Atlantic Union Bankshares Corporation
Atlantic Union Bankshares Corporation Fundamental Analysis
Atlantic Union Bankshares Corporation (AUB) shows moderate financial fundamentals with a PE ratio of 15.30, profit margin of 15.75%, and ROE of 6.99%. The company generates $2.2B in annual revenue with strong year-over-year growth of 50.19%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 75.5/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze AUB's fundamental strength across five key dimensions:
Efficiency Score
WeakAUB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentAUB trades at attractive valuation levels.
Growth Score
ModerateAUB shows steady but slowing expansion.
Financial Health Score
ModerateAUB shows balanced financial health with some risks.
Profitability Score
ModerateAUB maintains healthy but balanced margins.
Key Financial Metrics
Is AUB Expensive or Cheap?
P/E Ratio
AUB trades at 15.30 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, AUB's PEG of 0.59 indicates potential undervaluation.
Price to Book
The market values Atlantic Union Bankshares Corporation at 1.05 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.35 times EBITDA. This is generally considered low.
How Well Does AUB Make Money?
Net Profit Margin
For every $100 in sales, Atlantic Union Bankshares Corporation keeps $15.75 as profit after all expenses.
Operating Margin
Core operations generate 19.68 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.99 in profit for every $100 of shareholder equity.
ROA
Atlantic Union Bankshares Corporation generates $0.93 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Atlantic Union Bankshares Corporation generates strong operating cash flow of $2.25B, reflecting robust business health.
Free Cash Flow
Atlantic Union Bankshares Corporation generates strong free cash flow of $2.24B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $15.65 in free cash annually.
FCF Yield
AUB converts 41.60% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.30
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.59
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.05
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.43
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.26
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.85
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How AUB Stacks Against Its Sector Peers
| Metric | AUB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.30 | 18.88 | Better (Cheaper) |
| ROE | 6.99% | 814.00% | Weak |
| Net Margin | 15.75% | 840.00% | Weak |
| Debt/Equity | 0.26 | 0.99 | Strong (Low Leverage) |
| Current Ratio | 0.85 | 618.46 | Weak Liquidity |
| ROA | 0.93% | -20768.00% (disorted) | Weak |
AUB outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Atlantic Union Bankshares Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
43.31%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-3.77%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-76.53%
Industry Style: Value, Dividend, Cyclical
Declining