Overall AUB gets a fundamental rating of 4 out of 10. We evaluated AUB against 383 industry peers in the Banks industry. AUB may be in some trouble as it scores bad on both profitability and health. AUB has a valuation in line with the averages, but it does not seem to be growing. AUB also has an excellent dividend rating.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year AUB was profitable.
AUB had a positive operating cash flow in the past year.
Of the past 5 years AUB 4 years were profitable.
Of the past 5 years AUB 4 years had a positive operating cash flow.

1.2 Ratios

AUB has a Return On Assets of 0.56%. This is in the lower half of the industry: AUB underperforms 74.15% of its industry peers.
AUB has a Return On Equity of 4.22%. This is amonst the worse of the industry: AUB underperforms 80.42% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.56%
ROE	4.22%
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

With a Profit Margin value of 17.22%, AUB is not doing good in the industry: 72.32% of the companies in the same industry are doing better.
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)	17.22%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

The Debt to FCF ratio of AUB is 0.39, which is an excellent value as it means it would take AUB, only 0.39 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.39, AUB belongs to the best of the industry, outperforming 82.51% of the companies in the same industry.
A Debt/Equity ratio of 0.18 indicates that AUB is not too dependend on debt financing.
AUB's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. AUB outperforms 47.52% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	0.39
Altman-Z	N/A

ROIC/WACCN/A

WACC14.2%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

AUB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.78%, which is quite good.
The Earnings Per Share has been growing by 11.41% on average over the past years. This is quite good.

EPS 1Y (TTM)19.78%

EPS 3Y3.89%

EPS 5Y11.41%

EPS Q2Q%44.78%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%77.21%

3.2 Future

Based on estimates for the next years, AUB will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.28% on average per year.
The Revenue is expected to grow by 7.95% on average over the next years.

EPS Next Y11.92%

EPS Next 2Y10.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year15.26%

Revenue Next 2Y9.94%

Revenue Next 3Y7.95%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.66, the valuation of AUB can be described as reasonable.
Based on the Price/Earnings ratio, AUB is valued a bit cheaper than 62.40% of the companies in the same industry.
When comparing the Price/Earnings ratio of AUB to the average of the S&P500 Index (28.32), we can say AUB is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.42, the valuation of AUB can be described as very reasonable.
AUB's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of AUB to the average of the S&P500 Index (25.57), we can say AUB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.66
Fwd PE	10.42

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, AUB is valued cheaply inside the industry as 97.65% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	2.5
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.

PEG (NY)0.98

PEG (5Y)1.02

EPS Next 2Y10.28%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

AUB has a Yearly Dividend Yield of 3.78%.
AUB's Dividend Yield is rather good when compared to the industry average which is at 2.67. AUB pays more dividend than 81.20% of the companies in the same industry.
AUB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.

		Industry Rank	Sector Rank
Dividend Yield	3.78%

5.2 History

On average, the dividend of AUB grows each year by 6.99%, which is quite nice.
AUB has been paying a dividend for at least 10 years, so it has a reliable track record.
AUB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)6.99%

Div Incr Years14

Div Non Decr Years14

5.3 Sustainability

81.82% of the earnings are spent on dividend by AUB. This is not a sustainable payout ratio.
AUB's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP81.82%

EPS Next 2Y10.28%

EPS Next 3YN/A

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ATLANTIC UNION BANKSHARES CO / AUB FAQ

What is the fundamental rating for AUB stock?

ChartMill assigns a fundamental rating of 3 / 10 to AUB.

Can you provide the valuation status for ATLANTIC UNION BANKSHARES CO?

ChartMill assigns a valuation rating of 6 / 10 to ATLANTIC UNION BANKSHARES CO (AUB). This can be considered as Fairly Valued.

What is the profitability of AUB stock?

ATLANTIC UNION BANKSHARES CO (AUB) has a profitability rating of 2 / 10.

Can you provide the financial health for AUB stock?

The financial health rating of ATLANTIC UNION BANKSHARES CO (AUB) is 3 / 10.

What is the earnings growth outlook for ATLANTIC UNION BANKSHARES CO?

The Earnings per Share (EPS) of ATLANTIC UNION BANKSHARES CO (AUB) is expected to grow by 11.92% in the next year.