Atlantic Union Bankshares Corp. (AUB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Atlantic Union Bankshares Corp.

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Ameris Bancorp

First Hawaiian, Inc.

BancFirst Corp. (Oklahoma)

EVERTEC, Inc.

CVB Financial Corp.

First Interstate BancSystem, Inc.

Why is Atlantic Union Bankshares Corp. ?

High Profitability with a Net Interest Margin of 9.91%

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

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 Report

Verdict Report

How 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.

23.42%

0.54

35.48%

S&P 500

22.99%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

22.76%

EBIT Growth (5y)

15.99%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

68.56%

Pledged Shares

Institutional Holding

91.92%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.99

EV to EBIT

12.47

EV to EBITDA

10.52

EV to Capital Employed

0.99

EV to Sales

2.85

PEG Ratio

1.14

Dividend Yield

1.61%

ROCE (Latest)

7.95%

ROE (Latest)

8.28%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

26What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 431.87 MM

NET SALES(HY)

At USD 973.58 MM has Grown at 55.76%

NET PROFIT(HY)

At USD 271.79 MM has Grown at 131.73%

ROCE(HY)

Highest at 1.12%

DIVIDEND PER SHARE(HY)

Highest at USD 0

GROSS NPA (%)

CASH AND EQV(HY)

Highest at USD 685.63 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 91.96%

EPS(Q)

Highest at USD 0.84

-5What is not working for the Company

INTEREST(9M)

At USD 515.26 MM has Grown at 29.07%

ROCE(HY)

Lowest at 1.12%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 44.16%

Here's what is working for Atlantic Union Bankshares Corp.

Net Sales

At USD 973.58 MM has Grown at 55.76%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Net Profit

At USD 271.79 MM has Grown at 131.73%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Operating Cash Flow

Highest at USD 431.87 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Lowest at 0.35%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

EPS

Highest at USD 0.84

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 685.63 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Credit Deposit Ratio

Highest at 91.96%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Atlantic Union Bankshares Corp.

Interest

At USD 515.26 MM has Grown at 29.07%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Dividend Payout Ratio

Lowest at 44.16%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)