American National Bankshares Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of American National Bankshares Inc (AMNB) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: American National Bankshares Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 102M vs 761,773M combined for its competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-6.5% annualized vs trailing 12 months), vs decelerating (-28.0%) for its tracked peer group.
- Growth: American National Bankshares Inc generated -10.5% revenue growth year over year in Q4 2023, vs -2.3% for its competitors combined.
- Profitability: Its 17.0% net margin compares with 17.6% for the peer group.
- Peer revenue share: American National Bankshares Inc accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.31M compares with $0.48M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
AMNB Sales vs. its Competitors, Q4 2023
American National Bankshares Inc reported revenue contraction of 10.45 % year on year in Q4 2023, below its competitors' combined revenue change of -2.26 %.
With a net margin of 17.01 %, American National Bankshares Inc reported lower profitability than its competitors (17.64 %).
American National Bankshares Inc generated 0.02 % of the combined sales of its peer group, up from 0.02 % a year earlier.
API endpoints for this dataset
American National Bankshares Inc vs. its Competitors, Q4 2023
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in American National Bankshares Inc reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across American National Bankshares Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| American National Bankshares Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across American National Bankshares Inc's competitor groups requires a Commercial License.
For context: the Commercial Banks industry grew revenue -5.7% year over year, combined, vs -10.5% for American National Bankshares Inc. American National Bankshares Inc's share of combined industry revenue moved from 0.01% to 0.01%, a gain of 0.00 percentage points.
American National Bankshares Inc's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| American National Bankshares Inc | Yes | No | No | Yes |
| Competitors combined (94) | ||||
| High-Confidence Competitors (1) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
AMNB Stock Performance relative to its Competitors
AMNB Stock Performance relative to High-Confidence Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Brookline Bancorp inc | 282.9% | Outperformed |
| 2 | F and m Bank Corp | 282.9% | Outperformed |
| 3 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
| 4 | Fidelity D and D Bancorp Inc | 282.9% | Outperformed |
| 5 | Franklin Financial Services Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for American National Bankshares Inc's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
American National Bankshares Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of American National Bankshares Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 American National Bankshares Inc |
486.79 | 102.42 |
 Jpmorgan Chase and Co |
897,436.67 | 190,733.00 |
 Bank Of America Corporation |
356,921.12 | 122,968.00 |
 Wells Fargo and Company |
256,142.91 | 85,055.00 |
 Citigroup inc |
206,640.54 | 91,360.00 |
 Capital one financial corp |
123,039.77 | 54,798.00 |
| SUBTOTAL | 2,684,620.44 | 821,874.54 |
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Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on American National Bankshares Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
American National Bankshares Inc's Competitors Named by the Company
Competitive relationships identified from American National Bankshares Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| HomeTown Bankshares Corporation | Company report | 85% |
| Bank Bradesco | Company report | 85% |
| Two | Company report | 85% |
| Financial Institutions Inc | Company report | 85% |
| Us Bancorp De | Company report | 85% |
| Wesbanco Inc | Company report | 85% |
| Wells Fargo and Company | Company report | 85% |
| Wintrust Financial Corp | Company report | 85% |
Company report basis, confidence, active dates and source counts for American National Bankshares Inc's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
American National Bankshares Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| Capital one financial corp | Credit Card 74.32 % |
| Citizens Financial Group Inc | Consumer Banking 73.64 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Webster Financial Corporation | Commercial Banking 48.55 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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American National Bankshares Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| American National Bankshares Inc | 487 | 306,656 | 78,320 |
| Jpmorgan Chase and Co | 897,437 | 598,825 | 204,714 |
| Bank Of America Corporation | 356,921 | 577,315 | 150,793 |
| Wells Fargo and Company | 256,143 | 355,879 | 96,699 |
| Citigroup inc | 206,641 | 404,248 | 80,004 |
| Capital one financial corp | 123,040 | 718,191 | 142,595 |
| PEERS TOTAL | 2,684,134 | 484,948 | 132,746 |
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American National Bankshares Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Brc Group Holdings Inc | North America 38.29 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
American National Bankshares Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Commercial Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Commercial Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 0.96 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 48.24 % | 0.23 % (avg) | +48.0 pp |
| Capital Intensity (Capex / Revenue) | 1.50 % | 0.98 % (avg) | +0.5 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
American National Bankshares Inc's Valuation vs Competitive Position
Valuation multiples vs the Commercial Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Commercial Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 17.1x | 10.9x | +6.2x |
| EV / EBITDA | 9.6x | 5.2x | +4.4x |
| P/B | 1.3x | 1.6x | -0.3x |
| Return on Equity | 7.88 % | industry aggregate | -1.77 % |
| Return on Invested Capital | 1.00 % | 0.00 % (avg) | 1.00 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
American National Bankshares Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 2.45 % | 9.27 % | 5.09 % | 26.73 % | -0.10 % | 24.52 % | -5.95 % | -4.68 % |
| Operating Margin | - | 37.81 % | 38.95 % | 28.06 % | 40.53 % | - | - | - |
| Return on Invested Capital | - | 5.79 % | 6.15 % | 4.14 % | 5.21 % | 7.37 % | 2.11 % | 1.00 % |
| P/E | 17.5x | 22.2x | 12.9x | 18.6x | 9.9x | 9.3x | 11.3x | 17.1x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
American National Bankshares Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 1.50 % vs industry average 0.98 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on American National Bankshares Inc's dedicated Suppliers and Customers pages, not here.
American National Bankshares Inc's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
American National Bankshares Inc falls in the Low attractiveness / High strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
American National Bankshares Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Latest-quarter revenue run-rate is decelerating (-6.5% annualized vs trailing 12 months).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 11.3% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-28.0% annualized).
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: see Methodology: SWOT Analysis.
American National Bankshares Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| American National Bankshares Inc | 0.01 | 1.06 | 0.21 |
| Jpmorgan Chase and Co | 0.15 | 0.42 | 1.41 |
| Bank Of America Corporation | 0.10 | 0.52 | 1.27 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.16 |
| Citigroup inc | 0.07 | 0.40 | 1.78 |
| Capital one financial corp | 0.05 | 1.03 | 0.58 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
American National Bankshares Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| American National Bankshares Inc | Q4 2023 | -10.4 % | -49.3 % |
| Jpmorgan Chase and Co | Q3 2026 | +10.2 % | +9.0 % |
| Bank Of America Corporation | Q3 2026 | +3.2 % | -16.8 % |
| Wells Fargo and Company | Q3 2026 | +5.4 % | +6.9 % |
| Citigroup inc | Q2 2026 | +14.3 % | +44.6 % |
| Capital one financial corp | Q3 2026 | +29.3 % | +12.0 % |
| PEERS TOTAL | +10.1 % | +10.0 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
American National Bankshares Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| American National Bankshares Inc | Q4 2023 | -62.4 % | -22.8 % |
| Jpmorgan Chase and Co | Q3 2026 | -12.8 % | - |
| Bank Of America Corporation | Q3 2026 | - | - |
| Wells Fargo and Company | Q3 2026 | +31.5 % | - |
| Citigroup inc | Q2 2026 | - | -11.6 % |
| Capital one financial corp | Q3 2026 | +7.4 % | +1.3 % |
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American National Bankshares Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| American National Bankshares Inc | 0.85% | 0.85% | 7.88% |
| Jpmorgan Chase and Co | 1.34% | 1.65% | 17.70% |
| Bank Of America Corporation | 0.93% | 1.18% | 10.69% |
| Wells Fargo and Company | 1.04% | 1.23% | 12.78% |
| Citigroup inc | 0.66% | 0.69% | 8.46% |
| Capital one financial corp | 1.61% | 1.59% | 9.69% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
American National Bankshares Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| American National Bankshares Inc | 18.69 | 4.75 |
| Jpmorgan Chase and Co | 14.07 | 4.71 |
| Bank Of America Corporation | 11.79 | 2.90 |
| Wells Fargo and Company | 11.91 | 3.01 |
| Citigroup inc | 12.90 | 2.26 |
| Capital one financial corp | 11.48 | 2.25 |
| PEERS AVERAGE | 11.93 | 3.27 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.