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 394 industry peers in the Banks industry. AUB has a bad profitability rating. Also its financial health evaluation is rather negative. AUB has a decent growth rate and is not valued too expensively. 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.
AUB had positive earnings in each of the past 5 years.
In the past 5 years AUB always reported a positive cash flow from operatings.
1.2 Ratios
AUB has a Return On Assets (0.80%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 6.19%, AUB is doing worse than 68.45% of the companies in the same industry.
| 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
With a Profit Margin value of 23.01%, AUB perfoms like the industry average, outperforming 47.58% of the companies in the same 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) | 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.
The number of shares outstanding for AUB has been increased compared to 5 years ago.
AUB has a better debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 1.57, AUB is in line with its industry, outperforming 59.29% of the companies in the same industry.
AUB has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.15, AUB is in line with its industry, outperforming 55.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.98%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AUB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.59%.
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 quite strong growth in Revenue. The Revenue has grown by 16.46% in the last year.
Measured over the past years, AUB shows a small growth in Revenue. The Revenue has been growing by 4.04% on average per year.
EPS 1Y (TTM)5.59%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%50.79%
Revenue 1Y (TTM)16.46%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%93.38%
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 13.36% 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 24.01% on average per year.
EPS Next Y9.66%
EPS Next 2Y17.74%
EPS Next 3Y13.36%
EPS Next 5YN/A
Revenue Next Year61.85%
Revenue Next 2Y36.41%
Revenue Next 3Y24.01%
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 11.13 indicates a reasonable valuation of AUB.
Compared to the rest of the industry, the Price/Earnings ratio of AUB indicates a somewhat cheap valuation: AUB is cheaper than 64.38% of the companies listed in the same industry.
AUB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.87.
AUB is valuated reasonably with a Price/Forward Earnings ratio of 8.72.
AUB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AUB is cheaper than 73.79% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.34, AUB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 8.72 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AUB indicates a slightly more expensive valuation: AUB is more expensive than 60.31% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.57 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 13.36% in the coming years.
PEG (NY)1.15
PEG (5Y)38.33
EPS Next 2Y17.74%
EPS Next 3Y13.36%
5. Dividend
5.1 Amount
AUB has a Yearly Dividend Yield of 6.87%, which is a nice return.
AUB's Dividend Yield is rather good when compared to the industry average which is at 3.43. AUB pays more dividend than 95.67% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, AUB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.87% |
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.
AUB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP66.08%
EPS Next 2Y17.74%
EPS Next 3Y13.36%
33.6
-0.6 (-1.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.15%
Inst Owner Change29.41%
Ins Owners0.76%
Ins Owner Change15.1%
Market Cap4.76B
Analysts81.82
Price Target39.63 (17.95%)
Short Float %4.8%
Short Ratio4.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.87% |
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)1.87%
PT rev (3m)2.71%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)2.41%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.43%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.39%
Revenue NY rev (1m)0.96%
Revenue NY rev (3m)0.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 8.72 | ||
| P/S | 5.55 | ||
| P/FCF | 15.57 | ||
| P/OCF | 15.19 | ||
| P/B | 1.49 | ||
| P/tB | 2.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.02
EY8.99%
EPS(NY)3.85
Fwd EY11.47%
FCF(TTM)2.16
FCFY6.42%
OCF(TTM)2.21
OCFY6.58%
SpS6.05
BVpS22.48
TBVpS13.35
PEG (NY)1.15
PEG (5Y)38.33
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
WACC14.98%
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)5.59%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%50.79%
EPS Next Y9.66%
EPS Next 2Y17.74%
EPS Next 3Y13.36%
EPS Next 5YN/A
Revenue 1Y (TTM)16.46%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%93.38%
Revenue Next Year61.85%
Revenue Next 2Y36.41%
Revenue Next 3Y24.01%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year5.94%
EBIT Next 3Y29.96%
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%