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 405 industry peers in the Banks industry. AUB has a bad profitability rating. Also its financial health evaluation is rather negative. AUB has a correct valuation and a medium growth rate. Finally AUB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
AUB had positive earnings in the past year.
In the past year AUB had a positive cash flow from operations.
Of the past 5 years AUB 4 years were profitable.
Of the past 5 years AUB 4 years had a positive operating cash flow.
1.2 Ratios
AUB has a Return On Assets (0.79%) which is in line with its industry peers.
With a Return On Equity value of 6.17%, AUB is not doing good in the industry: 67.17% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 6.17% | ||
| ROIC | N/A |
ROA(3y)1.08%
ROA(5y)1.02%
ROE(3y)8.7%
ROE(5y)7.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
AUB's Profit Margin of 25.10% is fine compared to the rest of the industry. AUB outperforms 63.16% of its industry peers.
AUB's Profit Margin has been stable 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) | 25.1% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.79%
PM growth 5Y-0.35%
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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
AUB has a debt to FCF ratio of 1.93. This is a very positive value and a sign of high solvency as it would only need 1.93 years to pay back of all of its debts.
AUB's Debt to FCF ratio of 1.93 is fine compared to the rest of the industry. AUB outperforms 61.40% of its industry peers.
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 the better half of the industry, outperforming 62.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.99%
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 0.72% over the past year.
The Earnings Per Share has been growing slightly by 0.29% on average over the past years.
EPS 1Y (TTM)0.72%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%-14.1%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%19.06%
3.2 Future
The Earnings Per Share is expected to grow by 22.23% on average over the next years. This is a very strong growth
AUB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 38.09% yearly.
EPS Next Y20.98%
EPS Next 2Y22.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year62.91%
Revenue Next 2Y38.09%
Revenue Next 3YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
AUB is valuated correctly with a Price/Earnings ratio of 12.68.
Compared to the rest of the industry, the Price/Earnings ratio of AUB is on the same level as its industry peers.
AUB is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
AUB is valuated reasonably with a Price/Forward Earnings ratio of 10.48.
65.66% of the companies in the same industry are more expensive than AUB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.68. AUB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.68 | ||
| Fwd PE | 10.48 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as AUB.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.63 | ||
| 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 22.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)43.69
EPS Next 2Y22.23%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AUB has a Yearly Dividend Yield of 3.70%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.18, AUB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.27, AUB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.7% |
5.2 History
The dividend of AUB has a limited annual growth rate of 5.48%.
AUB has paid a dividend for at least 10 years, which is a reliable track record.
AUB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.48%
Div Incr Years14
Div Non Decr Years14
5.3 Sustainability
59.76% of the earnings are spent on dividend by AUB. This is a bit on the high side, but may be sustainable.
The dividend of AUB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP59.76%
EPS Next 2Y22.23%
EPS Next 3YN/A
35.26
-1.5 (-4.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.77%
Inst Owner Change-89.06%
Ins Owners0.96%
Ins Owner Change2.57%
Market Cap3.17B
Analysts80
Price Target47.53 (34.8%)
Short Float %6.77%
Short Ratio6.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.7% |
Yearly Dividend1.38
Dividend Growth(5Y)5.48%
DP59.76%
Div Incr Years14
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.85%
Min EPS beat(2)-2.54%
Max EPS beat(2)0.83%
EPS beat(4)2
Avg EPS beat(4)-2.58%
Min EPS beat(4)-11.23%
Max EPS beat(4)2.63%
EPS beat(8)5
Avg EPS beat(8)-3.91%
EPS beat(12)6
Avg EPS beat(12)-3.56%
EPS beat(16)9
Avg EPS beat(16)0.77%
Revenue beat(2)0
Avg Revenue beat(2)-4.66%
Min Revenue beat(2)-4.81%
Max Revenue beat(2)-4.51%
Revenue beat(4)1
Avg Revenue beat(4)-3.41%
Min Revenue beat(4)-5.64%
Max Revenue beat(4)1.34%
Revenue beat(8)1
Avg Revenue beat(8)-4.18%
Revenue beat(12)3
Avg Revenue beat(12)-2.89%
Revenue beat(16)4
Avg Revenue beat(16)-2.6%
PT rev (1m)1.3%
PT rev (3m)7.75%
EPS NQ rev (1m)-1.4%
EPS NQ rev (3m)-1.4%
EPS NY rev (1m)-1.21%
EPS NY rev (3m)-1.21%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)-0.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.68 | ||
| Fwd PE | 10.48 | ||
| P/S | 4.05 | ||
| P/FCF | 12.63 | ||
| P/OCF | 12.24 | ||
| P/B | 0.99 | ||
| P/tB | 1.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.78
EY7.88%
EPS(NY)3.36
Fwd EY9.54%
FCF(TTM)2.79
FCFY7.92%
OCF(TTM)2.88
OCFY8.17%
SpS8.72
BVpS35.45
TBVpS20.94
PEG (NY)0.6
PEG (5Y)43.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 6.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.1% | ||
| GM | N/A | ||
| FCFM | 32.04% |
ROA(3y)1.08%
ROA(5y)1.02%
ROE(3y)8.7%
ROE(5y)7.89%
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 3Y6.79%
PM growth 5Y-0.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.93 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 19.88% | ||
| Cap/Sales | 1% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 127.65% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC11.99%
ROIC/WACCN/A
Cap/Depr(3y)12.46%
Cap/Depr(5y)29.18%
Cap/Sales(3y)0.84%
Cap/Sales(5y)1.84%
Profit Quality(3y)148.93%
Profit Quality(5y)134.36%
High Growth Momentum
Growth
EPS 1Y (TTM)0.72%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%-14.1%
EPS Next Y20.98%
EPS Next 2Y22.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%19.06%
Revenue Next Year62.91%
Revenue Next 2Y38.09%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 1Y-40.51%
FCF growth 3Y8.57%
FCF growth 5Y3.61%
OCF growth 1Y-39.13%
OCF growth 3Y4.41%
OCF growth 5Y4.02%