Market Price

8.91 

0.02 0.2%

as of Sep 18 '20

52 Week Range:

7.58 16.85


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Southern National Bancorp of Virginia, Inc. operates as the bank holding company for Sonabank that provides commercial banking services to individuals and small and medium sized businesses in the United States. Its deposit products include noninterest-bearing and interest-bearing checking, commercial checking, money market, and savings accounts, as well as certificates of deposit. The company's loan portfolio comprises commercial mortgage and non-mortgage loans, including commercial real estate loans, construction and permanent loans, development and builder loans, accounts receivable financing, lines of credit, equipment and vehicle loans, leasing, and commercial overdraft protection; construction loans for commercial, multifamily, and other non-residential properties; commercial business loans, such as lines of credit, revolving credit facilities, demand loans, term loans, equipment loans, small business administration loans, stand-by letters of credit, and unsecured loans; residential mortgage lending; and secured and unsecured consumer loans. It also offers cash management services comprising investment/sweep, zero balance, and controlled disbursement accounts; and wire transfer, employer/payroll processing, night depository, lockbox, depository transfer, merchant, ACH origination, check 21 processing, and asset based lending, as well as mobile banking application services for personal and business accounts. In addition, the company provides other consumer/retail products and services that include debit and credit cards, ATM services, travelers' checks, notary services, and online banking services. As of December 31, 2019, it operated forty-five full-service branches, which included thirty-eight in Virginia and seven in Maryland. Southern National Bancorp of Virginia, Inc. was founded in 2004 and is based in McLean, Virginia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 8.38
8.55
8.89
8.90
9.14
9.53
9.83
10.20
13.62
14.17
15.32
growth rate 2.0% 4.0% 0.1% 2.7% 4.3% 3.2% 3.8% 33.5% 4.0% 8.1%
Earnings BIT 3.30
2.50
6.09
9.68
9.29
11.93
14.60
15.94
20.23
growth rate -24.2% 143.6% 59.0% -4.0% 28.5% 22.3% 9.2% 26.9%
Avg.PE 23.09
49.02
16.08
14.37
18.59
19.10
16.55
19.92
125.62
10.53
12.11
growth rate 112.3% -67.2% -10.6% 29.4% 2.7% -13.4% 20.4% 530.6% -91.6% 15.0%
ROA 0.45
0.30
0.73
0.98
0.87
0.92
0.95
0.95
0.13
1.27
1.22
growth rate -33.3% 143.3% 34.3% -11.2% 5.8% 3.3% 0.0% -86.3% 876.9% -3.9%
ROE 2.84
1.84
4.44
6.50
5.97
6.78
7.95
8.38
1.08
10.04
9.14
growth rate -35.2% 141.3% 46.4% -8.2% 13.6% 17.3% 5.4% -87.1% 829.6% -9.0%
ROIC 7.19
6.08
6.69
8.02
7.09
7.83
growth rate -15.4% 10.0% 19.9% -11.6% 10.4%
Leverage 6.29
5.96
6.17
7.02
6.72
8.04
8.66
9.04
8.10
7.76
7.22
growth rate -5.3% 3.5% 13.8% -4.3% 19.6% 7.7% 4.4% -10.4% -4.2% -7.0%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 3.57
2.92
2.11
1.35
growth rate -18.2% -27.8% -35.9%
Acct.Payable 742.43
825.29
912.98
1,865.16
2,097.60
2,124.72
growth rate 11.2% 10.6% 104.3% 12.5% 1.3%
Cur.Assets 54.94
43.70
58.12
33.04
33.69
38.15
growth rate -20.5% 33.0% -43.2% 2.0% 13.3%
Total Assets 610.70
590.80
611.37
723.81
716.19
916.65
1,036.11
1,142.44
2,614.25
2,701.30
2,722.17
growth rate -3.3% 3.5% 18.4% -1.1% 28.0% 13.0% 10.3% 128.8% 3.3% 0.8%
Cash 8.10
9.70
56.67
131.85
111.21
36.82
29.46
44.49
25.46
28.61
31.93
growth rate 19.8% 484.2% 132.7% -15.7% -66.9% -20.0% 51.0% -42.8% 12.4% 11.6%
Inventory 13.05
10.44
8.62
7.58
5.08
6.22
growth rate -20.0% -17.5% -12.1% -33.0% 22.6%
Cur.Liabilities 771.47
894.68
1,007.98
2,216.24
2,279.66
2,261.63
growth rate 16.0% 12.7% 119.9% 2.9% -0.8%
Liabilities 513.60
491.70
512.32
620.64
609.57
802.67
916.47
1,016.10
2,291.48
2,353.01
2,344.93
growth rate -4.3% 4.2% 21.1% -1.8% 31.7% 14.2% 10.9% 125.5% 2.7% -0.3%
LT Debt 2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
25.00
15.00
56.66
56.67
56.68
growth rate 0.1% 0.1% 0.1% 0.1% -98.8% -40.0% 94.4% 0.0% 0.0%
Equity 97.10
99.10
99.05
103.18
106.61
113.98
119.64
126.34
322.77
348.29
377.24
growth rate 2.1% -0.1% 4.2% 3.3% 6.9% 5.0% 5.6% 155.5% 7.9% 8.3%
Common Shares 8.00
12.00
12.00
12.00
12.00
12.00
12.00
12.00
19.00
24.00
24.00
growth rate 50.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 58.3% 26.3% 0.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 0.10
2.00
0.52
0.79
0.44
0.90
0.31
0.14
1.43
1.97
1.10
growth rate 1,900.0% -73.9% 51.9% -44.9% 105.3% -65.8% -53.4% 896.5% 38.5% -44.2%
Cash Dividends 0.00
0.00
0.00
2.84
2.90
3.62
3.91
3.92
5.80
7.69
8.69
growth rate 2.0% 24.9% 8.1% 0.2% 47.9% 32.6% 13.0%
Cash From OA 5.50
2.80
13.15
10.84
5.85
11.49
12.22
18.02
24.59
41.44
36.76
growth rate -49.1% 369.8% -17.6% -46.1% 96.5% 6.4% 47.5% 36.4% 68.5% -11.3%
FCF per Share 0.79
0.57
1.28
0.87
0.95
0.51
1.18
0.99
1.12
1.70
1.51
growth rate -27.9% 124.6% -32.0% 9.2% -46.3% 131.4% -16.1% 13.1% 51.8% -11.2%
Sale Purchase of Stock 0.00
0.89
0.71
0.24
1.00
growth rate 29,433.3% -20.2% -66.6% 325.4%
FCF 6.00
7.00
13.00
10.00
5.00
11.00
12.00
18.00
23.00
39.00
36.00
growth rate 16.7% 85.7% -23.1% -50.0% 120.0% 9.1% 50.0% 27.8% 69.6% -7.7%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 10.20
29.20
35.87
43.16
36.87
32.14
37.23
38.22
64.72
96.72
95.84
growth rate 186.3% 22.8% 20.3% -14.6% -12.8% 15.8% 2.7% 69.3% 49.4% -0.9%
Op.Income -7.40
5.90
4.40
6.57
6.26
11.88
15.17
16.77
26.36
44.76
37.93
growth rate 100.0% -25.4% 49.3% -4.7% 89.8% 27.7% 10.6% 57.2% 69.8% -15.3%
IBT -7.36
5.93
6.09
9.68
9.29
11.24
13.96
15.41
15.57
43.31
39.24
growth rate 100.0% 2.8% 58.9% -4.0% 20.9% 24.2% 10.4% 1.1% 178.1% -9.4%
Net Income -4.70
4.10
4.40
6.57
6.26
7.48
9.29
10.31
2.43
33.69
33.17
growth rate 100.0% 7.3% 49.3% -4.7% 19.6% 24.1% 11.0% -76.5% 1,289.3% -1.6%
EPS -0.62
0.35
0.38
0.57
0.54
0.63
0.75
0.83
0.13
1.39
1.36
growth rate 100.0% 8.6% 50.0% -5.3% 16.7% 19.1% 10.7% -84.3% 969.2% -2.2%
Gross Profit 32.14
37.23
38.22
64.72
96.72
95.84
growth rate 15.8% 2.7% 69.3% 49.4% -0.9%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable
growth rate
Acct.Payable 2,150.43
2,178.74
2,124.72
2,075.35
2,151.53
growth rate 1.3% -2.5% -2.3% 3.7%
Cur.Assets 38.13
54.41
38.15
61.74
growth rate 42.7% -29.9% 61.8%
Total Assets 2,724.30
2,698.92
2,722.17
2,762.56
3,072.17
growth rate -0.9% 0.9% 1.5% 11.2%
Cash 33.09
48.57
31.93
55.87
82.59
growth rate 46.8% -34.3% 75.0% 47.8%
Inventory 5.04
5.84
6.22
5.88
6.01
growth rate 15.8% 6.7% -5.6% 2.2%
Cur.Liabilities 2,275.39
2,238.73
2,261.63
2,280.49
growth rate -1.6% 1.0% 0.8%
Liabilities 2,361.51
2,328.29
2,344.93
2,383.74
2,690.50
growth rate -1.4% 0.7% 1.7% 12.9%
LT Debt 56.68
56.68
56.68
56.69
growth rate 0.0% 0.0% 0.0%
Equity 362.79
370.63
377.24
378.82
381.67
growth rate 2.2% 1.8% 0.4% 0.8%
Common Shares 0.24
0.24
0.24
378.82
0.24
growth rate 0.0% 0.0% 157,087.6% -99.9%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 0.07
0.43
0.60
growth rate 553.0% 38.5%
Cash Dividends 2.17
2.17
2.18
growth rate 0.1% 0.1%
Cash From OA 3.80
12.04
9.23
growth rate 216.8% -23.3%
Sale Purchase of Stock
growth rate
FCF 3.74
11.61
8.64
growth rate 210.8% -25.6%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 24.16
23.84
24.03
19.89
growth rate -1.3% 0.8% -17.2%
Op.Income 10.94
11.58
7.88
0.92
growth rate 5.8% -32.0% -88.3%
IBT 10.26
11.23
10.23
0.03
5.90
growth rate 9.4% -8.9% -99.7% 17,769.7%
Net Income 9.32
8.86
8.96
0.03
4.71
growth rate -4.9% 1.1% -99.7% 17,340.7%
EPS
growth rate
Gross Profit 24.16
23.84
24.03
19.89
growth rate -1.3% 0.8% -17.2%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (79.51)

YOY Growth Grade:

D (45.47)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 9.64 9.68 9.75
EPS / Growth 20.2% 0.92 18.4%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 21.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 18.4% 20.0% 20.0%
Future PE 9.64 9.71 19.78
Future EPS 4.98 5.69 5.69
Value Price
MOS %
11.87
33.2%
13.65
53.2%
27.81
212.1%
MOS Price 5.93 6.83 13.90
IRT 5.42 5.25 5.25

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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