ATLANTIC UNION BANKSHARES CO (AUB) Stock Fundamental Analysis
NYSE:AUB - New York Stock Exchange, Inc. - US04911A1079 - Common Stock - Currency: USD
Taking everything into account, AUB scores 4 out of 10 in our fundamental rating. AUB was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of AUB have multiple concerns. AUB has a decent growth rate and is not valued too expensively. Finally AUB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year AUB was profitable.
AUB had a positive operating cash flow in the past year.
Each year in the past 5 years AUB has 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 of 0.80%. This is comparable to the rest of the industry: AUB outperforms 46.97% of its industry peers.
The Return On Equity of AUB (6.19%) is worse than 69.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 6.19% | ||
| 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 has a Profit Margin (23.01%) which is in line with its industry peers.
AUB's Profit Margin has declined in the last couple of years.
AUB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.01% | ||
| 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.
Compared to 5 years ago, AUB has more shares outstanding
The debt/assets ratio for AUB has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of AUB is 1.57, which is an excellent value as it means it would take AUB, only 1.57 years of fcf income to pay off all of its debts.
AUB's Debt to FCF ratio of 1.57 is in line compared to the rest of the industry. AUB outperforms 56.82% of its industry peers.
AUB has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of AUB (0.15) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.47%
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.
The Earnings Per Share has been growing slightly by 0.29% on average over the past years.
Looking at the last year, AUB shows a very strong growth in Revenue. The Revenue has grown by 20.39%.
The Revenue has been growing slightly by 4.04% on average over the past years.
EPS 1Y (TTM)-9.09%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%-12.31%
Revenue 1Y (TTM)20.39%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%23.04%
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 13.08% yearly.
The Revenue is expected to grow by 23.93% on average over the next years. This is a very strong growth
EPS Next Y10.13%
EPS Next 2Y18.04%
EPS Next 3Y13.08%
EPS Next 5YN/A
Revenue Next Year60.31%
Revenue Next 2Y36.28%
Revenue Next 3Y23.93%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.39 indicates a reasonable valuation of AUB.
AUB's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.31, AUB is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.94, the valuation of AUB can be described as very cheap.
Based on the Price/Forward Earnings ratio, AUB is valued a bit cheaper than 76.26% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.13. AUB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.39 | ||
| Fwd PE | 7.94 |
4.2 Price Multiples
AUB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AUB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as AUB's earnings are expected to grow with 13.08% in the coming years.
PEG (NY)1.12
PEG (5Y)39.23
EPS Next 2Y18.04%
EPS Next 3Y13.08%
5. Dividend
5.1 Amount
AUB has a Yearly Dividend Yield of 7.24%, which is a nice return.
Compared to an average industry Dividend Yield of 3.51, AUB pays a better dividend. On top of this AUB pays more dividend than 81.82% of the companies listed in the same industry.
AUB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.24% |
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 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 66.08% of its income as dividend. This is not a sustainable payout ratio.
The dividend of AUB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP66.08%
EPS Next 2Y18.04%
EPS Next 3Y13.08%
30.75
-0.77 (-2.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.6%
Inst Owner Change8.45%
Ins Owners0.75%
Ins Owner Change15.92%
Market Cap4.38B
Analysts80
Price Target38.47 (25.11%)
Short Float %3.91%
Short Ratio2.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.24% |
Yearly Dividend1.5
Dividend Growth(5Y)6.99%
DP66.08%
Div Incr Years14
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-17.03%
Min EPS beat(2)-19.76%
Max EPS beat(2)-14.29%
EPS beat(4)1
Avg EPS beat(4)-8.94%
Min EPS beat(4)-19.76%
Max EPS beat(4)0.83%
EPS beat(8)4
Avg EPS beat(8)-3.53%
EPS beat(12)6
Avg EPS beat(12)-4.94%
EPS beat(16)8
Avg EPS beat(16)-1.15%
Revenue beat(2)0
Avg Revenue beat(2)-3.61%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)-2.65%
Revenue beat(4)0
Avg Revenue beat(4)-4.14%
Min Revenue beat(4)-4.81%
Max Revenue beat(4)-2.65%
Revenue beat(8)1
Avg Revenue beat(8)-3.06%
Revenue beat(12)2
Avg Revenue beat(12)-3.49%
Revenue beat(16)3
Avg Revenue beat(16)-2.88%
PT rev (1m)-7.64%
PT rev (3m)-19.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.45%
EPS NY rev (1m)-8.23%
EPS NY rev (3m)-8.97%
Revenue NQ rev (1m)0.51%
Revenue NQ rev (3m)2.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.39 | ||
| Fwd PE | 7.94 | ||
| P/S | 5.11 | ||
| P/FCF | 14.33 | ||
| P/OCF | 13.98 | ||
| P/B | 1.38 | ||
| P/tB | 2.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY8.78%
EPS(NY)3.87
Fwd EY12.6%
FCF(TTM)2.15
FCFY6.98%
OCF(TTM)2.2
OCFY7.16%
SpS6.02
BVpS22.36
TBVpS13.28
PEG (NY)1.12
PEG (5Y)39.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 6.19% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.01% | ||
| GM | N/A | ||
| FCFM | 35.67% |
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 | 1.57 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 21.82% | ||
| Cap/Sales | 0.89% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 154.99% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.47%
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 Y10.13%
EPS Next 2Y18.04%
EPS Next 3Y13.08%
EPS Next 5YN/A
Revenue 1Y (TTM)20.39%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%23.04%
Revenue Next Year60.31%
Revenue Next 2Y36.28%
Revenue Next 3Y23.93%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-4.96%
EBIT Next 3Y30.21%
EBIT Next 5YN/A
FCF growth 1Y-12.25%
FCF growth 3Y-2.86%
FCF growth 5Y10.97%
OCF growth 1Y-10.99%
OCF growth 3Y-2.98%
OCF growth 5Y9.63%