ATLANTIC UNION BANKSHARES CO (AUB)
US04911A1079 - Common Stock
AUB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. AUB may be in some trouble as it scores bad on both profitability and health. AUB has a correct valuation and a medium growth rate. Finally AUB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year AUB was profitable.
In the past year AUB had a positive cash flow from operations.
AUB had positive earnings in each of the past 5 years.
AUB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
AUB's Return On Assets of 0.90% is in line compared to the rest of the industry. AUB outperforms 52.55% of its industry peers.
The Return On Equity of AUB (7.43%) is worse than 64.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 7.43% | ||
| ROIC | N/A |
ROA(3y)1.08%
ROA(5y)1.02%
ROE(3y)8.7%
ROE(5y)7.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
AUB's Profit Margin of 27.08% is fine compared to the rest of the industry. AUB outperforms 65.94% of its industry peers.
AUB's Profit Margin has been stable 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) | 27.08% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.79%
PM growth 5Y-0.35%
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 about the same amout of shares outstanding than it did 1 year ago.
AUB has more shares outstanding than it did 5 years ago.
AUB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of AUB is 5.09, which is a neutral value as it means it would take AUB, 5.09 years of fcf income to pay off all of its debts.
AUB has a Debt to FCF ratio of 5.09. This is in the lower half of the industry: AUB underperforms 68.13% of its industry peers.
A Debt/Equity ratio of 0.52 indicates that AUB is somewhat dependend on debt financing.
The Debt to Equity ratio of AUB (0.52) is worse than 70.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.09 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AUB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.07%.
AUB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.16% yearly.
AUB shows a decrease in Revenue. In the last year, the revenue decreased by -0.14%.
AUB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.74% yearly.
EPS 1Y (TTM)-7.07%
EPS 3Y12.47%
EPS 5Y2.16%
EPS growth Q2Q-13.33%
Revenue 1Y (TTM)-0.14%
Revenue growth 3Y0.73%
Revenue growth 5Y5.74%
Revenue growth Q2Q-2.55%
3.2 Future
The Earnings Per Share is expected to grow by 12.08% on average over the next years. This is quite good.
AUB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.73% yearly.
EPS Next Y16.92%
EPS Next 2Y12.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.07%
Revenue Next 2Y14.73%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.70 indicates a reasonable valuation of AUB.
66.42% of the companies in the same industry are cheaper than AUB, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 24.92, AUB is valued rather cheaply.
A Price/Forward Earnings ratio of 10.00 indicates a reasonable valuation of AUB.
The rest of the industry has a similar Price/Forward Earnings ratio as AUB.
The average S&P500 Price/Forward Earnings ratio is at 21.49. AUB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.7 | ||
| Fwd PE | 10 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AUB is valued a bit more expensive than 63.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.2 | ||
| 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.
A more expensive valuation may be justified as AUB's earnings are expected to grow with 12.08% in the coming years.
PEG (NY)0.69
PEG (5Y)5.41
EPS Next 2Y12.08%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AUB has a Yearly Dividend Yield of 3.87%.
AUB's Dividend Yield is comparable with the industry average which is at 3.81.
Compared to an average S&P500 Dividend Yield of 2.43, AUB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.87% |
5.2 History
The dividend of AUB has a limited annual growth rate of 5.48%.
AUB has been paying a dividend for at least 10 years, so it has a reliable track record.
AUB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.48%
Div Incr Years13
Div Non Decr Years13
5.3 Sustainability
AUB pays out 54.35% of its income as dividend. This is a bit on the high side, but may be sustainable.
AUB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP54.35%
EPS Next 2Y12.08%
EPS Next 3YN/A
ATLANTIC UNION BANKSHARES CO
NYSE:AUB (4/26/2024, 7:04:01 PM)
After market: 32.28 0 (0%)32.28
-0.2 (-0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.90B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.87% |
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)
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Min EPS beat(4)
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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)
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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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.7 | ||
| Fwd PE | 10 | ||
| 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)0.69
PEG (5Y)5.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 7.43% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 27.08% | ||
| 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| 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)-7.07%
EPS 3Y12.47%
EPS 5Y
EPS growth Q2Q
EPS Next Y16.92%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-0.14%
Revenue growth 3Y0.73%
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