ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Atlantic Union Bankshares Corp. ?
1
High Profitability with a Net Interest Margin of 9.91%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 2,144.05 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 286.44%
- NII(Q) Highest at USD 321.37 MM
3
With ROA of 0.61%, it has a expensive valuation with a 1.37 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -12.15%, its profits have risen by 11.4%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Atlantic Union Bankshares Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Atlantic Union Bankshares Corp. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Atlantic Union Bankshares Corp.
-1.48%
0.54
35.48%
S&P 500
15.37%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.28%
EBIT Growth (5y)
9.23%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
57.93%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
1.37
EV to EBIT
15.66
EV to EBITDA
13.82
EV to Capital Employed
1.39
EV to Sales
3.31
PEG Ratio
NA
Dividend Yield
1.73%
ROCE (Latest)
8.86%
ROE (Latest)
7.55%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 2,144.05 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 286.44%
NII(Q)
Highest at USD 321.37 MM
CASH AND EQV(HY)
Highest at USD 532.05 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 510.37 MM
OPERATING PROFIT(Q)
Highest at USD 96.37 MM
PRE-TAX PROFIT(Q)
Highest at USD 96.39 MM
NET PROFIT(Q)
Highest at USD 98.69 MM
-5What is not working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 88.24%
OPERATING PROFIT MARGIN(Q)
Lowest at 18.88 %
EPS(Q)
Lowest at USD 0.12
Here's what is working for Atlantic Union Bankshares Corp.
Net Sales
At USD 510.37 MM has Grown at 60.69%
over average net sales of the previous four periods of USD 317.61 MMMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
NII
Highest at USD 321.37 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 2,144.05 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Highest at 286.44% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Net Sales
Highest at USD 510.37 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 96.37 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 96.39 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 98.69 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 98.69 MM has Grown at 64.17%
over average net sales of the previous four periods of USD 60.12 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Cash and Eqv
Highest at USD 532.05 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Depreciation
Highest at USD 23.05 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 23.05 MM has Grown at 169.09%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Atlantic Union Bankshares Corp.
Non Performing Loans (%)
Highest at 0.6%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Profit Margin
Lowest at 18.88 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
EPS
Lowest at USD 0.12
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Lowest at 88.24%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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