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ATLANTIC CAPITAL BANCSHARES (ACBI) Stock Fundamental Analysis

NASDAQ:ACBI - Nasdaq - Common Stock

32.34  -0.03 (-0.09%)

After market: 32.34 0 (0%)

Fundamental Rating

2

Overall ACBI gets a fundamental rating of 2 out of 10. We evaluated ACBI against 405 industry peers in the Banks industry. Both the profitability and financial health of ACBI have multiple concerns. While showing a medium growth rate, ACBI is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

ACBI had positive earnings in the past year.
ACBI Yearly Net Income VS EBIT VS OCF VS FCFACBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 20M 40M 60M 80M 100M

1.2 Ratios

Industry RankSector Rank
ROA 1.31%
ROE 13.42%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ACBI Yearly ROA, ROE, ROICACBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 0 5 10 15

1.3 Margins

The Operating Margin and Gross Margin are not available for ACBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 43.47%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ACBI Yearly Profit, Operating, Gross MarginsACBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 0 10 20 30 40 50

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for ACBI has been reduced compared to 1 year ago.
ACBI has a better debt/assets ratio than last year.
ACBI Yearly Shares OutstandingACBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M 25M
ACBI Yearly Total Debt VS Total AssetsACBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 1B 2B 3B

2.2 Solvency

ACBI has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ACBI Yearly LT Debt VS Equity VS FCFACBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. Growth

3.1 Past

ACBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 128.97%, which is quite impressive.
The Earnings Per Share has been growing by 35.32% on average over the past years. This is a very strong growth
The Revenue has grown by 18.62% in the past year. This is quite good.
Measured over the past years, ACBI shows a quite strong growth in Revenue. The Revenue has been growing by 11.92% on average per year.
EPS 1Y (TTM)128.97%
EPS 3Y35.26%
EPS 5Y35.32%
EPS Q2Q%18.75%
Revenue 1Y (TTM)18.62%
Revenue growth 3Y10.16%
Revenue growth 5Y11.92%
Sales Q2Q%16.24%

3.2 Future

Based on estimates for the next years, ACBI will show a decrease in Earnings Per Share. The EPS will decrease by -1.98% on average per year.
The Revenue is expected to grow by 6.73% on average over the next years.
EPS Next Y-18.4%
EPS Next 2Y-3.21%
EPS Next 3Y-2.72%
EPS Next 5Y-1.98%
Revenue Next Year4.13%
Revenue Next 2Y7.23%
Revenue Next 3Y6.54%
Revenue Next 5Y6.73%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.
ACBI Yearly Revenue VS EstimatesACBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
ACBI Yearly EPS VS EstimatesACBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.20, the valuation of ACBI can be described as correct.
The average S&P500 Price/Earnings ratio is at 29.62. ACBI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 16.18, the valuation of ACBI can be described as correct.
When comparing the Price/Forward Earnings ratio of ACBI to the average of the S&P500 Index (22.70), we can say ACBI is valued slightly cheaper.
Industry RankSector Rank
PE 13.2
Fwd PE 16.18
ACBI Price Earnings VS Forward Price EarningsACBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ACBI Per share dataACBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

ACBI's earnings are expected to decrease with -2.72% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.37
EPS Next 2Y-3.21%
EPS Next 3Y-2.72%

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0

5. Dividend

5.1 Amount

No dividends for ACBI!.
Industry RankSector Rank
Dividend Yield N/A

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ATLANTIC CAPITAL BANCSHARES

NASDAQ:ACBI (2/28/2022, 8:00:00 PM)

After market: 32.34 0 (0%)

32.34

-0.03 (-0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-24 2022-01-24
Earnings (Next)04-20 2022-04-20
Inst Owners0.07%
Inst Owner Change0%
Ins Owners0.86%
Ins Owner Change0%
Market Cap656.50M
Analysts84.44
Price Target29.71 (-8.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.2
Fwd PE 16.18
P/S 5.69
P/FCF N/A
P/OCF N/A
P/B 1.76
P/tB N/A
EV/EBITDA N/A
EPS(TTM)2.45
EY7.58%
EPS(NY)2
Fwd EY6.18%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.68
BVpS18.4
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.37
Profitability
Industry RankSector Rank
ROA 1.31%
ROE 13.42%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 43.47%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)128.97%
EPS 3Y35.26%
EPS 5Y35.32%
EPS Q2Q%18.75%
EPS Next Y-18.4%
EPS Next 2Y-3.21%
EPS Next 3Y-2.72%
EPS Next 5Y-1.98%
Revenue 1Y (TTM)18.62%
Revenue growth 3Y10.16%
Revenue growth 5Y11.92%
Sales Q2Q%16.24%
Revenue Next Year4.13%
Revenue Next 2Y7.23%
Revenue Next 3Y6.54%
Revenue Next 5Y6.73%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A