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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 0.59
SONA's Cash to Debt is ranked lower than
71% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. SONA: 0.59 )
Ranked among companies with meaningful Cash to Debt only.
SONA' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.6 Max: N/A
Current: 0.59
Equity to Asset 0.11
SONA's Equity to Asset is ranked higher than
56% of the 1608 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: 0.15 Max: 0.23
Current: 0.11
0.11
0.23
Interest Coverage 1.88
SONA's Interest Coverage is ranked higher than
54% of the 1529 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. SONA: 1.88 )
Ranked among companies with meaningful Interest Coverage only.
SONA' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 1 Max: 2.4
Current: 1.88
0.13
2.4
F-Score: 4
M-Score: -2.70
WACC vs ROIC
5.36%
7.07%
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 (%) 35.82
SONA's Operating margin (%) is ranked higher than
61% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. SONA: 35.82 )
Ranked among companies with meaningful Operating margin (%) only.
SONA' s Operating margin (%) Range Over the Past 10 Years
Min: -71.82  Med: 20.4 Max: 34.54
Current: 35.82
-71.82
34.54
Net-margin (%) 24.28
SONA's Net-margin (%) is ranked higher than
56% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.44 vs. SONA: 24.28 )
Ranked among companies with meaningful Net-margin (%) only.
SONA' s Net-margin (%) Range Over the Past 10 Years
Min: -45.69  Med: 16.05 Max: 22.99
Current: 24.28
-45.69
22.99
ROE (%) 8.58
SONA's ROE (%) is ranked higher than
50% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. SONA: 8.58 )
Ranked among companies with meaningful ROE (%) only.
SONA' s ROE (%) Range Over the Past 10 Years
Min: -5.64  Med: 4.29 Max: 7.95
Current: 8.58
-5.64
7.95
ROA (%) 0.97
SONA's ROA (%) is ranked higher than
56% of the 1627 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: -0.9  Med: 0.7 Max: 0.98
Current: 0.97
-0.9
0.98
Revenue Growth (3Y)(%) 0.60
SONA's Revenue Growth (3Y)(%) is ranked lower than
64% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. SONA: 0.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SONA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.4  Med: 12.4 Max: 418
Current: 0.6
-5.4
418
EBITDA Growth (3Y)(%) 7.70
SONA's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1229 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: 7.7  Med: 16.4 Max: 22.7
Current: 7.7
7.7
22.7
EPS Growth (3Y)(%) 9.60
SONA's EPS Growth (3Y)(%) is ranked higher than
57% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SONA: 9.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SONA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.5  Med: 13.75 Max: 28.3
Current: 9.6
-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: Est. 2017-04-28)


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

» Details

Guru Trades

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
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
» 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:SHBI, OTCPK:CSHX, NAS:PFBI, NAS:INBK, NAS:NRIM, NAS:FCFP, NAS:ORRF, NAS:FFNW, NAS:FBIZ, NAS:LCNB, NAS:UNB, NAS:CVLY, NAS:CSTR, NAS:ACNB, NAS:OSHC, OTCPK:ISBA, NAS:PWOD, NAS:MFSF, NAS:BWFG, NAS:FGBI » 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.

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
P/E(ttm) 18.94
SONA's P/E(ttm) is ranked lower than
69% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.41 vs. SONA: 18.94 )
Ranked among companies with meaningful P/E(ttm) only.
SONA' s P/E(ttm) Range Over the Past 10 Years
Min: 13.67  Med: 18.85 Max: 170
Current: 18.94
13.67
170
Forward P/E 17.30
SONA's Forward P/E is ranked lower than
64% of the 360 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.55 vs. SONA: 17.30 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.94
SONA's PE(NRI) is ranked lower than
69% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. SONA: 18.94 )
Ranked among companies with meaningful PE(NRI) only.
SONA' s PE(NRI) Range Over the Past 10 Years
Min: 13.67  Med: 18.86 Max: 170
Current: 18.94
13.67
170
Price/Owner Earnings (ttm) 23.47
SONA's Price/Owner Earnings (ttm) is ranked lower than
78% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.83 vs. SONA: 23.47 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SONA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.78  Med: 12.89 Max: 108.19
Current: 23.47
7.78
108.19
P/B 1.58
SONA's P/B is ranked lower than
72% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SONA: 1.58 )
Ranked among companies with meaningful P/B only.
SONA' s P/B Range Over the Past 10 Years
Min: 0.42  Med: 1.02 Max: 1.62
Current: 1.58
0.42
1.62
P/S 4.63
SONA's P/S is ranked lower than
72% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. SONA: 4.63 )
Ranked among companies with meaningful P/S only.
SONA' s P/S Range Over the Past 10 Years
Min: 2.17  Med: 3.72 Max: 43.64
Current: 4.63
2.17
43.64
PFCF 16.45
SONA's PFCF is ranked lower than
63% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. SONA: 16.45 )
Ranked among companies with meaningful PFCF only.
SONA' s PFCF Range Over the Past 10 Years
Min: 5.46  Med: 12.76 Max: 268.18
Current: 16.45
5.46
268.18
POCF 16.25
SONA's POCF is ranked lower than
70% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. SONA: 16.25 )
Ranked among companies with meaningful POCF only.
SONA' s POCF Range Over the Past 10 Years
Min: 5.24  Med: 11.89 Max: 167.61
Current: 16.25
5.24
167.61
EV-to-EBIT 15.10
SONA's EV-to-EBIT is ranked lower than
59% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. SONA: 15.10 )
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: 15.1
-28.9
235.9
EV-to-EBITDA 14.16
SONA's EV-to-EBITDA is ranked lower than
60% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.34 vs. SONA: 14.16 )
Ranked among companies with meaningful EV-to-EBITDA only.
SONA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -55.8  Med: 12.4 Max: 235.9
Current: 14.16
-55.8
235.9
PEG 1.36
SONA's PEG is ranked lower than
51% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. SONA: 1.36 )
Ranked among companies with meaningful PEG only.
SONA' s PEG Range Over the Past 10 Years
Min: 0.69  Med: 1.02 Max: 1.66
Current: 1.36
0.69
1.66
Shiller P/E 40.45
SONA's Shiller P/E is ranked lower than
87% of the 483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SONA: 40.45 )
Ranked among companies with meaningful Shiller P/E only.
SONA' s Shiller P/E Range Over the Past 10 Years
Min: 30.1  Med: 36.26 Max: 53.36
Current: 40.45
30.1
53.36

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.99
SONA's Dividend Yield is ranked lower than
66% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.65 vs. SONA: 1.99 )
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: 1.99
0.21
2.86
Dividend Payout 0.38
SONA's Dividend Payout is ranked lower than
59% of the 1313 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. SONA: 0.38 )
Ranked among companies with meaningful Dividend Payout only.
SONA' s Dividend Payout Range Over the Past 10 Years
Min: 0.17  Med: 0.45 Max: 0.48
Current: 0.38
0.17
0.48
Dividend Growth (3y) 49.90
SONA's Dividend Growth (3y) is ranked higher than
91% of the 728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 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 Max: 49.9
Current: 49.9
0
49.9
Forward Dividend Yield 1.99
SONA's Forward Dividend Yield is ranked lower than
70% of the 2244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. SONA: 1.99 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.98
SONA's Yield on cost (5-Year) is ranked lower than
73% of the 2639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. SONA: 1.98 )
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: 1.98
0.21
2.86
3-Year Average Share Buyback Ratio -1.80
SONA's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 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: -19.5 Max: 0
Current: -1.8
-93.2
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.74
SONA's Price/Tangible Book is ranked lower than
71% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. SONA: 1.74 )
Ranked among companies with meaningful Price/Tangible Book only.
SONA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.71  Med: 1.07 Max: 1.95
Current: 1.74
0.71
1.95
Price/Projected FCF 0.90
SONA's Price/Projected FCF is ranked lower than
62% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SONA: 0.90 )
Ranked among companies with meaningful Price/Projected FCF only.
SONA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.41  Med: 0.75 Max: 0.88
Current: 0.9
0.41
0.88
Price/Median PS Value 1.25
SONA's Price/Median PS Value is ranked lower than
61% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. SONA: 1.25 )
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: 11.43
Current: 1.25
0.62
11.43
Price/Peter Lynch Fair Value 1.48
SONA's Price/Peter Lynch Fair Value is ranked lower than
62% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SONA: 1.48 )
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: 1.05 Max: 1.88
Current: 1.48
0.7
1.88
Price/Graham Number 1.21
SONA's Price/Graham Number is ranked lower than
68% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. SONA: 1.21 )
Ranked among companies with meaningful Price/Graham Number only.
SONA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.71  Med: 1.02 Max: 2.72
Current: 1.21
0.71
2.72
Earnings Yield (Greenblatt) (%) 6.60
SONA's Earnings Yield (Greenblatt) (%) is ranked higher than
55% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. SONA: 6.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SONA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.4  Med: 6.7 Max: 14.5
Current: 6.6
0.4
14.5
Forward Rate of Return (Yacktman) (%) 18.66
SONA's Forward Rate of Return (Yacktman) (%) is ranked higher than
68% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. SONA: 18.66 )
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: 18.66
5.8
35.4

More Statistics

Revenue (TTM) (Mil) $43.07
EPS (TTM) $ 0.85
Beta0.28
Short Percentage of Float1.17%
52-Week Range $11.60 - 16.78
Shares Outstanding (Mil)12.26

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.88 0.93 1.17
EPS w/o NRI ($) 0.88 0.93 1.17
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.33 0.36 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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