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ATLANTIC CAPITAL BANCSHARES (ACBI) Stock Fundamental Analysis

USA - NASDAQ:ACBI - Common Stock

32.34
-0.03 (-0.09%)
Last: 2/28/2022, 8:00:00 PM
32.34
0 (0%)
After Hours: 2/28/2022, 8:00:00 PM
Fundamental Rating

2

ACBI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. ACBI has a bad profitability rating. Also its financial health evaluation is rather negative. ACBI is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

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 2015 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 2015 2016 2017 2018 2019 2020 2021 0 5 10 15

1.3 Margins

The Operating Margin and Gross Margin are not available for ACBI so they could not be analyzed.
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 2015 2016 2017 2018 2019 2020 2021 0 10 20 30 40 50

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1

2. Health

2.1 Basic Checks

ACBI has less shares outstanding than it did 1 year ago.
The debt/assets ratio for ACBI has been reduced compared to a year ago.
ACBI Yearly Shares OutstandingACBI Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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 2015 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. Growth

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.
ACBI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.62%.
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

The Earnings Per Share is expected to decrease by -1.98% on average over the next years.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ACBI Yearly Revenue VS EstimatesACBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.20, ACBI is valued correctly.
ACBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
With a Price/Forward Earnings ratio of 16.18, ACBI is valued correctly.
ACBI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.73.
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 5 10 15 20 25

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

ACBI's earnings are expected to decrease with -2.72% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.37
EPS Next 2Y-3.21%
EPS Next 3Y-2.72%

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0

5. Dividend

5.1 Amount

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

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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 2022-01-24
Earnings (Next)04-20 2022-04-20
Inst Owners0.07%
Inst Owner Change0%
Ins Owners0.86%
Ins Owner Change0%
Market Cap656.50M
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
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
ROICexcg growth 3Y0%
ROICexcg 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