Switch to:

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 0.97
SONA's Cash to Debt is ranked higher than
74% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SONA: 0.97 )
SONA' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.97

Equity to Asset 0.14
SONA's Equity to Asset is ranked higher than
92% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SONA: 0.14 )
SONA' s 10-Year Equity to Asset Range
Min: 0.14   Max: 0.23
Current: 0.14

0.14
0.23
Interest Coverage 1.99
SONA's Interest Coverage is ranked higher than
76% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. SONA: 1.99 )
SONA' s 10-Year Interest Coverage Range
Min: 0.13   Max: 1.99
Current: 1.99

0.13
1.99
F-Score: 4
Z-Score: 0.25
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 : 8/10

vs
industry
vs
history
Operating margin (%) 30.20
SONA's Operating margin (%) is ranked higher than
77% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. SONA: 30.20 )
SONA' s 10-Year Operating margin (%) Range
Min: -5933.33   Max: 28.86
Current: 30.2

-5933.33
28.86
Net-margin (%) 20.11
SONA's Net-margin (%) is ranked higher than
73% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. SONA: 20.11 )
SONA' s 10-Year Net-margin (%) Range
Min: -4423.53   Max: 19.43
Current: 20.11

-4423.53
19.43
ROE (%) 6.17
SONA's ROE (%) is ranked higher than
67% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. SONA: 6.17 )
SONA' s 10-Year ROE (%) Range
Min: -11.13   Max: 6.5
Current: 6.17

-11.13
6.5
ROA (%) 0.91
SONA's ROA (%) is ranked higher than
78% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SONA: 0.91 )
SONA' s 10-Year ROA (%) Range
Min: -2.04   Max: 0.98
Current: 0.91

-2.04
0.98
ROC (Joel Greenblatt) (%) 157.85
SONA's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. SONA: 157.85 )
SONA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -215.65   Max: 150.43
Current: 157.85

-215.65
150.43
Revenue Growth (%) 3.30
SONA's Revenue Growth (%) is ranked higher than
82% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SONA: 3.30 )
SONA' s 10-Year Revenue Growth (%) Range
Min: -18.6   Max: 465.7
Current: 3.3

-18.6
465.7
EBITDA Growth (%) 11.50
SONA's EBITDA Growth (%) is ranked higher than
80% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SONA: 11.50 )
SONA' s 10-Year EBITDA Growth (%) Range
Min: -14.4   Max: 18.6
Current: 11.5

-14.4
18.6
EPS Growth (%) 15.60
SONA's EPS Growth (%) is ranked higher than
82% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. SONA: 15.60 )
SONA' s 10-Year EPS Growth (%) Range
Min: -14.5   Max: 28.3
Current: 15.6

-14.5
28.3
» SONA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

SONA Guru Trades in Q3 2013

Chuck Royce 233,771 sh (+7.5%)
» More
Q4 2013

SONA Guru Trades in Q4 2013

Chuck Royce 288,645 sh (+23.47%)
» More
Q1 2014

SONA Guru Trades in Q1 2014

Chuck Royce 288,645 sh (unchged)
» More
Q2 2014

SONA Guru Trades in Q2 2014

Chuck Royce 298,645 sh (+3.46%)
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.80
SONA's P/E(ttm) is ranked higher than
64% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. SONA: 20.80 )
SONA' s 10-Year P/E(ttm) Range
Min: 13.8   Max: 163.46
Current: 20.8

13.8
163.46
P/B 1.24
SONA's P/B is ranked higher than
69% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SONA: 1.24 )
SONA' s 10-Year P/B Range
Min: 0.42   Max: 1.46
Current: 1.24

0.42
1.46
P/S 4.12
SONA's P/S is ranked higher than
62% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SONA: 4.12 )
SONA' s 10-Year P/S Range
Min: 2.17   Max: 19.93
Current: 4.12

2.17
19.93
PFCF 24.23
SONA's PFCF is ranked higher than
72% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. SONA: 24.23 )
SONA' s 10-Year PFCF Range
Min: 5.51   Max: 148.3
Current: 24.23

5.51
148.3
EV-to-EBIT 13.68
SONA's EV-to-EBIT is ranked higher than
78% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. SONA: 13.68 )
SONA' s 10-Year EV-to-EBIT Range
Min: 8.7   Max: 145.1
Current: 13.68

8.7
145.1
Shiller P/E 38.66
SONA's Shiller P/E is ranked higher than
74% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.31 vs. SONA: 38.66 )
SONA' s 10-Year Shiller P/E Range
Min: 30.91   Max: 50.71
Current: 38.66

30.91
50.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.50
SONA's Dividend Yield is ranked higher than
54% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.39 vs. SONA: 2.50 )
SONA' s 10-Year Dividend Yield Range
Min: 0.21   Max: 2.75
Current: 2.5

0.21
2.75
Dividend Payout 0.49
SONA's Dividend Payout is ranked higher than
63% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. SONA: 0.49 )
SONA' s 10-Year Dividend Payout Range
Min: 0.08   Max: 0.58
Current: 0.49

0.08
0.58
Yield on cost (5-Year) 2.50
SONA's Yield on cost (5-Year) is ranked lower than
51% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. SONA: 2.50 )
SONA' s 10-Year Yield on cost (5-Year) Range
Min: 0.21   Max: 2.75
Current: 2.5

0.21
2.75
Share Buyback Rate -0.10
SONA's Share Buyback Rate is ranked higher than
88% of the 1304 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SONA: -0.10 )
SONA' s 10-Year Share Buyback Rate Range
Min: -0.1   Max: -93.9
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
SONA's Price/Tangible Book is ranked higher than
70% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. SONA: 1.35 )
SONA' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 1.82
Current: 1.35

0.71
1.82
Price/DCF (Projected) 0.90
SONA's Price/DCF (Projected) is ranked higher than
74% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SONA: 0.90 )
SONA' s 10-Year Price/DCF (Projected) Range
Min: 0.67   Max: 1.77
Current: 0.9

0.67
1.77
Price/Median PS Value 1.13
SONA's Price/Median PS Value is ranked higher than
73% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. SONA: 1.13 )
SONA' s 10-Year Price/Median PS Value Range
Min: 0.63   Max: 5.29
Current: 1.13

0.63
5.29
Price/Graham Number 1.12
SONA's Price/Graham Number is ranked higher than
70% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SONA: 1.12 )
SONA' s 10-Year Price/Graham Number Range
Min: 0.71   Max: 2.71
Current: 1.12

0.71
2.71
Earnings Yield (Greenblatt) 7.30
SONA's Earnings Yield (Greenblatt) is ranked higher than
72% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SONA: 7.30 )
SONA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 11.5
Current: 7.3

0.7
11.5
Forward Rate of Return (Yacktman) 4.82
SONA's Forward Rate of Return (Yacktman) is ranked higher than
59% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. SONA: 4.82 )
SONA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -27.2   Max: 18.3
Current: 4.82

-27.2
18.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for SONA

Headlines

Articles On GuruFocus.com
comment on SONA May 12 2013 
comment on SONA May 12 2013 
comment on SONA May 12 2013 
comment on SONA May 12 2013 
comment on SONA May 12 2013 
comment on SONA May 12 2013 
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 

More From Other Websites
Nasdaq stocks posting largest volume increases Sep 29 2014
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Financials Aug 19 2014
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 10-Q, Quarterly Report Aug 06 2014
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 8-K, Completion of Acquisition or... Aug 05 2014
Southern National Bancorp of Virginia Inc. Reports That the PGFSB Merger is Completed Aug 01 2014
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 8-K, Results of Operations and Financial... Jul 18 2014
Southern National Bancorp of Virginia Inc. Reports Earnings of $1.8 Million for the Second Quarter... Jul 17 2014
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 10-Q, Quarterly Report May 09 2014
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 8-K, Submission of Matters to a Vote of... Apr 25 2014
Sonabank, Southern Trust Mortgage Management and EVB Enter Into Agreement to Purchase Middleburg... Mar 26 2014
Southern National, Eastern Virginia in deal for stake in STM Mar 26 2014
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 10-K, Annual Report Mar 12 2014
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 8-K, Results of Operations and Financial... Jan 24 2014
Southern National Bancorp of Virginia Inc. Reports Earnings of $6.3 Million for 2013 Compared to... Jan 23 2014
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 8-K, Entry into a Material Definitive... Jan 13 2014
Southern National Bancorp of Virginia Inc. Announces Signing of a Definitive Agreement to Acquire... Jan 08 2014
Southern National Bancorp acquires Prince George's Federal Savings Bank Jan 08 2014
Crude Drop Can't Spur Stocks Nov 25 2013
SOUTHERN NATIONAL BANCORP OF VIRGINIA INC Files SEC form 10-Q, Quarterly Report Nov 12 2013
Southern National Bancorp of Virginia Inc. Announces New Partnership With Direct Connect to Provide... Nov 05 2013

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK