AMNB:NSD-American National Bankshares Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 31.70

Change

+0.20 (+0.63)%

Market Cap

USD 0.35B

Volume

0.01M

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

American National Bankshares Inc. operates as the bank holding company for American National Bank and Trust Company that provides financial products and services in Virginia and North Carolina. The company operates through two segments, Community Banking, and Trust and Investment Services. It accepts deposit products, including checking, money market, savings, and consumer and commercial time deposits, as well as certificates of deposit. The company's loan products comprise commercial and residential real estate loans, commercial loans to small and medium-sized businesses, construction and land development loans, home equity loans, mortgage loans, and consumer loans. It also offers trust and investment services, such as estate planning, trust account administration, and retail brokerage services; online and telephone banking services; insurance services; and investment management services, including purchasing equity, fixed income, and mutual fund investments for customer accounts, as well as operates 37 automated teller machines. As of December 31, 2020, it operated 26 banking offices; and one loan production offices in Roanoke, Virginia. American National Bankshares Inc. was founded in 1909 and is headquartered in Danville, Virginia.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-07-29 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+5.01 (+0.89%)

USD31.70B 16.04 N/A
HBANN Huntington Bancshares Incorpor..

+0.06 (+0.23%)

USD28.06B 22.54 N/A
FITB Fifth Third Bancorp

+0.19 (+0.52%)

USD25.31B 10.49 N/A
HBAN Huntington Bancshares Incorpor..

+0.37 (+2.64%)

USD20.63B 12.23 N/A
FITBI Fifth Third Bancorp

+0.03 (+0.10%)

USD20.01B 8.34 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation, National..

+0.48 (+0.92%)

USD8.47B 7.84 N/A
CBSH Commerce Bancshares, Inc

-0.35 (-0.49%)

USD8.45B 15.50 N/A
PBCTP People's United Financial, Inc

+0.04 (+0.14%)

USD7.01B 40.14 N/A
FFIN First Financial Bankshares, In..

+0.63 (+1.29%)

USD6.94B 31.05 N/A

ETFs Containing AMNB

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 20.95% 52% F 70% C-
Dividend Return 2.06% 67% D+ 69% D+
Total Return 23.01% 52% F 71% C-
Trailing 12 Months  
Capital Gain 40.27% 33% F 58% F
Dividend Return 4.78% 70% C- 73% C
Total Return 45.04% 35% F 60% D-
Trailing 5 Years  
Capital Gain 20.72% 30% F 40% F
Dividend Return 19.46% 77% C+ 78% C+
Total Return 40.18% 36% F 44% F
Average Annual (5 Year Horizon)  
Capital Gain -0.70% 25% F 23% F
Dividend Return 3.00% 72% C- 72% C-
Total Return 2.30% 30% F 28% F
Risk Return Profile  
Volatility (Standard Deviation) 25.89% 59% F 67% D+
Risk Adjusted Return 8.89% 31% F 27% F
Market Capitalization 0.35B 47% F 44% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 9.11 78% C+ 74% C
Price/Book Ratio 0.94 87% B+ 91% A-
Price / Cash Flow Ratio 14.58 37% F 29% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 11.28% 57% F 75% C
Return on Invested Capital 8.24% 65% D 75% C
Return on Assets 1.26% 61% D- 58% F
Debt to Equity Ratio 10.54% 78% C+ 71% C-
Technical Ratios  
Short Ratio 3.71 29% F 35% F
Short Percent 0.83% 62% D- 81% B-
Beta 1.14 29% F 50% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.