ATLANTIC UNION BANKSHARES CO (AUB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AUB - US04911A1079 - Common Stock
35.3 USD
-0.24 (-0.68%)
35.3 USD
0 (0%)
Taking everything into account, AUB scores 4 out of 10 in our fundamental rating. AUB was compared to 388 industry peers in the Banks industry. AUB has a bad profitability rating. Also its financial health evaluation is rather negative. AUB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! 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.
Each year in the past 5 years AUB had a positive operating cash flow.
1.2 Ratios
The Return On Assets of AUB (0.56%) is worse than 73.71% of its industry peers.
With a Return On Equity value of 4.22%, AUB is not doing good in the industry: 80.15% of the companies in the same industry are doing better.
| 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
AUB's Profit Margin of 17.22% is on the low side compared to the rest of the industry. AUB is outperformed by 71.91% of its industry peers.
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
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.
The number of shares outstanding for AUB has been increased compared to 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 0.39. This is a very positive value and a sign of high solvency as it would only need 0.39 years to pay back of all of its debts.
AUB's Debt to FCF ratio of 0.39 is amongst the best of the industry. AUB outperforms 82.47% of its industry peers.
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 47.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 0.39 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.84% over the past year.
Measured over the past 5 years, AUB shows a small growth in Earnings Per Share. The EPS has been growing by 0.29% on average per year.
AUB shows a strong growth in Revenue. In the last year, the Revenue has grown by 54.09%.
The Revenue has been growing slightly by 4.04% on average over the past years.
EPS 1Y (TTM)4.84%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%1.2%
Revenue 1Y (TTM)54.09%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%70.78%
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 13.12% on average per year.
Based on estimates for the next years, AUB will show a very strong growth in Revenue. The Revenue will grow by 25.23% on average per year.
EPS Next Y14.87%
EPS Next 2Y15.47%
EPS Next 3Y13.12%
EPS Next 5YN/A
Revenue Next Year62.56%
Revenue Next 2Y36.72%
Revenue Next 3Y25.23%
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
The Price/Earnings ratio is 11.65, which indicates a very decent valuation of AUB.
AUB's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of AUB to the average of the S&P500 Index (26.51), we can say AUB is valued rather cheaply.
The Price/Forward Earnings ratio is 9.52, which indicates a very decent valuation of AUB.
Based on the Price/Forward Earnings ratio, AUB is valued a bit cheaper than 64.18% of the companies in the same industry.
AUB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.65 | ||
| Fwd PE | 9.52 |
4.2 Price Multiples
97.68% of the companies in the same industry are more expensive than AUB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AUB's 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 13.12% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)40.13
EPS Next 2Y15.47%
EPS Next 3Y13.12%
5. Dividend
5.1 Amount
AUB has a Yearly Dividend Yield of 4.05%, which is a nice return.
AUB's Dividend Yield is rather good when compared to the industry average which is at 2.74. AUB pays more dividend than 83.25% of the companies in the same industry.
AUB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.05% |
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 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 2Y15.47%
EPS Next 3Y13.12%
35.3
-0.24 (-0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.72%
Inst Owner Change0.03%
Ins Owners0.77%
Ins Owner Change1.71%
Market Cap5.03B
Revenue(TTM)1.21B
Net Income(TTM)207.67M
Analysts83.08
Price Target43.29 (22.63%)
Short Float %5.23%
Short Ratio6.19
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.05% |
Yearly Dividend1.5
Dividend Growth(5Y)6.99%
DP81.82%
Div Incr Years14
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)16.09%
Min EPS beat(2)-0.84%
Max EPS beat(2)33.01%
EPS beat(4)1
Avg EPS beat(4)-0.47%
Min EPS beat(4)-19.76%
Max EPS beat(4)33.01%
EPS beat(8)3
Avg EPS beat(8)-1.52%
EPS beat(12)6
Avg EPS beat(12)-2.76%
EPS beat(16)7
Avg EPS beat(16)-2.79%
Revenue beat(2)1
Avg Revenue beat(2)2.46%
Min Revenue beat(2)-3.11%
Max Revenue beat(2)8.02%
Revenue beat(4)1
Avg Revenue beat(4)-0.58%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)8.02%
Revenue beat(8)2
Avg Revenue beat(8)-1.99%
Revenue beat(12)2
Avg Revenue beat(12)-2.98%
Revenue beat(16)4
Avg Revenue beat(16)-2.31%
PT rev (1m)5.65%
PT rev (3m)6.47%
EPS NQ rev (1m)-0.26%
EPS NQ rev (3m)-0.35%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)-2.62%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-1.06%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.65 | ||
| Fwd PE | 9.52 | ||
| P/S | 4.17 | ||
| P/FCF | 2.27 | ||
| P/OCF | 2.26 | ||
| P/B | 1.02 | ||
| P/tB | 1.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.03
EY8.58%
EPS(NY)3.71
Fwd EY10.5%
FCF(TTM)15.52
FCFY43.96%
OCF(TTM)15.59
OCFY44.15%
SpS8.46
BVpS34.5
TBVpS20.05
PEG (NY)0.78
PEG (5Y)40.13
Graham Number48.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 4.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.22% | ||
| GM | N/A | ||
| FCFM | 183.43% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 0.39 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 22.5% | ||
| Cap/Sales | 0.81% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1064.92% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC14.58%
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)4.84%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%1.2%
EPS Next Y14.87%
EPS Next 2Y15.47%
EPS Next 3Y13.12%
EPS Next 5YN/A
Revenue 1Y (TTM)54.09%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%70.78%
Revenue Next Year62.56%
Revenue Next 2Y36.72%
Revenue Next 3Y25.23%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year16.99%
EBIT Next 3Y30.3%
EBIT Next 5YN/A
FCF growth 1Y664.95%
FCF growth 3Y-2.86%
FCF growth 5Y10.97%
OCF growth 1Y658.86%
OCF growth 3Y-2.98%
OCF growth 5Y9.63%
ATLANTIC UNION BANKSHARES CO / AUB FAQ
What is the fundamental rating for AUB stock?
ChartMill assigns a fundamental rating of 4 / 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 14.87% in the next year.