ATLANTIC CAPITAL BANCSHARES (ACBI) Fundamental Analysis & Valuation

NASDAQ:ACBI

Current stock price

32.34
-0.03 (-0.09%)
At close:
32.34
0 (0%)
After Hours:

This ACBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. ACBI Profitability Analysis

1.1 Basic Checks

  • In the past year ACBI was profitable.
ACBI Yearly Net Income VS EBIT VS OCF VS FCFACBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 0 20M 40M 60M 80M 100M

1.2 Ratios

Industry RankSector Rank
ROA 1.31%
ROE 13.42%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ACBI Yearly ROA, ROE, ROICACBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 0 5 10 15

1.3 Margins

  • ACBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 43.47%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ACBI Yearly Profit, Operating, Gross MarginsACBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 0 10 20 30 40 50

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1

2. ACBI Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for ACBI has been reduced compared to 1 year ago.
  • Compared to 1 year ago, ACBI has an improved debt to assets ratio.
ACBI Yearly Shares OutstandingACBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M 25M
ACBI Yearly Total Debt VS Total AssetsACBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 1B 2B 3B

2.2 Solvency

  • A Debt/Equity ratio of 0.20 indicates that ACBI is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ACBI Yearly LT Debt VS Equity VS FCFACBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. ACBI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 128.97% over the past year.
  • Measured over the past years, ACBI shows a very strong growth in Earnings Per Share. The EPS has been growing by 35.32% on average per year.
  • The Revenue has grown by 18.62% in the past year. This is quite good.
  • Measured over the past years, ACBI shows a quite strong growth in Revenue. The Revenue has been growing by 11.92% on average per year.
EPS 1Y (TTM)128.97%
EPS 3Y35.26%
EPS 5Y35.32%
EPS Q2Q%18.75%
Revenue 1Y (TTM)18.62%
Revenue growth 3Y10.16%
Revenue growth 5Y11.92%
Sales Q2Q%16.24%

3.2 Future

  • Based on estimates for the next years, ACBI will show a decrease in Earnings Per Share. The EPS will decrease by -1.98% on average per year.
  • ACBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.73% yearly.
EPS Next Y-18.4%
EPS Next 2Y-3.21%
EPS Next 3Y-2.72%
EPS Next 5Y-1.98%
Revenue Next Year4.13%
Revenue Next 2Y7.23%
Revenue Next 3Y6.54%
Revenue Next 5Y6.73%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ACBI Yearly Revenue VS EstimatesACBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
ACBI Yearly EPS VS EstimatesACBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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4. ACBI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.20 indicates a correct valuation of ACBI.
  • ACBI is valuated cheaply when we compare the Price/Earnings ratio to 27.87, which is the current average of the S&P500 Index.
  • ACBI is valuated correctly with a Price/Forward Earnings ratio of 16.18.
  • When comparing the Price/Forward Earnings ratio of ACBI to the average of the S&P500 Index (38.51), we can say ACBI is valued rather cheaply.
Industry RankSector Rank
PE 13.2
Fwd PE 16.18
ACBI Price Earnings VS Forward Price EarningsACBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ACBI Per share dataACBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • A cheap valuation may be justified as ACBI's earnings are expected to decrease with -2.72% in the coming years.
PEG (NY)N/A
PEG (5Y)0.37
EPS Next 2Y-3.21%
EPS Next 3Y-2.72%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

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5. ACBI Dividend Analysis

5.1 Amount

  • ACBI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ACBI Fundamentals: All Metrics, Ratios and Statistics

ATLANTIC CAPITAL BANCSHARES

NASDAQ:ACBI (2/28/2022, 8:00:00 PM)

After market: 32.34 0 (0%)

32.34

-0.03 (-0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-24
Earnings (Next)04-20
Inst Owners0.07%
Inst Owner Change0%
Ins Owners0.86%
Ins Owner Change0%
Market Cap656.50M
Revenue(TTM)115.36M
Net Income(TTM)50.14M
Analysts84.44
Price Target29.71 (-8.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.2
Fwd PE 16.18
P/S 5.69
P/FCF N/A
P/OCF N/A
P/B 1.76
P/tB N/A
EV/EBITDA N/A
EPS(TTM)2.45
EY7.58%
EPS(NY)2
Fwd EY6.18%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.68
BVpS18.4
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.37
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA 1.31%
ROE 13.42%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 43.47%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)128.97%
EPS 3Y35.26%
EPS 5Y35.32%
EPS Q2Q%18.75%
EPS Next Y-18.4%
EPS Next 2Y-3.21%
EPS Next 3Y-2.72%
EPS Next 5Y-1.98%
Revenue 1Y (TTM)18.62%
Revenue growth 3Y10.16%
Revenue growth 5Y11.92%
Sales Q2Q%16.24%
Revenue Next Year4.13%
Revenue Next 2Y7.23%
Revenue Next 3Y6.54%
Revenue Next 5Y6.73%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

ATLANTIC CAPITAL BANCSHARES / ACBI Fundamental Analysis FAQ

What is the fundamental rating for ACBI stock?

ChartMill assigns a fundamental rating of 4 / 10 to ACBI.


Can you provide the valuation status for ATLANTIC CAPITAL BANCSHARES?

ChartMill assigns a valuation rating of 4 / 10 to ATLANTIC CAPITAL BANCSHARES (ACBI). This can be considered as Fairly Valued.


Can you provide the profitability details for ATLANTIC CAPITAL BANCSHARES?

ATLANTIC CAPITAL BANCSHARES (ACBI) has a profitability rating of 7 / 10.


Can you provide the expected EPS growth for ACBI stock?

The Earnings per Share (EPS) of ATLANTIC CAPITAL BANCSHARES (ACBI) is expected to decline by -18.4% in the next year.