ATLANTIC UNION BANKSHARES CO (AUB) Stock Fundamental Analysis
USA - NYSE:AUB - US04911A1079 - Common Stock
33.91 USD
+1 (+3.04%)
33.91 USD
0 (0%)
Taking everything into account, AUB scores 5 out of 10 in our fundamental rating. AUB was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of AUB have multiple concerns. AUB is growing strongly while it also seems undervalued. This is an interesting combination 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.
In the past 5 years AUB has always been profitable.
In the past 5 years AUB always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.51%, AUB is not doing good in the industry: 73.15% of the companies in the same industry are doing better.
AUB has a worse Return On Equity (3.97%) than 79.80% 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
AUB has a worse Profit Margin (18.25%) than 67.26% of 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) | 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.
The number of shares outstanding for AUB has been increased compared to 5 years ago.
The debt/assets ratio for AUB has been reduced compared to a year ago.
2.2 Solvency
AUB has a debt to FCF ratio of 0.42. This is a very positive value and a sign of high solvency as it would only need 0.42 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.42, AUB belongs to the best of the industry, outperforming 82.86% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that AUB is not too dependend on debt financing.
AUB's Debt to Equity ratio of 0.19 is in line compared to the rest of the industry. AUB outperforms 45.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.62%
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 5.59% over the past 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 41.34%.
AUB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.04% yearly.
EPS 1Y (TTM)5.59%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%50.79%
Revenue 1Y (TTM)41.34%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%93.38%
3.2 Future
The Earnings Per Share is expected to grow by 13.83% on average over the next years. This is quite good.
AUB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 24.72% yearly.
EPS Next Y17.95%
EPS Next 2Y17.11%
EPS Next 3Y13.83%
EPS Next 5YN/A
Revenue Next Year63.15%
Revenue Next 2Y36.8%
Revenue Next 3Y24.72%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 11.23, the valuation of AUB can be described as reasonable.
Based on the Price/Earnings ratio, AUB is valued a bit cheaper than 60.87% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.40. AUB is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 8.89 indicates a reasonable valuation of AUB.
Based on the Price/Forward Earnings ratio, AUB is valued a bit cheaper than the industry average as 66.50% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of AUB to the average of the S&P500 Index (22.94), we can say AUB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.23 | ||
| Fwd PE | 8.89 |
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 98.21% of the companies listed in the same industry.
| 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 13.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.63
PEG (5Y)38.68
EPS Next 2Y17.11%
EPS Next 3Y13.83%
5. Dividend
5.1 Amount
AUB has a Yearly Dividend Yield of 6.99%, which is a nice return.
Compared to an average industry Dividend Yield of 3.56, AUB pays a better dividend. On top of this AUB pays more dividend than 94.63% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, AUB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.99% |
5.2 History
On average, the dividend of AUB grows each year by 6.99%, which is quite nice.
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
78.23% 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.
DP78.23%
EPS Next 2Y17.11%
EPS Next 3Y13.83%
33.91
+1 (+3.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners83.62%
Inst Owner Change0%
Ins Owners0.77%
Ins Owner Change1.69%
Market Cap4.83B
Analysts81.67
Price Target42.2 (24.45%)
Short Float %4.83%
Short Ratio6.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.99% |
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)6.09%
PT rev (3m)8.47%
EPS NQ rev (1m)-0.44%
EPS NQ rev (3m)-0.31%
EPS NY rev (1m)0.41%
EPS NY rev (3m)7.57%
Revenue NQ rev (1m)0.37%
Revenue NQ rev (3m)0.46%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.23 | ||
| Fwd PE | 8.89 | ||
| P/S | 4.59 | ||
| P/FCF | 2.27 | ||
| P/OCF | 2.27 | ||
| P/B | 1 | ||
| P/tB | 1.74 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.02
EY8.91%
EPS(NY)3.81
Fwd EY11.24%
FCF(TTM)14.93
FCFY44.01%
OCF(TTM)14.96
OCFY44.11%
SpS7.38
BVpS33.91
TBVpS19.44
PEG (NY)0.63
PEG (5Y)38.68
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
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-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
WACC14.62%
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 Y17.95%
EPS Next 2Y17.11%
EPS Next 3Y13.83%
EPS Next 5YN/A
Revenue 1Y (TTM)41.34%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%93.38%
Revenue Next Year63.15%
Revenue Next 2Y36.8%
Revenue Next 3Y24.72%
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%