| Company Name: | American National Bankshares, Inc. | | Ticker Symbol: | AMNB | | | WWW Address: | www.amnb.com |
| CEO: | Jeffrey V. Haley | | No. of Employees: | 307 |
| Common Issue Type: | CS | | Business Description: | 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.
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| | | Industry Information: | BANKING - Regional - Mid-Atlantic Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 23.08 |  0.09 | 19.78 | 27.28 | 23.0 | 22.85 | 22.22 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 181.5 | 7.9 | 0.62 | 2.04 | 0.92 | 11.2 | 4.0 | 23.99 - 18.50 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 22.73 | $ | | PE Ratio - LTM | 11.2 | |
| Market Capitalisation | 181.5 | mil |
| Latest Shares Outstanding | 7.9 | mil |
| Earnings pS (EPS) | 2.04 | $ |
| Dividend pS (DPS) | 0.92 | ¢ |
| Dividend Yield | 4.0 | % |
| Dividend Payout Ratio | 45 | % |
| Revenue per Employee | 225,459 | $ |
| Effective Tax Rate | 28.2 | % |
| Float | 7.5 | mil |
| Float as % of Shares Outstanding | 95.4 | % |
| 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 | 48.0 | % |
| Pre-Tax Profit Margin | 33.5 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 1.6 | % |
| Return on Equity (ROE) | 12.2 | % |
| Return on Capital Invested (ROCI) | 10.0 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 7.8 | |
| Interest Cover | 4.5 | |
| Total Debt/Equity (Gearing Ratio) | 0.23 | |
| LT Debt/Total Capital | 18.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 20.99 | $ |
| Tangible Book-Value pS | 15.48 | $ |
| Cash Flow pS | 2.56 | $ |
| Free Cash Flow pS | 1.86 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.08 | |
| Price/Tangible Book Ratio | 1.47 | |
| Price/Cash Flow | 8.9 | |
| Price/Free Cash Flow | 12.2 | |
| P/E as % of Industry Group | 371.0 | % |
| P/E as % of Sector Segment | 47.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 05/20/2013 |
| Dividend Ex-Date | 06/04/2013 |
| Dividend Record Date | 06/06/2013 |
| Dividend Pay Date | 06/20/2013 |
| Dividend Amount | 230 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.92 |
| Current Dividend Yield | 4.0 |
| 5-Y Average Dividend Yield | 4.6 |
| Payout Ratio | 45.0 |
| 5-Y Average Payout Ratio | 64.0 |
|  | | Share price performance previous 3 years |
|
 | | | 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 | - | - | - | 0.7 | 101 | 155 | 384 |
| 4 Weeks | 22.99 | 20.80 | 21.46 | 5.9 | 108 | 134 | 2,413 |
| 13 Weeks | 22.99 | 19.60 | 21.18 | 7.3 | 102 | 135 | 8,394 |
| 26 Weeks | 22.99 | 19.30 | 19.73 | 15.2 | 100 | 127 | 15,611 |
| 52 Weeks | 23.99 | 18.50 | 22.53 | 0.9 | 83 | 179 | 44,419 |
| YTD | 22.99 | 19.57 | - | 12.6 | 98 | 124 | 13,965 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 22.64 | 22.49 | 21.33 | 20.74 | 21.08 | 0.62 | 0.73 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 5.08 | 29.6 | 15.22 |
| Income | 6.04 | 24.1 | 14.81 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -12.9 | -12.9 | 18.5 |
| Earnings % | 0.0 | 0.0 | 0.0 |
| EPS % | 0.0 | 0.0 | 24.4 |
| EPS $ | 0.00 | 0.00 | 0.40 |
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| |
| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 12.57 |
| Free Cash Flow Margin 5YEAR AVG | 7.52 |
| Cash-Flow pS | 1.86 |
| Free Cash-Flow pS | 0.93 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 7.86 |
| Debt Ratio | 87.28 |
| Total Debt/Equity (Gearing Ratio) | 0.23 |
| LT Debt/Equity | 0.23 |
| LT Debt/Capital Invested | 18.64 |
| LT Debt/Total Liabilities | 3.34 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.40 |
| Tobin's Q Ratio | 0.14 |
| Current P/E Ratio - LTM | 11.20 |
| Enterprise Value (EV)/EBITDA | 0.05 |
| Enterprise Value (EV)/Free Cash Flow | -15.00 |
| Dividend Yield | 4.0 |
| Price/Tangible Book Ratio - LTM | 1.47 |
| Price/Book Ratio - LTM | 1.08 |
| Price/Cash Flow Ratio | 8.9 |
| Price/Free Cash Flow Ratio - LTM | 12.2 |
| P/E Ratio (1 month ago) - LTM | 10.4 |
| P/E Ratio (26 weeks ago) - LTM | 9.2 |
| P/E Ratio (52 weeks ago) - LTM | 12.3 |
| 5-Y High P/E Ratio | 21.0 |
| 5-Y Low P/E Ratio | 9.1 |
| 5-Y Average P/E Ratio | 14.4 |
| Current P/E Ratio as % of 5-Y Average P/E | 78 |
| P/E as % of Industry Group | 371.0 |
| P/E as % of Sector Segment | 47.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 10.2 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 15.48 |
| Book Value pS - LTM | 20.99 |
| Capital Invested pS | 25.52 |
| Cash Flow pS - LTM | 2.56 |
| Free Cash Flow pS - LTM | 1.86 |
| Earnings pS (EPS) | 2.04 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 9.80 |
| Return on Equity (ROE) - 5YEAR AVRG. | 3.8 |
| Return on Capital Invested (ROCI) | 7.98 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 3.3 |
| Return on Assets (ROA) | 1.25 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.5 |
| EBIT Margin - LTM | 45.0 |
| EBITDA Margin - LTM | 48.0 |
| Pre-Tax Profit Margin | 44.94 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 41.50 |
| Net Profit Margin | 32.23 |
| Net Profit Margin - 5YEAR AVRG. | 29.18 |
| Effective Tax Rate | 28.20 |
| Effective Tax Rate - 5YEAR AVRG. | 27.71 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 217,651 |
| Net Income per Employee - LTM | 65,658 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,952.52 |
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