ATLANTIC CAPITAL BANCSHARES (ACBI)

Common Stock

32.34  -0.03 (-0.09%)

After market: 32.34 0 (0%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to ACBI. ACBI was compared to 411 industry peers in the Banks industry. ACBI may be in some trouble as it scores bad on both profitability and health. ACBI is quite expensive at the moment. It does show a decent growth rate.



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1

1. Profitability

1.1 Basic Checks

ACBI had positive earnings in the past year.
Of the past 5 years ACBI 4 years were profitable.
Of the past 5 years ACBI 4 years had a positive operating cash flow.

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

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

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1

2. Health

2.1 Basic Checks

Compared to 1 year ago, ACBI has less shares outstanding
Compared to 1 year ago, ACBI has an improved debt to assets ratio.

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

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.
The Earnings Per Share has been growing by 35.32% on average over the past years. This is a very strong growth
The Revenue has grown by 18.62% in the past year. This is quite good.
ACBI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.92% yearly.
EPS 1Y (TTM)128.97%
EPS 3Y35.26%
EPS 5Y35.32%
EPS growth Q2Q18.75%
Revenue 1Y (TTM)18.62%
Revenue growth 3Y10.16%
Revenue growth 5Y11.92%
Revenue growth Q2Q16.24%

3.2 Future

ACBI is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.98% yearly.
The Revenue is expected to grow by 6.73% on average over the next years.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.20 indicates a correct valuation of ACBI.
ACBI is valuated rather cheaply when we compare the Price/Earnings ratio to 24.92, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 16.18, the valuation of ACBI can be described as correct.
The average S&P500 Price/Forward Earnings ratio is at 21.49. ACBI is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.2
Fwd PE 16.18

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

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

No dividends for ACBI!.
Industry RankSector Rank
Dividend Yield N/A

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ATLANTIC CAPITAL BANCSHARES

NASDAQ:ACBI (2/28/2022, 7:00:00 PM)

After market: 32.34 0 (0%)

32.34

-0.03 (-0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap656.50M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 13.2
Fwd PE 16.18
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.37
Profitability
Industry RankSector Rank
ROA 1.31%
ROE 13.42%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 43.47%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)128.97%
EPS 3Y35.26%
EPS 5Y
EPS growth Q2Q
EPS Next Y-18.4%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)18.62%
Revenue growth 3Y10.16%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y