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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 2.51
AMNB's Cash-to-Debt is ranked lower than
65% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. AMNB: 2.51 )
Ranked among companies with meaningful Cash-to-Debt only.
AMNB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.28  Med: 1.28 Max: No Debt
Current: 2.51
Equity-to-Asset 0.12
AMNB's Equity-to-Asset is ranked higher than
69% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. AMNB: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
AMNB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.12 Max: 0.14
Current: 0.12
0.11
0.14
Interest Coverage 3.67
AMNB's Interest Coverage is ranked higher than
72% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. AMNB: 3.67 )
Ranked among companies with meaningful Interest Coverage only.
AMNB' s Interest Coverage Range Over the Past 10 Years
Min: 0.71  Med: 2.31 Max: 3.69
Current: 3.67
0.71
3.69
Beneish M-Score: -2.37
WACC vs ROIC
6.82%
9.50%
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 : 4/10

vs
industry
vs
history
Operating Margin % 36.10
AMNB's Operating Margin % is ranked higher than
63% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. AMNB: 36.10 )
Ranked among companies with meaningful Operating Margin % only.
AMNB' s Operating Margin % Range Over the Past 10 Years
Min: 27.2  Med: 33.8 Max: 42.89
Current: 36.1
27.2
42.89
Net Margin % 25.42
AMNB's Net Margin % is ranked higher than
59% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. AMNB: 25.42 )
Ranked among companies with meaningful Net Margin % only.
AMNB' s Net Margin % Range Over the Past 10 Years
Min: 19.85  Med: 24.06 Max: 30.08
Current: 25.42
19.85
30.08
ROE % 8.02
AMNB's ROE % is ranked lower than
54% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. AMNB: 8.02 )
Ranked among companies with meaningful ROE % only.
AMNB' s ROE % Range Over the Past 10 Years
Min: 6.53  Med: 8.13 Max: 11.65
Current: 8.02
6.53
11.65
ROA % 0.99
AMNB's ROA % is ranked higher than
60% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. AMNB: 0.99 )
Ranked among companies with meaningful ROA % only.
AMNB' s ROA % Range Over the Past 10 Years
Min: 0.85  Med: 1.04 Max: 1.48
Current: 0.99
0.85
1.48
3-Year Revenue Growth Rate 0.40
AMNB's 3-Year Revenue Growth Rate is ranked lower than
70% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. AMNB: 0.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
AMNB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.8  Med: 6.2 Max: 95.3
Current: 0.4
-2.8
95.3
3-Year EBITDA Growth Rate -1.50
AMNB's 3-Year EBITDA Growth Rate is ranked lower than
74% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. AMNB: -1.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
AMNB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -15.6  Med: 2.6 Max: 22.8
Current: -1.5
-15.6
22.8
3-Year EPS without NRI Growth Rate -1.90
AMNB's 3-Year EPS without NRI Growth Rate is ranked lower than
74% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. AMNB: -1.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
AMNB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -16.2  Med: 5.1 Max: 22.1
Current: -1.9
-16.2
22.1
» AMNB's 30-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


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

» Details

Guru Trades

Q2 2016

AMNB Guru Trades in Q2 2016

Jim Simons 75,100 sh (+9.96%)
» More
Q3 2016

AMNB Guru Trades in Q3 2016

Jim Simons 81,110 sh (+8.00%)
» More
Q4 2016

AMNB Guru Trades in Q4 2016

Jim Simons 96,100 sh (+18.48%)
» More
Q1 2017

AMNB Guru Trades in Q1 2017

Jim Simons 98,300 sh (+2.29%)
» More
» Details

Insider Trades

Latest Guru Trades with AMNB

(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: 6021
Compare:NAS:WNEB, NAS:CCBG, NAS:MCBC, NAS:PFIS, NAS:OLBK, NAS:PCSB, NAS:CNBKA, NAS:FFKT, NAS:ATLO, NAS:MBRG, NAS:GNTY, OTCPK:CATC, NAS:BSRR, NAS:CCNE, NAS:BLMT, NAS:PBNC, NAS:OSBC, NAS:CHFN, NAS:NKSH, NAS:FNLC » details
Headquarter Location:USA
American National Bankshares Inc is a holding company for American National Bank and Trust Company, which provides an array of financial products & services including commercial, mortgage and consumer banking; trust & investment services & insurance.

American National Bankshares Inc is a one-bank holding company organized under the laws of the Commonwealth of Virginia in 1984. The Company operates through its subsidiary American National Bank and Trust Company. The operations of the Company are conducted at twenty-six banking offices and two loan production offices serving Roanoke, Virginia and Raleigh, North Carolina. American National Bank and Trust Company provides a full array of financial products and services, including commercial, mortgage, and consumer banking; trust and investment services; and insurance.The Company competes not only with national, regional, and community banks, but also with many other types of financial institutions, including without limitation, savings banks, finance companies, mutual and money market fund providers, brokerage firms, insurance companies, credit unions, and mortgage companies. The Company is extensively regulated under both federal and state law.

Ratios

vs
industry
vs
history
PE Ratio 19.12
AMNB's PE Ratio is ranked lower than
72% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. AMNB: 19.12 )
Ranked among companies with meaningful PE Ratio only.
AMNB' s PE Ratio Range Over the Past 10 Years
Min: 8.67  Med: 13.24 Max: 22.12
Current: 19.12
8.67
22.12
PE Ratio without NRI 19.12
AMNB's PE Ratio without NRI is ranked lower than
71% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. AMNB: 19.12 )
Ranked among companies with meaningful PE Ratio without NRI only.
AMNB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.67  Med: 13.24 Max: 22.12
Current: 19.12
8.67
22.12
Price-to-Owner-Earnings 17.11
AMNB's Price-to-Owner-Earnings is ranked lower than
69% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. AMNB: 17.11 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
AMNB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.63  Med: 13.22 Max: 56.78
Current: 17.11
6.63
56.78
PB Ratio 1.52
AMNB's PB Ratio is ranked lower than
72% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. AMNB: 1.52 )
Ranked among companies with meaningful PB Ratio only.
AMNB' s PB Ratio Range Over the Past 10 Years
Min: 0.86  Med: 1.12 Max: 1.65
Current: 1.52
0.86
1.65
PS Ratio 4.85
AMNB's PS Ratio is ranked lower than
77% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. AMNB: 4.85 )
Ranked among companies with meaningful PS Ratio only.
AMNB' s PS Ratio Range Over the Past 10 Years
Min: 2.3  Med: 3.36 Max: 5.26
Current: 4.85
2.3
5.26
Price-to-Free-Cash-Flow 20.00
AMNB's Price-to-Free-Cash-Flow is ranked lower than
86% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. AMNB: 20.00 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
AMNB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.84  Med: 12.25 Max: 56.82
Current: 20
5.84
56.82
Price-to-Operating-Cash-Flow 15.78
AMNB's Price-to-Operating-Cash-Flow is ranked lower than
84% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. AMNB: 15.78 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
AMNB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.7  Med: 11.03 Max: 47.52
Current: 15.78
5.7
47.52
EV-to-EBIT 10.98
AMNB's EV-to-EBIT is ranked lower than
54% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. AMNB: 10.98 )
Ranked among companies with meaningful EV-to-EBIT only.
AMNB' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.8  Med: 8.9 Max: 22.3
Current: 10.98
3.8
22.3
EV-to-EBITDA 9.82
AMNB's EV-to-EBITDA is ranked lower than
54% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. AMNB: 9.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
AMNB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.2  Med: 7.9 Max: 19
Current: 9.82
3.2
19
Shiller PE Ratio 20.29
AMNB's Shiller PE Ratio is ranked higher than
50% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. AMNB: 20.29 )
Ranked among companies with meaningful Shiller PE Ratio only.
AMNB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.84  Med: 12.42 Max: 21.98
Current: 20.29
7.84
21.98

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.66
AMNB's Dividend Yield % is ranked lower than
53% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. AMNB: 2.66 )
Ranked among companies with meaningful Dividend Yield % only.
AMNB' s Dividend Yield % Range Over the Past 10 Years
Min: 2.47  Med: 4.13 Max: 6.34
Current: 2.66
2.47
6.34
Dividend Payout Ratio 0.51
AMNB's Dividend Payout Ratio is ranked lower than
76% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. AMNB: 0.51 )
Ranked among companies with meaningful Dividend Payout Ratio only.
AMNB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.45  Med: 0.55 Max: 0.82
Current: 0.51
0.45
0.82
3-Year Dividend Growth Rate 1.40
AMNB's 3-Year Dividend Growth Rate is ranked lower than
74% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. AMNB: 1.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
AMNB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.8 Max: 15
Current: 1.4
0
15
Forward Dividend Yield % 2.67
AMNB's Forward Dividend Yield % is ranked lower than
57% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. AMNB: 2.67 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.75
AMNB's 5-Year Yield-on-Cost % is ranked lower than
60% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. AMNB: 2.75 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
AMNB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.56  Med: 4.28 Max: 6.57
Current: 2.75
2.56
6.57
3-Year Average Share Buyback Ratio -3.00
AMNB's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. AMNB: -3.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AMNB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -8.8  Med: -0.3 Max: 2.3
Current: -3
-8.8
2.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.96
AMNB's Price-to-Tangible-Book is ranked lower than
79% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. AMNB: 1.96 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AMNB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.1  Med: 1.65 Max: 2.46
Current: 1.96
1.1
2.46
Price-to-Intrinsic-Value-Projected-FCF 0.96
AMNB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
72% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. AMNB: 0.96 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
AMNB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.55  Med: 0.76 Max: 1.27
Current: 0.96
0.55
1.27
Price-to-Median-PS-Value 1.45
AMNB's Price-to-Median-PS-Value is ranked lower than
80% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. AMNB: 1.45 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
AMNB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.77  Med: 1.14 Max: 2.61
Current: 1.45
0.77
2.61
Price-to-Graham-Number 1.29
AMNB's Price-to-Graham-Number is ranked lower than
77% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. AMNB: 1.29 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AMNB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.62  Med: 0.99 Max: 1.39
Current: 1.29
0.62
1.39
Earnings Yield (Greenblatt) % 9.14
AMNB's Earnings Yield (Greenblatt) % is ranked higher than
58% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. AMNB: 9.14 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AMNB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.5  Med: 11.3 Max: 26.5
Current: 9.14
4.5
26.5
Forward Rate of Return (Yacktman) % 2.77
AMNB's Forward Rate of Return (Yacktman) % is ranked lower than
77% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. AMNB: 2.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
AMNB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -3.7  Med: 10.15 Max: 26.9
Current: 2.77
-3.7
26.9

More Statistics

Revenue (TTM) (Mil) $63.88
EPS (TTM) $ 1.88
Beta0.70
Short Percentage of Float1.75%
52-Week Range $24.36 - 42.50
Shares Outstanding (Mil)8.64
» More Articles for AMNB

Headlines

Articles On GuruFocus.com
American National Executive Vice President to Retire Mar 04 2016 
American National Bankshares Inc. Announces First Quarter 2016 Dividend Feb 17 2016 
American National Announces New Chief Accounting Officer Jan 13 2016 
American National Bankshares Inc. Announces Third Quarter 2015 Cash Dividend Jul 22 2015 
American National Bankshares Inc. Announces Appointment of Plexus Capital CFO to Board of Directors Jul 22 2015 
American National Completes Merger With MainStreet BankShares Inc. Jan 02 2015 
American National Announces Executive Changes Dec 19 2014 
76 Monster Yield Stocks with Ex-Dividend Date September 2012 Aug 31 2012 

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