NYSE
AUB
Last Price
US $43.19
KEY FIGURES
MKT CAP
$6.0B
EPS
TTM
$2.44
PEG
TTM
0.57x
P/E
TTM
14.95x
P/S
TTM
3.47x
YIELD
3.46%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Atlantic Union Bankshares Corporation cash flow to debt ratio of 6.53% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
Atlantic Union Bankshares Corporation's free cash flow has decreased -71.62% from $301.06M last year to $85.44M, signaling decreasing performance
Financial stability - Healthy debt to equity ratio.
Atlantic Union Bankshares Corporation's debt to equity ratio is 0.26, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
Atlantic Union Bankshares Corporation's debt has increased relative to shareholder equity from 0.17 last year to 0.26 today, signaling weakened financials
Financial risk - Net debt/EBITDA.
Atlantic Union Bankshares Corporation has a net debt to EBITDA ratio of 3.56x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Atlantic Union Bankshares Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Atlantic Union Bankshares Corporation's profit margin has increased (1.42%) in the last year from 15.53% to 15.75%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Atlantic Union Bankshares Corporation's short-term assets of $4.43G exceed its short-term liabilities of $650.00M
Decreasing performance - ROA.
Atlantic Union Bankshares Corporation's return on assets of 0.93% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Atlantic Union Bankshares Corporation's return on equity of 6.99%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
Atlantic Union Bankshares Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
Atlantic Union Bankshares Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Atlantic Union Bankshares Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Decreasing performance - FCF yield.
Atlantic Union Bankshares Corporation has a free cash flow yield of 1.43%, which is below the 2.00% threshold, indicating limited cash return relative to market value
Increasing performance - Healthy earnings growth.
Atlantic Union Bankshares Corporation's yearly earnings has increased 30.88% since last year from $209.13M to $273.71M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Atlantic Union Bankshares Corporation's yearly revenue has increased 50.19% since last year from $1.35G to $2.02G, signaling increasing performance
Decreasing performance - ROIC.
ROIC 0.93% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Atlantic Union Bankshares Corporation's 3-year revenue CAGR of 30.38% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Atlantic Union Bankshares Corporation had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Atlantic Union Bankshares Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Atlantic Union Bankshares Corporation has insufficient data to evaluate this check.
Undervalued - Earnings yield.
Atlantic Union Bankshares Corporation has an earnings yield of 5.83%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Atlantic Union Bankshares Corporation is overvalued relative to its fair value price of 10.61 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Atlantic Union Bankshares Corporation has an EV/EBITDA ratio of 13.93x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Atlantic Union Bankshares Corporation has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Atlantic Union Bankshares Corporation has a price-to-book ratio of 1.17x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Atlantic Union Bankshares Corporation has a price-to-sales ratio of 2.73x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
6.99%
Return on equity
ROIC: 0.93%
Valuation History
14.9X
Price to Earnings
EV/EBITDA: 13.9X
Cash flow
Profit margin
17.07%
(FY vs FY)
EBITDA Y/Y
9.11%
(FY vs FY)
Cash flow Y/Y
-15.84%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $43.19
—
Default assumptions
EBITDA Multiple
Fair Value
Market $43.19
-75.43%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.