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. Both the profitability and financial health of AUB have multiple concerns. AUB is not valued too expensively and it also shows a decent growth rate. 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
Looking at the Return On Assets, with a value of 0.80%, AUB is in line with its industry, outperforming 46.95% of the companies in the same industry.
AUB's Return On Equity of 6.19% is on the low side compared to the rest of the industry. AUB is outperformed by 69.04% 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
Looking at the Profit Margin, with a value of 23.01%, AUB is in line with its industry, outperforming 46.45% of the companies in the same industry.
In the last couple of years the Profit Margin of AUB has declined.
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.
The number of shares outstanding for AUB has been increased compared to 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
AUB has a debt to FCF ratio of 1.57. This is a very positive value and a sign of high solvency as it would only need 1.57 years to pay back of all of its debts.
AUB has a Debt to FCF ratio (1.57) which is in line with its industry peers.
A Debt/Equity ratio of 0.15 indicates that AUB is not too dependend on debt financing.
AUB has a Debt to Equity ratio (0.15) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.1%
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.
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 very strong growth in Revenue. The Revenue has grown by 20.39%.
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)-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
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.
AUB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.85% yearly.
EPS Next Y9.66%
EPS Next 2Y17.74%
EPS Next 3Y13.36%
EPS Next 5YN/A
Revenue Next Year60.31%
Revenue Next 2Y36.28%
Revenue Next 3Y23.85%
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
A Price/Earnings ratio of 12.30 indicates a correct valuation of AUB.
AUB's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.50. AUB is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.62, which indicates a very decent valuation of AUB.
75.89% of the companies in the same industry are more expensive than AUB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, AUB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | 8.62 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AUB is valued a bit more expensive than the industry average as 60.15% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.48 | ||
| 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.
AUB's earnings are expected to grow with 13.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.27
PEG (5Y)42.39
EPS Next 2Y17.74%
EPS Next 3Y13.36%
5. Dividend
5.1 Amount
AUB has a Yearly Dividend Yield of 4.04%, which is a nice return.
Compared to an average industry Dividend Yield of 3.31, AUB pays a bit more dividend than its industry peers.
AUB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.04% |
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 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 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%
33.22
-0.18 (-0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.6%
Inst Owner Change-0.02%
Ins Owners0.75%
Ins Owner Change15.75%
Market Cap4.73B
Analysts81.82
Price Target38.91 (17.13%)
Short Float %5.36%
Short Ratio5.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.04% |
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)1.14%
PT rev (3m)-14.48%
EPS NQ rev (1m)-2.76%
EPS NQ rev (3m)0.2%
EPS NY rev (1m)-0.43%
EPS NY rev (3m)-8.2%
Revenue NQ rev (1m)-0.43%
Revenue NQ rev (3m)0.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | 8.62 | ||
| P/S | 5.52 | ||
| P/FCF | 15.48 | ||
| P/OCF | 15.1 | ||
| P/B | 1.49 | ||
| P/tB | 2.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY8.13%
EPS(NY)3.85
Fwd EY11.6%
FCF(TTM)2.15
FCFY6.46%
OCF(TTM)2.2
OCFY6.62%
SpS6.02
BVpS22.36
TBVpS13.28
PEG (NY)1.27
PEG (5Y)42.39
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
WACC15.1%
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 Y9.66%
EPS Next 2Y17.74%
EPS Next 3Y13.36%
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 3Y23.85%
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%