AMERICAN NATIONAL BANKSHARES INC.
Financials · National Commercial Banks · VA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $26.2M | $34.4M | $43.5M | $30.0M | $20.9M | $22.6M |
| Total assets | $3.09B | $3.07B | $3.33B | $3.05B | $2.48B | $1.86B |
| Total liabilities | $2.75B | $2.74B | $2.98B | $2.71B | $2.16B | $1.64B |
| Equity | $343.2M | $321.2M | $354.8M | $337.9M | $320.3M | $222.5M |
| EPS (diluted) | $2.46 | $3.23 | $4.00 | $2.73 | $1.98 | $2.59 |
| Shares out. | 10.6M | 10.7M | 11.0M | 11.0M | 8.8M | 8.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2023- Operating margin
- —
- Net margin
- —
- Return on equity
- 7.6%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.9%
- Debt / equity
- 8.01×
- Book value / share
- $32.27
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −24.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2023- Accruals / assets
- 0.2%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsApr 1, 2024
- Other material eventFeb 23, 2024
- Other material eventFeb 7, 2024
- Results of operationsJan 23, 2024
- Director / officer changeDec 22, 2023
- Other material eventNov 21, 2023
- Shareholder voteNov 15, 2023
- Results of operationsOct 19, 2023
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 15-12GApr 11, 2024
- EFFECTApr 4, 2024
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Event-driven situations (1)
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