| Company Name: | Alabama National Bancorporation Delaware | | Ticker Symbol: | ALAB | | | WWW Address: | www.alabamanational.com |
| CEO: | John H. Holcomb, III | | No. of Employees: | 1,789 |
| Common Issue Type: | CS | | Business Description: | The Company provides a full range of banking and bank-related services to individual and corporate customers through its twelve subsidiary banks located in Alabama, Georgia, and Florida.
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| | | Industry Information: | BANKING - Regional - Southeast Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | |  | | | | 79.95 | 79.50 | |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 0.0 | 20.4 | 1.03 | 4.17 | 1.46 | 19.7 | 2.1 | 80.22 - 49.31 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 79.65 | $ | | PE Ratio - LTM | 19.7 | |
| Market Capitalisation | 0.0 | mil |
| Latest Shares Outstanding | 20.4 | mil |
| Earnings pS (EPS) | 4.17 | $ |
| Dividend pS (DPS) | 1.46 | ¢ |
| Dividend Yield | 2.1 | % |
| Dividend Payout Ratio | 35 | % |
| Revenue per Employee | 286,169 | $ |
| Effective Tax Rate | 34.5 | % |
| Float | 16.7 | mil |
| Float as % of Shares Outstanding | 82.0 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 64.4 | % |
| Pre-Tax Profit Margin | 21.0 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 1.1 | % |
| Return on Equity (ROE) | 9.6 | % |
| Return on Capital Invested (ROCI) | 6.3 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 9.0 | |
| Interest Cover | 1.5 | |
| Total Debt/Equity (Gearing Ratio) | 0.69 | |
| LT Debt/Total Capital | 34.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 43.17 | $ |
| Tangible Book-Value pS | 27.28 | $ |
| Cash Flow pS | 4.13 | $ |
| Free Cash Flow pS | 2.38 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.85 | |
| Price/Tangible Book Ratio | 2.92 | |
| Price/Cash Flow | 19.3 | |
| Price/Free Cash Flow | 33.5 | |
| P/E as % of Industry Group | 184.0 | % |
| P/E as % of Sector Segment | 207.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | Cash Payment |
| Dividend Rate | 1.64 |
| Current Dividend Yield | 2.1 |
| 5-Y Average Dividend Yield | 2.2 |
| Payout Ratio | 35.0 |
| 5-Y Average Payout Ratio | 37.0 |
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|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.0 | 99 | 974 | |
| 4 Weeks | 80.22 | 77.56 | 78.41 | 1.6 | 103 | 1,349 | 20,231 |
| 13 Weeks | 80.22 | 70.66 | 77.29 | 3.1 | 111 | 1,550 | 88,337 |
| 26 Weeks | 80.22 | 52.54 | 52.76 | 51.0 | 162 | 2,005 | 240,648 |
| 52 Weeks | 80.22 | 49.31 | 71.00 | 12.2 | 113 | 1,655 | 408,878 |
| YTD | 80.22 | 70.66 | - | 2.4 | 110 | 1,805 | 66,779 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 79.70 | 79.63 | 77.63 | 73.42 | 70.47 | 1.03 | 1.21 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 20.28 | 95.0 | 24.76 |
| Income | 8.34 | 94.2 | 6.61 |
| Dividend | 8.06 | 68.0 | 13.55 |
| Capital Spending | 47.94 | NA | 30.37 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 8.56 | NA | 6.46 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 23.6 | 16.6 | 34.4 |
| Earnings % | 7.9 | -1.6 | 19.7 |
| EPS % | -4.2 | -10.4 | 9.2 |
| EPS $ | -0.13 | -0.11 | 0.35 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | -0.25 |
| Free Cash Flow Margin 5YEAR AVG | 15.06 |
| Cash-Flow pS | 2.57 |
| Free Cash-Flow pS | -0.05 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 8.99 |
| Debt Ratio | 88.87 |
| Total Debt/Equity (Gearing Ratio) | 0.66 |
| LT Debt/Equity | 0.47 |
| LT Debt/Capital Invested | 32.04 |
| LT Debt/Total Liabilities | 5.90 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 2.41 |
| Tobin's Q Ratio | 0.24 |
| Current P/E Ratio - LTM | 19.70 |
| Enterprise Value (EV)/EBITDA | 0.04 |
| Enterprise Value (EV)/Free Cash Flow | 4.53 |
| Dividend Yield | 2.1 |
| Price/Tangible Book Ratio - LTM | 2.92 |
| Price/Book Ratio - LTM | 1.85 |
| Price/Cash Flow Ratio | 19.3 |
| Price/Free Cash Flow Ratio - LTM | 33.5 |
| P/E Ratio (1 month ago) - LTM | 19.2 |
| P/E Ratio (26 weeks ago) - LTM | 12.8 |
| P/E Ratio (52 weeks ago) - LTM | 17.2 |
| 5-Y High P/E Ratio | 19.4 |
| 5-Y Low P/E Ratio | 11.2 |
| 5-Y Average P/E Ratio | 16.9 |
| Current P/E Ratio as % of 5-Y Average P/E | 117 |
| P/E as % of Industry Group | 184.0 |
| P/E as % of Sector Segment | 207.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 20.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 27.28 |
| Book Value pS - LTM | 43.17 |
| Capital Invested pS | 61.55 |
| Cash Flow pS - LTM | 4.13 |
| Free Cash Flow pS - LTM | 2.38 |
| Earnings pS (EPS) | 4.17 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 9.36 |
| Return on Equity (ROE) - 5YEAR AVRG. | 11.3 |
| Return on Capital Invested (ROCI) | 6.36 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 6.6 |
| Return on Assets (ROA) | 1.04 |
| Return on Assets (ROA) - 5YEAR AVRG. | 1.1 |
| EBIT Margin - LTM | 64.4 |
| EBITDA Margin - LTM | 64.4 |
| Pre-Tax Profit Margin | 52.03 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 50.17 |
| Net Profit Margin | 34.11 |
| Net Profit Margin - 5YEAR AVRG. | 33.30 |
| Effective Tax Rate | 34.48 |
| Effective Tax Rate - 5YEAR AVRG. | 33.56 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 334,404 |
| Net Income per Employee - LTM | 47,138 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,119.64 |
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