Benchmark Bankshares Inc - Understand $bmbn stock

$BMBN Market Cap: $107.1 Million

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Financial Snapshot

Revenue

Gross Margin

Net Earnings

$5.280M

TTM

Current Assets

Current Liabilities

$1.100M

Q1 2012

Current Ratio

Total Assets

$422.3M

Q1 2012

Total Liabilities

$377.5M

Q1 2012

Book Value

$44.80M

Q1 2012

Cash

P/E

20.28

Nov 26, 2024 EST

Free Cash Flow

Revenues

Revenue YoY Change

Revenues

Concept	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Revenue
YoY Change

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization
YoY Change
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Pretax Income	$6.270M	$5.420M	$5.610M	$5.650M	$5.540M	$5.390M	$5.020M	$4.980M	$4.740M	$3.890M	$4.160M	$3.570M	$3.790M	$3.770M	$3.510M	$3.150M	$2.810M
YoY Change	15.68%	-3.39%	-0.71%	1.99%	2.78%	7.37%	0.8%	5.06%	21.85%	-6.49%	16.53%	-5.8%	0.53%	7.41%	11.43%	12.1%	11.95%
Income Tax	$1.720M	$1.510M	$1.690M	$1.700M	$1.740M	$1.560M	$1.460M	$1.380M	$1.340M	$1.160M	$1.310M	$1.060M	$1.140M	$1.190M	$1.060M	$940.0K	$830.0K
% Of Pretax Income	27.43%	27.86%	30.12%	30.09%	31.41%	28.94%	29.08%	27.71%	28.27%	29.82%	31.49%	29.69%	30.08%	31.56%	30.2%	29.84%	29.54%
Net Earnings	$4.540M	$3.900M	$3.920M	$3.940M	$3.810M	$3.840M	$3.550M	$3.600M	$3.400M	$2.740M	$2.850M	$2.510M	$2.640M	$2.580M	$2.450M	$2.210M	$1.970M
YoY Change	16.41%	-0.51%	-0.51%	3.41%	-0.78%	8.17%	-1.39%	5.88%	24.09%	-3.86%	13.55%	-4.92%	2.33%	5.31%	10.86%	12.18%	13.87%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share	$873.1K	$742.9K	$739.6K	$722.9K	$691.5K	$680.9K	$587.7K	$598.0K	$564.8K	$457.4K	$473.4K	$416.9K	$443.0K	$441.0K	$423.9K	$386.4K	$347.4K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$11.80M	$10.10M	$10.60M	$9.900M	$8.800M	$7.600M	$5.700M	$4.500M	$4.300M	$4.300M	$3.800M	$3.400M	$3.200M	$3.000M	$3.100M	$2.000M	$1.700M
YoY Change	16.83%	-4.72%	7.07%	12.5%	15.79%	33.33%	26.67%	4.65%	0.0%	13.16%	11.76%	6.25%	6.67%	-3.23%	55.0%	17.65%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$2.100M	$1.600M	$1.300M	$1.200M	$1.100M	$900.0K	$500.0K	$300.0K	$200.0K	$600.0K	$500.0K	$600.0K	$300.0K	$300.0K	$300.0K	$200.0K	$500.0K
YoY Change	31.25%	23.08%	8.33%	9.09%	22.22%	80.0%	66.67%	50.0%	-66.67%	20.0%	-16.67%	100.0%	0.0%	0.0%	50.0%	-60.0%
Total Long-Term Assets
YoY Change
Total Assets	$418.0M	$383.9M	$373.6M	$342.9M	$313.4M	$297.9M	$293.0M	$283.9M	$265.1M	$241.8M	$205.3M	$193.3M	$185.4M	$158.7M	$150.9M	$135.4M	$115.3M
YoY Change
Accounts Payable	$600.0K	$800.0K	$1.000M	$1.000M	$900.0K	$800.0K	$600.0K	$700.0K	$800.0K	$1.000M	$1.000M	$800.0K	$800.0K	$700.0K	$700.0K	$700.0K	$500.0K
YoY Change	-25.0%	-20.0%	0.0%	11.11%	12.5%	33.33%	-14.29%	-12.5%	-20.0%	0.0%	25.0%	0.0%	14.29%	0.0%	0.0%	40.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$1.700M	$0.00	$5.300M	$0.00	$4.000M	$0.00				$0.00	$7.000M	$0.00			$200.0K	$0.00
YoY Change	-100.0%		-100.0%		-100.0%						-100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$1.300M	$1.500M	$1.900M	$1.800M	$1.700M	$1.600M	$1.300M	$1.300M	$1.400M	$1.600M	$1.600M	$1.300M	$1.300M	$1.200M	$1.100M	$1.100M	$800.0K
YoY Change	-13.33%	-21.05%	5.56%	5.88%	6.25%	23.08%	0.0%	-7.14%	-12.5%	0.0%	23.08%	0.0%	8.33%	9.09%	0.0%	37.5%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities	$2.200M	$1.900M	$1.400M	$1.200M	$700.0K	$800.0K	$1.000M	$800.0K	$500.0K	$400.0K	$300.0K	$200.0K	$200.0K	$100.0K	$100.0K	$100.0K	$100.0K
YoY Change	15.79%	35.71%	16.67%	71.43%	-12.5%	-20.0%	25.0%	60.0%	25.0%	33.33%	50.0%	0.0%	100.0%	0.0%	0.0%	0.0%
Total Long-Term Liabilities	$2.200M	$1.900M	$1.400M	$1.200M	$700.0K	$800.0K	$1.000M	$800.0K	$500.0K	$400.0K	$300.0K	$200.0K	$200.0K	$100.0K	$100.0K	$100.0K	$100.0K
YoY Change	15.79%	35.71%	16.67%	71.43%	-12.5%	-20.0%	25.0%	60.0%	25.0%	33.33%	50.0%	0.0%	100.0%	0.0%	0.0%	0.0%
Total Liabilities	$380.0M	$348.1M	$339.9M	$310.7M	$283.1M	$269.9M	$262.3M	$255.3M	$238.5M	$218.3M	$183.1M	$173.3M	$166.4M	$142.1M	$136.5M	$122.9M	$105.4M
YoY Change	9.16%	2.41%	9.4%	9.75%	4.89%	2.9%	2.74%	7.04%	9.25%	19.22%	5.65%	4.15%	17.1%	4.1%	11.07%	16.6%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $107.08 Million

About BENCHMARK BANKSHARES INC

Benchmark Bankshares, Inc. operates as a bank holding company of Benchmark Community Bank, which engages in the provision of banking and financial services. The company is headquartered in Kenbridge, Virginia. The Bank is a full-service financial institution, which is focused on serving Southside Virginia and Northern North Carolina. Its deposit products include traditional savings accounts, holiday savings clubs, certificates of deposit, and individual retirement accounts. The company also offers free financial consultations and investment and insurance services. Its commercial services include electronic funds transfer, direct deposit payroll service, positive pay and merchant services, and credit card processing. Its borrowing solutions include personal loans, mortgages, other real estate loans, business loans, auto loans, student loans, and credit cards. The Bank provides various wealth management solutions, such as financial solutions, financial planning, retirement planning, and portfolio management. The company offers safe deposit boxes and wire transfers. The Bank also provides mobile banking and Internet banking.

Industry: State Commercial Banks Peers: BANK OF SOUTH CAROLINA CORP JD BANCSHARES INC FIRST NATIONAL CORP /VA/ PNC FINANCIAL SERVICES GROUP, INC. UNITED BANCORP INC /OH/