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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 0.39
ANCX's Cash-to-Debt is ranked lower than
79% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. ANCX: 0.39 )
Ranked among companies with meaningful Cash-to-Debt only.
ANCX' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.36 Max: N/A
Current: 0.39
Equity-to-Asset 0.09
ANCX's Equity-to-Asset is ranked lower than
61% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ANCX: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
ANCX' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.11
Current: 0.09
0.06
0.11
Interest Coverage 3.48
ANCX's Interest Coverage is ranked higher than
71% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. ANCX: 3.48 )
Ranked among companies with meaningful Interest Coverage only.
ANCX' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 3.29 Max: 6.57
Current: 3.48
0.21
6.57
Beneish M-Score: -3.28
WACC vs ROIC
5.58%
7.48%
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 % 30.94
ANCX's Operating Margin % is ranked lower than
52% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. ANCX: 30.94 )
Ranked among companies with meaningful Operating Margin % only.
ANCX' s Operating Margin % Range Over the Past 10 Years
Min: 11.06  Med: 30.16 Max: 39.45
Current: 30.94
11.06
39.45
Net Margin % 19.67
ANCX's Net Margin % is ranked lower than
61% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. ANCX: 19.67 )
Ranked among companies with meaningful Net Margin % only.
ANCX' s Net Margin % Range Over the Past 10 Years
Min: 7.74  Med: 19.09 Max: 25.54
Current: 19.67
7.74
25.54
ROE % 12.46
ANCX's ROE % is ranked higher than
74% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. ANCX: 12.46 )
Ranked among companies with meaningful ROE % only.
ANCX' s ROE % Range Over the Past 10 Years
Min: 6.16  Med: 14.57 Max: 20.36
Current: 12.46
6.16
20.36
ROA % 1.11
ANCX's ROA % is ranked higher than
65% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. ANCX: 1.11 )
Ranked among companies with meaningful ROA % only.
ANCX' s ROA % Range Over the Past 10 Years
Min: 0.58  Med: 1.39 Max: 2.12
Current: 1.11
0.58
2.12
3-Year Revenue Growth Rate 6.80
ANCX's 3-Year Revenue Growth Rate is ranked higher than
63% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. ANCX: 6.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ANCX' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -9.4  Med: 0.7 Max: 21
Current: 6.8
-9.4
21
3-Year EBITDA Growth Rate 6.70
ANCX's 3-Year EBITDA Growth Rate is ranked higher than
50% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. ANCX: 6.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ANCX' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -9.2  Med: 9.7 Max: 32.6
Current: 6.7
-9.2
32.6
3-Year EPS without NRI Growth Rate 6.60
ANCX's 3-Year EPS without NRI Growth Rate is ranked lower than
51% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. ANCX: 6.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ANCX' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -10  Med: 8.5 Max: 33.7
Current: 6.6
-10
33.7
GuruFocus has detected 2 Warning Signs with Access National Corp $ANCX.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ANCX's 30-Y Financials

Financials (Next Earnings Date: 2017-07-15 Est.)


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

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6035
Compare:NYSE:FSB, NAS:MBWM, NAS:FRBK, NAS:CACB, NAS:PGC, NAS:CARO, OTCPK:HBIA, OTCPK:FMCB, NAS:NCOM, NAS:FFWM, NAS:HTBK, NAS:ABTX, NAS:PCBK, NYSE:SCNB, NAS:PUB, NAS:ACBI, NAS:HBNC, NAS:THFF, NAS:BHBK, NAS:PEBO » details
Headquarter Location:USA
Access National Corp provides commercial credit, deposit, mortgage and wealth management services to middle market businesses and associated professionals mainly in Greater Washington.

Access National Corp was organized in June 15, 2002 under the laws of Virginia to operate as a bank holding company for Access National Bank or the Bank and Access National Capital Trust II. The Bank provides commercial credit, deposit and mortgage services to middle market businesses and associated professionals, mainly in the greater Washington, D.C. Metropolitan Area. Deposits with the Bank are insured to the maximum amount provided by the Federal Deposit Insurance Corporation. The Bank provides its customers with personal customized service utilizing the latest technology and delivery channels. The Company's income is mainly derived from dividends received from the Bank. These dividends are determined by the Bank's earnings and capital position. Access National Capital Trust II was formed for the purpose of issuing redeemable capital securities. The Bank operates from five banking centers located in Chantilly, Tysons Corner, Reston, Leesburg and Manassas, Virginia. The Bank's lending activities involve commercial real estate loans both owner occupied and non-owner occupied, residential real estate loans, commercial loans, commercial and real estate construction loans, home equity loans, and consumer loans. These lending activities provide access to credit to small to medium sized businesses, professionals and consumers in the greater Washington, D.C. Metropolitan Area. The Bank competes with virtually all banks and financial institutions which offer services in its market area.

Ratios

vs
industry
vs
history
PE Ratio 18.56
ANCX's PE Ratio is ranked lower than
68% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. ANCX: 18.56 )
Ranked among companies with meaningful PE Ratio only.
ANCX' s PE Ratio Range Over the Past 10 Years
Min: 6.29  Med: 12.58 Max: 24.77
Current: 18.56
6.29
24.77
PE Ratio without NRI 18.56
ANCX's PE Ratio without NRI is ranked lower than
68% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. ANCX: 18.56 )
Ranked among companies with meaningful PE Ratio without NRI only.
ANCX' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.29  Med: 12.58 Max: 24.77
Current: 18.56
6.29
24.77
Price-to-Owner-Earnings 12.90
ANCX's Price-to-Owner-Earnings is ranked higher than
56% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. ANCX: 12.90 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ANCX' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.54  Med: 5.99 Max: 77.04
Current: 12.9
1.54
77.04
PB Ratio 2.25
ANCX's PB Ratio is ranked lower than
90% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. ANCX: 2.25 )
Ranked among companies with meaningful PB Ratio only.
ANCX' s PB Ratio Range Over the Past 10 Years
Min: 0.73  Med: 1.52 Max: 2.6
Current: 2.25
0.73
2.6
PS Ratio 3.66
ANCX's PS Ratio is ranked lower than
55% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. ANCX: 3.66 )
Ranked among companies with meaningful PS Ratio only.
ANCX' s PS Ratio Range Over the Past 10 Years
Min: 0.75  Med: 1.81 Max: 4.25
Current: 3.66
0.75
4.25
Price-to-Free-Cash-Flow 8.56
ANCX's Price-to-Free-Cash-Flow is ranked higher than
62% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. ANCX: 8.56 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ANCX' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.24  Med: 5.46 Max: 61.4
Current: 8.56
1.24
61.4
Price-to-Operating-Cash-Flow 8.37
ANCX's Price-to-Operating-Cash-Flow is ranked higher than
60% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. ANCX: 8.37 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ANCX' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.24  Med: 5.37 Max: 55.56
Current: 8.37
1.24
55.56
EV-to-EBIT 25.25
ANCX's EV-to-EBIT is ranked lower than
81% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. ANCX: 25.25 )
Ranked among companies with meaningful EV-to-EBIT only.
ANCX' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.7  Med: 12.1 Max: 33.8
Current: 25.25
3.7
33.8
EV-to-EBITDA 24.68
ANCX's EV-to-EBITDA is ranked lower than
83% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. ANCX: 24.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
ANCX' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.6  Med: 11.75 Max: 29.4
Current: 24.68
3.6
29.4
PEG Ratio 5.78
ANCX's PEG Ratio is ranked lower than
89% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. ANCX: 5.78 )
Ranked among companies with meaningful PEG Ratio only.
ANCX' s PEG Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.95 Max: 37.89
Current: 5.78
0.21
37.89
Shiller PE Ratio 22.12
ANCX's Shiller PE Ratio is ranked lower than
55% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. ANCX: 22.12 )
Ranked among companies with meaningful Shiller PE Ratio only.
ANCX' s Shiller PE Ratio Range Over the Past 10 Years
Min: 13.86  Med: 18.37 Max: 25.66
Current: 22.12
13.86
25.66

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.31
ANCX's Dividend Yield % is ranked lower than
57% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. ANCX: 2.31 )
Ranked among companies with meaningful Dividend Yield % only.
ANCX' s Dividend Yield % Range Over the Past 10 Years
Min: 0.1  Med: 1.29 Max: 3.57
Current: 2.31
0.1
3.57
Dividend Payout Ratio 0.54
ANCX's Dividend Payout Ratio is ranked lower than
79% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. ANCX: 0.54 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ANCX' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04  Med: 0.14 Max: 0.54
Current: 0.54
0.04
0.54
3-Year Dividend Growth Rate 13.50
ANCX's 3-Year Dividend Growth Rate is ranked higher than
70% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. ANCX: 13.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ANCX' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 13.5 Max: 117.2
Current: 13.5
0
117.2
Forward Dividend Yield % 2.33
ANCX's Forward Dividend Yield % is ranked lower than
62% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. ANCX: 2.33 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 10.29
ANCX's 5-Year Yield-on-Cost % is ranked higher than
87% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. ANCX: 10.29 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ANCX' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.44  Med: 5.72 Max: 15.83
Current: 10.29
0.44
15.83
3-Year Average Share Buyback Ratio -0.80
ANCX's 3-Year Average Share Buyback Ratio is ranked higher than
60% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. ANCX: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ANCX' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -53.4  Med: -0.8 Max: 3.7
Current: -0.8
-53.4
3.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.24
ANCX's Price-to-Tangible-Book is ranked lower than
84% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. ANCX: 2.24 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ANCX' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.78  Med: 1.67 Max: 3.64
Current: 2.24
0.78
3.64
Price-to-Intrinsic-Value-Projected-FCF 1.15
ANCX's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
79% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. ANCX: 1.15 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ANCX' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.35  Med: 0.79 Max: 4
Current: 1.15
0.35
4
Price-to-Median-PS-Value 2.02
ANCX's Price-to-Median-PS-Value is ranked lower than
92% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. ANCX: 2.02 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ANCX' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.42  Med: 0.96 Max: 2.35
Current: 2.02
0.42
2.35
Price-to-Graham-Number 1.36
ANCX's Price-to-Graham-Number is ranked lower than
79% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. ANCX: 1.36 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ANCX' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.51  Med: 0.99 Max: 1.91
Current: 1.36
0.51
1.91
Earnings Yield (Greenblatt) % 3.97
ANCX's Earnings Yield (Greenblatt) % is ranked lower than
62% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. ANCX: 3.97 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ANCX' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3  Med: 8.3 Max: 27.2
Current: 3.97
3
27.2
Forward Rate of Return (Yacktman) % 10.44
ANCX's Forward Rate of Return (Yacktman) % is ranked lower than
52% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. ANCX: 10.44 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
ANCX' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -21.7  Med: 20 Max: 41.5
Current: 10.44
-21.7
41.5

More Statistics

Revenue (TTM) (Mil) $75.84
EPS (TTM) $ 1.39
Beta0.79
Short Percentage of Float2.78%
52-Week Range $18.55 - 33.18
Shares Outstanding (Mil)20.31
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More From Other Websites
Access National Bank is Now Open in Arlington Jun 26 2017
ETFs with exposure to Access National Corp. : June 15, 2017 Jun 15 2017
Access National Corp. breached its 50 day moving average in a Bearish Manner : ANCX-US : June 6,... Jun 06 2017
Access National Corp. :ANCX-US: Earnings Analysis: Q1, 2017 By the Numbers : June 5, 2017 Jun 05 2017
Arch A. Moore, III Joins Access National Bank as Executive Vice President & Middleburg Market... May 31 2017
Access National Corp. – Value Analysis (NASDAQ:ANCX) : May 30, 2017 May 30 2017
Access National Corp. breached its 50 day moving average in a Bearish Manner : ANCX-US : May 26,... May 26 2017
Sandy Spring Bank buying WashingtonFirst for $489M May 16 2017
New Strong Sell Stocks for April 28th Apr 28 2017
Greater Washington's biggest bank deal in recent memory is finally complete Apr 24 2017
Access National posts 1Q profit Apr 21 2017
Access National Announces First Quarter 2017 Earnings Apr 21 2017
When your business is serving cannabis companies, just keeping a bank account is tricky Apr 18 2017
Access National Corp. breached its 50 day moving average in a Bearish Manner : ANCX-US : April 14,... Apr 14 2017
Access National Corporation Completes Merger with Middleburg Financial Corporation Apr 03 2017
Access National Corp. : ANCX-US: Dividend Analysis : March 31st, 2017 (record date) : By the numbers... Mar 29 2017
Access National Corporation Declares Quarterly Dividend Mar 20 2017
Shareholders Approve Access National Corporation Merger With Middleburg Financial Corporation Mar 15 2017

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