected 6 Warning Signs with Southern National Bancorp of Virginia Inc $SONA.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SONA's 10-Y Financials

Financials (Next Earnings Date: 2017-04-28 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

SONA Guru Trades in Q1 2016

Chuck Royce 183,343 sh (-1.61%)
» More
Q2 2016

SONA Guru Trades in Q2 2016

Jim Simons 48,300 sh (New)
Chuck Royce 179,843 sh (-1.91%)
» More
Q3 2016

SONA Guru Trades in Q3 2016

Jim Simons 67,300 sh (+39.34%)
Chuck Royce 177,343 sh (-1.39%)
» More
Q4 2016

SONA Guru Trades in Q4 2016

Jim Simons 163,900 sh (+143.54%)
Chuck Royce 174,343 sh (-1.69%)
» 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    NAICS: 522110    SIC: 6022
Compare:NAS:CSTR, OTCPK:ISBA, NAS:SHBI, NAS:SFST, NAS:CVLY, OTCPK:JMSB, NAS:NRIM, NAS:PWOD, NAS:CIVB, NAS:PFBI, OTCPK:CSHX, NAS:PVBC, NAS:FBIZ, NAS:FCFP, NAS:MFSF, NAS:FFNW, NAS:SMMF, NAS:ISTR, NAS:UNB, NAS:INBK » details
Headquarter Location:USA
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.

Top Ranked Articles about Southern National Bancorp of Virginia Inc

Insiders Roundup: Southern National Bancorp of Virginia Tops List The largest insider trades of the week
The All-in-One Screener can be used to find insider trades from the past week. Under the Insiders tab, change the settings for All Insider Buying to “$20,000+” and the duration to “December 2016” to “January 2017” and All Insider Sales to “$5,000,000+.” Read more...

Ratios

vs
industry
vs
history
PE Ratio 21.36
SONA's PE Ratio is ranked lower than
73% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. SONA: 21.36 )
Ranked among companies with meaningful PE Ratio only.
SONA' s PE Ratio Range Over the Past 10 Years
Min: 13.67  Med: 18.95 Max: 170
Current: 21.36
13.67
170
PE Ratio without NRI 21.36
SONA's PE Ratio without NRI is ranked lower than
73% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. SONA: 21.36 )
Ranked among companies with meaningful PE Ratio without NRI only.
SONA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 13.67  Med: 18.96 Max: 170
Current: 21.36
13.67
170
Price-to-Owner-Earnings 14.76
SONA's Price-to-Owner-Earnings is ranked higher than
51% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. SONA: 14.76 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SONA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.78  Med: 12.99 Max: 108.19
Current: 14.76
7.78
108.19
PB Ratio 1.73
SONA's PB Ratio is ranked lower than
74% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SONA: 1.73 )
Ranked among companies with meaningful PB Ratio only.
SONA' s PB Ratio Range Over the Past 10 Years
Min: 0.42  Med: 1.05 Max: 1.73
Current: 1.73
0.42
1.73
PS Ratio 5.17
SONA's PS Ratio is ranked lower than
75% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. SONA: 5.17 )
Ranked among companies with meaningful PS Ratio only.
SONA' s PS Ratio Range Over the Past 10 Years
Min: 2.17  Med: 3.74 Max: 43.64
Current: 5.17
2.17
43.64
Price-to-Free-Cash-Flow 12.45
SONA's Price-to-Free-Cash-Flow is ranked higher than
52% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. SONA: 12.45 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SONA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.46  Med: 12.61 Max: 268.18
Current: 12.45
5.46
268.18
Price-to-Operating-Cash-Flow 12.35
SONA's Price-to-Operating-Cash-Flow is ranked lower than
54% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. SONA: 12.35 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SONA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.24  Med: 11.7 Max: 167.61
Current: 12.35
5.24
167.61
EV-to-EBIT 17.07
SONA's EV-to-EBIT is ranked lower than
65% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. SONA: 17.07 )
Ranked among companies with meaningful EV-to-EBIT only.
SONA' s EV-to-EBIT Range Over the Past 10 Years
Min: -28.9  Med: 14.2 Max: 235.9
Current: 17.07
-28.9
235.9
EV-to-EBITDA 16.04
SONA's EV-to-EBITDA is ranked lower than
66% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. SONA: 16.04 )
Ranked among companies with meaningful EV-to-EBITDA only.
SONA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -55.8  Med: 12.7 Max: 235.9
Current: 16.04
-55.8
235.9
PEG Ratio 1.58
SONA's PEG Ratio is ranked lower than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. SONA: 1.58 )
Ranked among companies with meaningful PEG Ratio only.
SONA' s PEG Ratio Range Over the Past 10 Years
Min: 0.69  Med: 1.03 Max: 1.66
Current: 1.58
0.69
1.66
Shiller PE Ratio 43.45
SONA's Shiller PE Ratio is ranked lower than
88% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. SONA: 43.45 )
Ranked among companies with meaningful Shiller PE Ratio only.
SONA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 30.1  Med: 36.26 Max: 47.15
Current: 43.45
30.1
47.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.78
SONA's Dividend Yield % is ranked lower than
68% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. SONA: 1.78 )
Ranked among companies with meaningful Dividend Yield % only.
SONA' s Dividend Yield % Range Over the Past 10 Years
Min: 0.21  Med: 2.47 Max: 2.86
Current: 1.78
0.21
2.86
Dividend Payout Ratio 0.39
SONA's Dividend Payout Ratio is ranked lower than
60% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SONA: 0.39 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SONA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.43 Max: 0.48
Current: 0.39
0.17
0.48
3-Year Dividend Growth Rate 8.60
SONA's 3-Year Dividend Growth Rate is ranked higher than
54% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SONA: 8.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SONA' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 49.9
Current: 8.6
0
49.9
Forward Dividend Yield % 1.78
SONA's Forward Dividend Yield % is ranked lower than
73% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. SONA: 1.78 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.78
SONA's 5-Year Yield-on-Cost % is ranked lower than
75% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. SONA: 1.78 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SONA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.21  Med: 2.47 Max: 2.86
Current: 1.78
0.21
2.86
3-Year Average Share Buyback Ratio -1.90
SONA's 3-Year Average Share Buyback Ratio is ranked lower than
51% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. SONA: -1.90 )
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: -10.7 Max: 0
Current: -1.9
-93.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.91
SONA's Price-to-Tangible-Book is ranked lower than
72% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. SONA: 1.91 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SONA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.71  Med: 1.08 Max: 1.95
Current: 1.91
0.71
1.95
Price-to-Intrinsic-Value-Projected-FCF 0.94
SONA's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
60% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SONA: 0.94 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SONA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.58  Med: 0.8 Max: 0.94
Current: 0.94
0.58
0.94
Price-to-Median-PS-Value 1.38
SONA's Price-to-Median-PS-Value is ranked lower than
66% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. SONA: 1.38 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SONA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.63  Med: 1 Max: 11.43
Current: 1.38
0.63
11.43
Price-to-Peter-Lynch-Fair-Value 1.68
SONA's Price-to-Peter-Lynch-Fair-Value is ranked lower than
64% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SONA: 1.68 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
SONA' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.72  Med: 1.14 Max: 1.69
Current: 1.68
0.72
1.69
Price-to-Graham-Number 1.35
SONA's Price-to-Graham-Number is ranked lower than
72% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. SONA: 1.35 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SONA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.76  Med: 1.03 Max: 2.39
Current: 1.35
0.76
2.39
Earnings Yield (Greenblatt) % 5.85
SONA's Earnings Yield (Greenblatt) % is ranked higher than
50% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. SONA: 5.85 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SONA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.4  Med: 6.55 Max: 14.5
Current: 5.85
0.4
14.5
Forward Rate of Return (Yacktman) % 18.17
SONA's Forward Rate of Return (Yacktman) % is ranked higher than
68% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. SONA: 18.17 )
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: 24.8 Max: 35.4
Current: 18.17
5.8
35.4

More Statistics

Revenue (TTM) (Mil) $43.13
EPS (TTM) $ 0.84
Beta0.29
Short Percentage of Float0.83%
52-Week Range $11.60 - 17.75
Shares Outstanding (Mil)12.32

Analyst Estimate

Dec18
Revenue (Mil $)
EPS ($) 1.17
EPS without NRI ($) 1.17
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.36
» 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 

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