| Company Name: | Access National Corporation | | Ticker Symbol: | ANCX | | | WWW Address: | www.accessnationalbank.com | | CEO: | Michael W. Clarke | | No. of Employees: | 285 | | Common Issue Type: | CS | | Business Description: | A holding company for Access National Bank, which provides commercial credit, deposit and mortgage services to middle market businesses and associated professionals, mainly in the greater Washington, D.C. Metropolitan Area.
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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 | | 6.01 |  -0.088 | 4.97 | 7.22 | 6.19 | 6.01 | 5.99 | 2974 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 63.0 | 10.4 | 0.40 | 0.46 | 0.04 | 7.0 | 0.7 | 6.92 - 3.80 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 6.01 | $ | | PE Ratio - LTM | 7.0 | |
| Market Capitalisation | 63.0 | mil |
| Latest Shares Outstanding | 10.4 | mil |
| Earnings pS (EPS) | 0.46 | $ |
| Dividend pS (DPS) | 0.04 | ¢ |
| Dividend Yield | 0.7 | % |
| Dividend Payout Ratio | 9 | % |
| Revenue per Employee | 244,228 | $ |
| Effective Tax Rate | 36.3 | % |
| Float | 6.4 | mil |
| Float as % of Shares Outstanding | 61.4 | % |
| 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 | 32.4 | % |
| Pre-Tax Profit Margin | 16.0 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 1.3 | % |
| Return on Equity (ROE) | 13.4 | % |
| Return on Capital Invested (ROCI) | 7.4 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 10.5 | |
| Interest Cover | 2.0 | |
| Total Debt/Equity (Gearing Ratio) | 1.65 | |
| LT Debt/Total Capital | 45.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 6.32 | $ |
| Tangible Book-Value pS | 6.32 | $ |
| Cash Flow pS | 0.84 | $ |
| Free Cash Flow pS | -0.14 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.95 | |
| Price/Tangible Book Ratio | 0.95 | |
| Price/Cash Flow | 7.1 | |
| Price/Free Cash Flow | -43.8 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/21/2009 |
| Dividend Ex-Date | 11/01/2009 |
| Dividend Record Date | 11/03/2009 |
| Dividend Pay Date | 11/24/2009 |
| Dividend Amount | 10 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.04 |
| Current Dividend Yield | 0.7 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 9.0 |
| 5-Y Average Payout Ratio | 5.0 |
|  | | 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 | - | - | - | 0.2 | 100 | 59 | 179 |
| 4 Weeks | 6.44 | 5.97 | 6.15 | -2.3 | 97 | 52 | 1,044 |
| 13 Weeks | 6.85 | 5.90 | 6.40 | -6.1 | 88 | 57 | 3,623 |
| 26 Weeks | 6.92 | 5.10 | 5.98 | 0.5 | 82 | 68 | 8,591 |
| 52 Weeks | 6.92 | 3.80 | 5.36 | 12.1 | 82 | 53 | 13,394 |
| YTD | 6.92 | 3.80 | - | 25.5 | 104 | 55 | 12,339 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 6.09 | 6.08 | 6.22 | 6.11 | 5.72 | 0.40 | 0.40 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 12.09 | 85.1 | 7.64 |
| Income | 7.32 | 11.2 | 2.03 |
| Dividend | 0.00 | 0.0 | 27.97 |
| Capital Spending | -44.04 | NA | -46.64 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 2.56 | NA | -2.13 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 41.6 | 31.1 | -4.8 |
| Earnings % | 115.4 | 180.1 | 28.1 |
| EPS % | 114.7 | 200.0 | 48.4 |
| EPS $ | 0.39 | 0.14 | 0.15 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | -102.09 |
| Free Cash Flow Margin 5YEAR AVG | -21.39 |
| Cash-Flow pS | -3.78 |
| Free Cash-Flow pS | -3.85 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 12.12 |
| Debt Ratio | 91.75 |
| Total Debt/Equity (Gearing Ratio) | 2.60 |
| LT Debt/Equity | 0.82 |
| LT Debt/Capital Invested | 44.94 |
| LT Debt/Total Liabilities | 7.34 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.54 |
| Tobin's Q Ratio | 0.10 |
| Current P/E Ratio - LTM | 7.00 |
| Enterprise Value (EV)/EBITDA | 0.05 |
| Enterprise Value (EV)/Free Cash Flow | -7.58 |
| Dividend Yield | 0.7 |
| Price/Tangible Book Ratio - LTM | 0.95 |
| Price/Book Ratio - LTM | 0.95 |
| Price/Cash Flow Ratio | 7.1 |
| Price/Free Cash Flow Ratio - LTM | -43.8 |
| P/E Ratio (1 month ago) - LTM | 7.4 |
| P/E Ratio (26 weeks ago) - LTM | 10.9 |
| P/E Ratio (52 weeks ago) - LTM | 13.7 |
| 5-Y High P/E Ratio | 31.7 |
| 5-Y Low P/E Ratio | 9.6 |
| 5-Y Average P/E Ratio | 17.6 |
| Current P/E Ratio as % of 5-Y Average P/E | 40 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 7.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 6.32 |
| Book Value pS - LTM | 6.32 |
| Capital Invested pS | 10.08 |
| Cash Flow pS - LTM | 0.84 |
| Free Cash Flow pS - LTM | -0.14 |
| Earnings pS (EPS) | 0.46 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 8.19 |
| Return on Equity (ROE) - 5YEAR AVRG. | 10.6 |
| Return on Capital Invested (ROCI) | 4.51 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 5.5 |
| Return on Assets (ROA) | 0.68 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.9 |
| EBIT Margin - LTM | 32.4 |
| EBITDA Margin - LTM | 32.4 |
| Pre-Tax Profit Margin | 35.36 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 44.80 |
| Net Profit Margin | 22.53 |
| Net Profit Margin - 5YEAR AVRG. | 29.90 |
| Effective Tax Rate | 36.27 |
| Effective Tax Rate - 5YEAR AVRG. | 34.21 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 319,165 |
| Net Income per Employee - LTM | 30,912 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,414.05 |
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