ATLANTIC UNION BANKSHARES CO (AUB) Stock Fundamental Analysis
USA - NYSE:AUB - US04911A1079 - Common Stock
32.73 USD
+0.02 (+0.06%)
32.73 USD
0 (0%)
Overall AUB gets a fundamental rating of 4 out of 10. We evaluated AUB against 388 industry peers in the Banks industry. AUB may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on AUB. 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.
In the past 5 years AUB always reported a positive cash flow from operatings.
1.2 Ratios
AUB has a worse Return On Assets (0.51%) than 75.26% of its industry peers.
The Return On Equity of AUB (3.97%) is worse than 80.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 3.97% | ||
| 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
Looking at the Profit Margin, with a value of 18.25%, AUB is doing worse than 69.59% 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) | 18.25% | ||
| 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.
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 0.42, which is an excellent value as it means it would take AUB, only 0.42 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of AUB (0.42) is better than 82.73% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that AUB is not too dependend on debt financing.
AUB has a Debt to Equity ratio (0.19) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.87%
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.
Looking at the last year, AUB shows a quite strong growth in Revenue. The Revenue has grown by 16.46% in the last year.
AUB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.04% yearly.
EPS 1Y (TTM)4.84%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%1.2%
Revenue 1Y (TTM)16.46%
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 13.05% on average per year.
AUB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 25.07% yearly.
EPS Next Y15.17%
EPS Next 2Y15.98%
EPS Next 3Y13.05%
EPS Next 5YN/A
Revenue Next Year62.68%
Revenue Next 2Y36.24%
Revenue Next 3Y25.07%
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
Based on the Price/Earnings ratio of 10.80, the valuation of AUB can be described as reasonable.
Based on the Price/Earnings ratio, AUB is valued a bit cheaper than 63.66% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.91, AUB is valued rather cheaply.
A Price/Forward Earnings ratio of 8.75 indicates a reasonable valuation of AUB.
AUB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AUB is cheaper than 69.85% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of AUB to the average of the S&P500 Index (34.57), we can say AUB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | 8.75 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AUB indicates a rather cheap valuation: AUB is cheaper than 98.45% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.19 | ||
| 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 13.05% in the coming years.
PEG (NY)0.71
PEG (5Y)37.21
EPS Next 2Y15.98%
EPS Next 3Y13.05%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.57%, AUB is a good candidate for dividend investing.
AUB's Dividend Yield is rather good when compared to the industry average which is at 3.38. AUB pays more dividend than 84.79% 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 | 4.57% |
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
AUB pays out 78.23% 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.
DP78.23%
EPS Next 2Y15.98%
EPS Next 3Y13.05%
32.73
+0.02 (+0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners83.62%
Inst Owner Change2.18%
Ins Owners0.77%
Ins Owner Change1.69%
Market Cap4.66B
Revenue(TTM)817.42M
Net Income(TTM)191.94M
Analysts83.08
Price Target41.08 (25.51%)
Short Float %5.28%
Short Ratio7.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.57% |
Yearly Dividend1.5
Dividend Growth(5Y)6.99%
DP78.23%
Div Incr Years14
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.63%
Min EPS beat(2)-19.76%
Max EPS beat(2)33.01%
EPS beat(4)2
Avg EPS beat(4)-0.05%
Min EPS beat(4)-19.76%
Max EPS beat(4)33.01%
EPS beat(8)4
Avg EPS beat(8)-0.57%
EPS beat(12)6
Avg EPS beat(12)-2.99%
EPS beat(16)8
Avg EPS beat(16)-1.5%
Revenue beat(2)1
Avg Revenue beat(2)1.72%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)8.02%
Revenue beat(4)1
Avg Revenue beat(4)-1%
Min Revenue beat(4)-4.81%
Max Revenue beat(4)8.02%
Revenue beat(8)2
Avg Revenue beat(8)-1.82%
Revenue beat(12)2
Avg Revenue beat(12)-2.95%
Revenue beat(16)4
Avg Revenue beat(16)-2.22%
PT rev (1m)-2.65%
PT rev (3m)3.66%
EPS NQ rev (1m)-0.89%
EPS NQ rev (3m)-2.15%
EPS NY rev (1m)-2.36%
EPS NY rev (3m)5.03%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)-0.29%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | 8.75 | ||
| P/S | 4.43 | ||
| P/FCF | 2.19 | ||
| P/OCF | 2.19 | ||
| P/B | 0.97 | ||
| P/tB | 1.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.03
EY9.26%
EPS(NY)3.74
Fwd EY11.42%
FCF(TTM)14.93
FCFY45.6%
OCF(TTM)14.96
OCFY45.7%
SpS7.38
BVpS33.91
TBVpS19.44
PEG (NY)0.71
PEG (5Y)37.21
Graham Number48.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 3.97% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 18.25% | ||
| GM | N/A | ||
| FCFM | 202.2% |
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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.42 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 12.3% | ||
| Cap/Sales | 0.45% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1108.14% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC14.87%
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 Y15.17%
EPS Next 2Y15.98%
EPS Next 3Y13.05%
EPS Next 5YN/A
Revenue 1Y (TTM)16.46%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%70.78%
Revenue Next Year62.68%
Revenue Next 2Y36.24%
Revenue Next 3Y25.07%
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 1Y543.56%
FCF growth 3Y-2.86%
FCF growth 5Y10.97%
OCF growth 1Y536.92%
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.
What is the valuation status for AUB stock?
ChartMill assigns a valuation rating of 7 / 10 to ATLANTIC UNION BANKSHARES CO (AUB). This can be considered as Undervalued.
What is the profitability of AUB stock?
ATLANTIC UNION BANKSHARES CO (AUB) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for AUB stock?
The Price/Earnings (PE) ratio for ATLANTIC UNION BANKSHARES CO (AUB) is 10.8 and the Price/Book (PB) ratio is 0.97.
Can you provide the expected EPS growth for AUB stock?
The Earnings per Share (EPS) of ATLANTIC UNION BANKSHARES CO (AUB) is expected to grow by 15.17% in the next year.