| Company Name: | Access National Corporation | | Ticker Symbol: | ANCX | | | WWW Address: | www.accessnationalbank.com |
| CEO: | Michael W. Clarke | | No. of Employees: | 305 |
| Common Issue Type: | CS | | Business Description: | Access National Corporation provides commercial credit, deposit and mortgage services to middle market businesses and associated professionals by utilizing the latest technology and delivery channels.
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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 | | 12.86 |  0.01 | 11.88 | 13.0 | 12.91 | 13.00 | 12.82 | 13777 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 132.5 | 10.3 | 0.51 | 1.71 | 0.95 | 7.4 | 3.1 | 18.07 - 10.90 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 12.86 | $ | | PE Ratio - LTM | 7.4 | |
| Market Capitalisation | 132.5 | mil |
| Latest Shares Outstanding | 10.3 | mil |
| Earnings pS (EPS) | 1.71 | $ |
| Dividend pS (DPS) | 0.95 | ¢ |
| Dividend Yield | 3.1 | % |
| Dividend Payout Ratio | 56 | % |
| Revenue per Employee | 300,033 | $ |
| Effective Tax Rate | 37.7 | % |
| Float | 7.3 | mil |
| Float as % of Shares Outstanding | 70.9 | % |
| 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 | 37.5 | % |
| Pre-Tax Profit Margin | 32.2 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 2.4 | % |
| Return on Equity (ROE) | 22.8 | % |
| Return on Capital Invested (ROCI) | 21.4 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 9.3 | |
| Interest Cover | 7.8 | |
| Total Debt/Equity (Gearing Ratio) | 0.41 | |
| LT Debt/Total Capital | 6.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 9.12 | $ |
| Tangible Book-Value pS | 9.12 | $ |
| Cash Flow pS | 2.08 | $ |
| Free Cash Flow pS | 1.32 | $ |
 |
| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.41 | |
| Price/Tangible Book Ratio | 1.41 | |
| Price/Cash Flow | 6.2 | |
| Price/Free Cash Flow | 9.8 | |
| P/E as % of Industry Group | 240.0 | % |
| P/E as % of Sector Segment | 31.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 04/21/2013 |
| Dividend Ex-Date | 05/05/2013 |
| Dividend Record Date | 05/07/2013 |
| Dividend Pay Date | 05/23/2013 |
| Dividend Amount | 100 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.40 |
| Current Dividend Yield | 3.1 |
| 5-Y Average Dividend Yield | 1.3 |
| Payout Ratio | 56.0 |
| 5-Y Average Payout Ratio | 17.0 |
|  | | 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 | - | - | - | 3.0 | 101 | 156 | 609 |
| 4 Weeks | 13.29 | 10.90 | 11.50 | 11.8 | 104 | 317 | 6,335 |
| 13 Weeks | 18.07 | 10.90 | 15.78 | -18.5 | 74 | 414 | 26,079 |
| 26 Weeks | 18.07 | 10.90 | 11.91 | 8.0 | 88 | 341 | 42,235 |
| 52 Weeks | 18.07 | 10.90 | 12.48 | 3.0 | 80 | 325 | 81,003 |
| YTD | 18.07 | 10.90 | - | -1.1 | 85 | 358 | 34,042 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 12.80 | 12.82 | 13.68 | 14.08 | 13.96 | 0.51 | 0.42 |
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| |
| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 2.99 | 15.6 | 4.37 |
| Income | 32.33 | 89.2 | 31.52 |
| Dividend | 82.53 | 70.4 | 186.84 |
| 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 % | -6.8 | -6.8 | 27.8 |
| Earnings % | 0.0 | 0.0 | 0.0 |
| EPS % | 6.1 | 6.1 | 55.5 |
| EPS $ | 0.02 | 0.02 | 0.61 |
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| |
| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | -19.85 |
| Free Cash Flow Margin 5YEAR AVG | -10.77 |
| Cash-Flow pS | 0.28 |
| Free Cash-Flow pS | -0.71 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 9.47 |
| Debt Ratio | 89.44 |
| Total Debt/Equity (Gearing Ratio) | 0.98 |
| LT Debt/Equity | 0.07 |
| LT Debt/Capital Invested | 6.35 |
| LT Debt/Total Liabilities | 0.80 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.64 |
| Tobin's Q Ratio | 0.16 |
| Current P/E Ratio - LTM | 7.40 |
| Enterprise Value (EV)/EBITDA | 0.06 |
| Enterprise Value (EV)/Free Cash Flow | 3.29 |
| Dividend Yield | 3.1 |
| Price/Tangible Book Ratio - LTM | 1.41 |
| Price/Book Ratio - LTM | 1.41 |
| Price/Cash Flow Ratio | 6.2 |
| Price/Free Cash Flow Ratio - LTM | 9.8 |
| P/E Ratio (1 month ago) - LTM | 6.8 |
| P/E Ratio (26 weeks ago) - LTM | 8.3 |
| P/E Ratio (52 weeks ago) - LTM | 10.3 |
| 5-Y High P/E Ratio | 18.2 |
| 5-Y Low P/E Ratio | 4.1 |
| 5-Y Average P/E Ratio | 8.3 |
| Current P/E Ratio as % of 5-Y Average P/E | 90 |
| P/E as % of Industry Group | 240.0 |
| P/E as % of Sector Segment | 31.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 7.4 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 9.12 |
| Book Value pS - LTM | 9.12 |
| Capital Invested pS | 9.46 |
| Cash Flow pS - LTM | 2.08 |
| Free Cash Flow pS - LTM | 1.32 |
| Earnings pS (EPS) | 1.71 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 19.42 |
| Return on Equity (ROE) - 5YEAR AVRG. | 6.0 |
| Return on Capital Invested (ROCI) | 18.19 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 4.2 |
| Return on Assets (ROA) | 2.05 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.6 |
| EBIT Margin - LTM | 37.5 |
| EBITDA Margin - LTM | 37.5 |
| Pre-Tax Profit Margin | 90.11 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 60.49 |
| Net Profit Margin | 56.17 |
| Net Profit Margin - 5YEAR AVRG. | 38.08 |
| Effective Tax Rate | 37.66 |
| Effective Tax Rate - 5YEAR AVRG. | 36.94 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 295,272 |
| Net Income per Employee - LTM | 70,187 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,021.70 |
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