Market Price

14.39 

0.05 0.4%

as of Jun 14 '19

52 Week Range:

12.87 18.24


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 middle market corporate clients and retail clients 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 to 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, asset based lending, and mobile banking application services. 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, 2018, it had 38 full-service retail branches in Virginia and 7 full-service retail branches in Maryland. The company was founded in 2004 and is headquartered 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 '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 10.12
8.38
8.55
8.89
8.90
9.14
9.53
9.83
10.20
13.62
14.17
growth rate -17.2% 2.0% 4.0% 0.1% 2.7% 4.3% 3.2% 3.8% 33.5% 4.0%
Earnings BIT 1.52
3.30
2.50
6.09
9.68
9.29
11.93
14.60
15.94
20.23
growth rate 117.1% -24.2% 143.6% 59.0% -4.0% 28.5% 22.3% 9.2% 26.9%
Avg.PE 33.44
23.09
49.02
16.08
14.37
18.59
19.10
16.55
19.92
125.62
10.53
growth rate -31.0% 112.3% -67.2% -10.6% 29.4% 2.7% -13.4% 20.4% 530.6% -91.6%
ROA 0.30
0.45
0.30
0.73
0.98
0.87
0.92
0.95
0.95
0.13
1.27
growth rate 50.0% -33.3% 143.3% 34.3% -11.2% 5.8% 3.3% 0.0% -86.3% 876.9%
ROE 1.75
2.84
1.84
4.44
6.50
5.97
6.78
7.95
8.38
1.08
10.04
growth rate 62.3% -35.2% 141.3% 46.4% -8.2% 13.6% 17.3% 5.4% -87.1% 829.6%
ROIC 9.34
7.19
6.08
6.69
8.02
7.09
7.83
growth rate -23.0% -15.4% 10.0% 19.9% -11.6% 10.4%
Leverage 6.28
6.29
5.96
6.17
7.02
6.72
8.04
8.66
9.04
8.10
7.76
growth rate 0.2% -5.3% 3.5% 13.8% -4.3% 19.6% 7.7% 4.4% -10.4% -4.2%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
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
growth rate 11.2% 10.6% 104.3% 12.5%
Cur.Assets 54.94
43.70
58.12
33.04
33.69
growth rate -20.5% 33.0% -43.2% 2.0%
Total Assets 431.90
610.70
590.80
611.37
723.81
716.19
916.65
1,036.11
1,142.44
2,614.25
2,701.30
growth rate 41.4% -3.3% 3.5% 18.4% -1.1% 28.0% 13.0% 10.3% 128.8% 3.3%
Cash 14.80
8.10
9.70
56.67
131.85
111.21
36.82
29.46
44.49
25.46
28.61
growth rate -45.3% 19.8% 484.2% 132.7% -15.7% -66.9% -20.0% 51.0% -42.8% 12.4%
Inventory 13.05
10.44
8.62
7.58
5.08
growth rate -20.0% -17.5% -12.1% -33.0%
Cur.Liabilities 771.47
894.68
1,007.98
2,216.24
2,279.66
growth rate 16.0% 12.7% 119.9% 2.9%
Liabilities 363.10
513.60
491.70
512.32
620.64
609.57
802.67
916.47
1,016.10
2,291.48
2,353.01
growth rate 41.5% -4.3% 4.2% 21.1% -1.8% 31.7% 14.2% 10.9% 125.5% 2.7%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
25.00
15.00
56.66
56.67
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -98.8% -40.0% 94.4% 0.0%
Equity 68.80
97.10
99.10
99.05
103.18
106.61
113.98
119.64
126.34
322.77
348.29
growth rate 41.1% 2.1% -0.1% 4.2% 3.3% 6.9% 5.0% 5.6% 155.5% 7.9%
Common Shares 7.00
8.00
12.00
12.00
12.00
12.00
12.00
12.00
12.00
19.00
24.00
growth rate 14.3% 50.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 58.3% 26.3%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 0.10
0.10
2.00
0.52
0.79
0.44
0.90
0.31
0.14
1.43
1.97
growth rate 0.0% 1,900.0% -73.9% 51.9% -44.9% 105.3% -65.8% -53.4% 896.5% 38.5%
Cash Dividends 0.00
0.00
0.00
0.00
2.84
2.90
3.62
3.91
3.92
5.80
7.69
growth rate 2.0% 24.9% 8.1% 0.2% 47.9% 32.6%
Cash From OA 4.50
5.50
2.80
13.15
10.84
5.85
11.49
12.22
18.02
24.59
41.44
growth rate 22.2% -49.1% 369.8% -17.6% -46.1% 96.5% 6.4% 47.5% 36.4% 68.5%
FCF per Share 0.65
0.79
0.57
1.28
0.87
0.95
0.51
1.18
0.99
1.12
1.70
growth rate 21.5% -27.9% 124.6% -32.0% 9.2% -46.3% 131.4% -16.1% 13.1% 51.8%
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 4.00
6.00
7.00
13.00
10.00
5.00
11.00
12.00
18.00
23.00
39.00
growth rate 50.0% 16.7% 85.7% -23.1% -50.0% 120.0% 9.1% 50.0% 27.8% 69.6%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 12.30
10.20
29.20
35.87
43.16
36.87
32.14
37.23
38.22
64.72
96.72
growth rate -17.1% 186.3% 22.8% 20.3% -14.6% -12.8% 15.8% 2.7% 69.3% 49.4%
Op.Income 1.50
-7.40
5.90
4.40
6.57
6.26
11.88
15.17
16.77
27.17
45.83
growth rate -100.0% 100.0% -25.4% 49.3% -4.7% 89.8% 27.7% 10.6% 62.0% 68.7%
IBT 1.52
-7.36
5.93
6.09
9.68
9.29
11.24
13.96
15.41
15.57
43.31
growth rate -100.0% 100.0% 2.8% 58.9% -4.0% 20.9% 24.2% 10.4% 1.1% 178.1%
Net Income 1.20
-4.70
4.10
4.40
6.57
6.26
7.48
9.29
10.31
2.43
33.69
growth rate -100.0% 100.0% 7.3% 49.3% -4.7% 19.6% 24.1% 11.0% -76.5% 1,289.3%
EPS 0.18
-0.62
0.35
0.38
0.57
0.54
0.63
0.75
0.83
0.13
1.39
growth rate -100.0% 100.0% 8.6% 50.0% -5.3% 16.7% 19.1% 10.7% -84.3% 969.2%
Gross Profit 32.14
37.23
38.22
64.72
96.72
growth rate 15.8% 2.7% 69.3% 49.4%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 12.61
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 1.18
1.00
0.83
growth rate -15.0% -17.7%
Acct.Payable 1,894.67
1,980.70
2,024.31
2,097.60
2,111.05
growth rate 4.5% 2.2% 3.6% 0.6%
Cur.Assets 37.13
58.73
40.88
33.69
36.88
growth rate 58.2% -30.4% -17.6% 9.5%
Total Assets 2,650.44
2,725.74
2,702.54
2,701.30
2,704.20
growth rate 2.8% -0.9% -0.1% 0.1%
Cash 28.63
52.16
34.46
28.61
31.84
growth rate 82.2% -33.9% -17.0% 11.3%
Inventory 7.33
5.56
5.59
5.08
5.04
growth rate -24.1% 0.5% -9.2% -0.7%
Cur.Liabilities 2,245.06
2,317.21
2,285.86
2,279.66
2,260.32
growth rate 3.2% -1.4% -0.3% -0.9%
Liabilities 2,322.37
2,391.29
2,361.70
2,353.01
2,351.51
growth rate 3.0% -1.2% -0.4% -0.1%
LT Debt 56.67
56.67
56.67
56.67
65.53
growth rate 0.0% 0.0% 0.0% 15.6%
Equity 328.07
334.45
340.84
348.29
352.69
growth rate 2.0% 1.9% 2.2% 1.3%
Common Shares 0.24
0.24
0.24
0.24
0.24
growth rate 0.0% 0.0% 0.0% 0.4%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 1.62
0.18
0.24
-0.07
0.01
growth rate -88.8% 31.9% -100.0% 100.0%
Cash Dividends 1.92
1.92
1.93
1.92
2.17
growth rate 0.3% 0.2% -0.1% 12.8%
Cash From OA 14.40
5.65
11.71
9.68
11.69
growth rate -60.8% 107.3% -17.4% 20.8%
Sale Purchase of Stock 0.35
growth rate
FCF 12.78
5.47
11.47
9.61
11.68
growth rate -57.2% 109.8% -16.3% 21.6%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 23.98
24.51
23.99
24.23
23.81
growth rate 2.2% -2.1% 1.0% -1.7%
Op.Income 11.26
11.54
11.30
11.74
11.59
growth rate 2.5% -2.1% 3.9% -1.3%
IBT 10.36
11.06
11.06
10.82
7.52
growth rate 6.8% 0.0% -2.1% -30.5%
Net Income 8.26
8.87
8.86
7.70
6.02
growth rate 7.4% -0.1% -13.1% -21.9%
EPS
growth rate
Gross Profit 23.98
24.51
23.99
24.23
23.81
growth rate 2.2% -2.1% 1.0% -1.7%
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:

A+ (93.25)

YOY Growth Grade:

C (52.11)

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 11.75 11.07 10.76
EPS / Growth 15.7% 1.30 18.4%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 26.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 15.7% 20.3% 20.3%
Future PE 10.76 11.42 21.03
Future EPS 5.59 8.25 8.25
Value Price
MOS %
14.88
3.4%
23.28
61.8%
42.87
197.9%
MOS Price 7.44 11.64 21.43
IRT 6.27 5.68 5.68

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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