Ames National Corporation (ATLO) vs Virginia National Bankshares Corporation (VABK)

Ames National Corporation and Virginia National Bankshares Corporation are both Banks Regional companies. Ames National Corporation and Virginia National Bankshares Corporation are of similar size ($284.8M and $279.1M). Virginia National Bankshares Corporation trades at the lower P/E: 11.1× against 12.5×. Ames National Corporation grew revenue faster over the last twelve months: 7.03% against 5.24%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs 22.6%) and the lower return on invested capital (14.1% vs 18.7%). Both pay a dividend; Ames National Corporation yields more (2.86% vs 2.83%). Across the 19 metrics below, Virginia National Bankshares Corporation leads on 10 and Ames National Corporation on 9.

Valuation

Metric ATLO VABK Banks Regional median
P/E 12.47 11.10 11.98
P/S 2.81 3.13 2.34
P/B 1.34 1.42 1.19
Price to free cash flow 11.69 11.98 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.02% 9.01% 8.23%
Free cash flow yield 8.56% 8.35% 9.08%

Profitability

Metric ATLO VABK Banks Regional median
Gross margin 71.52% 72.27% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.64% 28.18% 18.66%
Free cash flow margin 24.03% 26.16% 21.11%
Return on equity 11.31% 13.57% 10.65%
Return on assets 1.09% 1.52% 1.13%
Return on invested capital 18.74% 14.14% 8.35%

Growth

Metric ATLO VABK Banks Regional median
Revenue growth (TTM) 7.03% 5.24% 6.98%
EPS growth (last fiscal year) 87.72% 12.70% 18.88%
Revenue growth, 5-year CAGR 5.96% 19.78% 12.38%
Net income growth, 5-year CAGR 0.19% 19.28% 9.71%

Health

Metric ATLO VABK Banks Regional median
Debt to equity 0.00 0.10 0.22
Current ratio 0.72 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ATLO VABK Banks Regional median
Dividend yield 2.86% 2.83% 2.57%
Payout ratio 0.36 0.32 0.30

Size

Metric ATLO VABK Banks Regional median
Market cap 284.76m 279.11m 913.33m

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