ATLANTIC UNION BANKSHARES CO (AUB) Stock Fundamental Analysis
NYSE:AUB - New York Stock Exchange, Inc. - US04911A1079 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to AUB. AUB was compared to 398 industry peers in the Banks industry. AUB has a bad profitability rating. Also its financial health evaluation is rather negative. AUB has a correct valuation and a medium growth rate. AUB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
AUB had positive earnings in the past year.
AUB had a positive operating cash flow in the past year.
In the past 5 years AUB has always been profitable.
AUB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
AUB has a Return On Assets (0.80%) which is in line with its industry peers.
AUB has a worse Return On Equity (6.28%) than 68.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 6.28% | ||
| ROIC | N/A |
ROA(3y)0.93%
ROA(5y)0.96%
ROE(3y)7.7%
ROE(5y)7.6%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of AUB (24.13%) is comparable to the rest of the industry.
AUB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for AUB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.13% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.45%
PM growth 5Y-3.51%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
AUB does not have a ROIC to compare to the WACC, probably because it is not profitable.
AUB has more shares outstanding than it did 1 year ago.
AUB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, AUB has an improved debt to assets ratio.
2.2 Solvency
AUB has a debt to FCF ratio of 1.60. This is a very positive value and a sign of high solvency as it would only need 1.60 years to pay back of all of its debts.
AUB has a Debt to FCF ratio (1.60) which is in line with its industry peers.
A Debt/Equity ratio of 0.15 indicates that AUB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.15, AUB perfoms like the industry average, outperforming 57.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for AUB have decreased by -9.09% in the last year.
AUB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.29% yearly.
The Revenue has grown by 16.46% in the past year. This is quite good.
AUB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.04% yearly.
EPS 1Y (TTM)-9.09%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%-12.31%
Revenue 1Y (TTM)16.46%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%25.21%
3.2 Future
AUB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.80% yearly.
Based on estimates for the next years, AUB will show a very strong growth in Revenue. The Revenue will grow by 23.83% on average per year.
EPS Next Y20.01%
EPS Next 2Y19.84%
EPS Next 3Y12.8%
EPS Next 5YN/A
Revenue Next Year62.32%
Revenue Next 2Y37.19%
Revenue Next 3Y23.83%
Revenue Next 5YN/A
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 accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.26, the valuation of AUB can be described as reasonable.
Based on the Price/Earnings ratio, AUB is valued a bit cheaper than the industry average as 69.85% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 28.88. AUB is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 6.94, which indicates a rather cheap valuation of AUB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AUB indicates a rather cheap valuation: AUB is cheaper than 89.20% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.20, AUB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.26 | ||
| Fwd PE | 6.94 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AUB is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
AUB's earnings are expected to grow with 12.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)35.34
EPS Next 2Y19.84%
EPS Next 3Y12.8%
5. Dividend
5.1 Amount
AUB has a Yearly Dividend Yield of 4.95%, which is a nice return.
The stock price of AUB dropped by -26.66% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
AUB's Dividend Yield is rather good when compared to the industry average which is at 3.52. AUB pays more dividend than 84.67% of the companies in the same industry.
AUB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.95% |
5.2 History
The dividend of AUB is nicely growing with an annual growth rate of 6.99%!
AUB has paid a dividend for at least 10 years, which is a reliable track record.
AUB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.99%
Div Incr Years14
Div Non Decr Years14
5.3 Sustainability
AUB pays out 62.80% of its income as dividend. This is not a sustainable payout ratio.
AUB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP62.8%
EPS Next 2Y19.84%
EPS Next 3Y12.8%
27.7
-0.14 (-0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.77%
Inst Owner Change-0.16%
Ins Owners0.96%
Ins Owner Change16.12%
Market Cap3.66B
Analysts80
Price Target41.65 (50.36%)
Short Float %3.8%
Short Ratio2.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.95% |
Yearly Dividend1.5
Dividend Growth(5Y)6.99%
DP62.8%
Div Incr Years14
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.73%
Min EPS beat(2)-14.29%
Max EPS beat(2)0.83%
EPS beat(4)1
Avg EPS beat(4)-6.81%
Min EPS beat(4)-14.29%
Max EPS beat(4)0.83%
EPS beat(8)4
Avg EPS beat(8)-6.86%
EPS beat(12)6
Avg EPS beat(12)-4.51%
EPS beat(16)8
Avg EPS beat(16)-0.54%
Revenue beat(2)0
Avg Revenue beat(2)-3.73%
Min Revenue beat(2)-4.81%
Max Revenue beat(2)-2.65%
Revenue beat(4)0
Avg Revenue beat(4)-4.4%
Min Revenue beat(4)-5.64%
Max Revenue beat(4)-2.65%
Revenue beat(8)1
Avg Revenue beat(8)-4.41%
Revenue beat(12)2
Avg Revenue beat(12)-3.34%
Revenue beat(16)3
Avg Revenue beat(16)-2.97%
PT rev (1m)-12.37%
PT rev (3m)-11.23%
EPS NQ rev (1m)-0.94%
EPS NQ rev (3m)-6.84%
EPS NY rev (1m)0.47%
EPS NY rev (3m)4.95%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)16.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.26 | ||
| Fwd PE | 6.94 | ||
| P/S | 4.48 | ||
| P/FCF | 12.16 | ||
| P/OCF | 11.87 | ||
| P/B | 1.16 | ||
| P/tB | 1.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY9.75%
EPS(NY)3.99
Fwd EY14.41%
FCF(TTM)2.28
FCFY8.22%
OCF(TTM)2.33
OCFY8.43%
SpS6.19
BVpS23.78
TBVpS13.96
PEG (NY)0.51
PEG (5Y)35.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 6.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.13% | ||
| GM | N/A | ||
| FCFM | 36.83% |
ROA(3y)0.93%
ROA(5y)0.96%
ROE(3y)7.7%
ROE(5y)7.6%
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 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.45%
PM growth 5Y-3.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.6 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 20.94% | ||
| Cap/Sales | 0.9% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 152.62% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC16.3%
ROIC/WACCN/A
Cap/Depr(3y)13.25%
Cap/Depr(5y)25.4%
Cap/Sales(3y)0.68%
Cap/Sales(5y)1.55%
Profit Quality(3y)156.36%
Profit Quality(5y)146.4%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.09%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%-12.31%
EPS Next Y20.01%
EPS Next 2Y19.84%
EPS Next 3Y12.8%
EPS Next 5YN/A
Revenue 1Y (TTM)16.46%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%25.21%
Revenue Next Year62.32%
Revenue Next 2Y37.19%
Revenue Next 3Y23.83%
Revenue Next 5YN/A
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 1Y16.3%
FCF growth 3Y-2.86%
FCF growth 5Y10.97%
OCF growth 1Y16.85%
OCF growth 3Y-2.98%
OCF growth 5Y9.63%