Atlantic Union Bankshares
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
21.0716.9520.1921.6712.7115.5616.4110.9311.2313.5716.4112.71
Price/Sales ratio
3.503.584.654.493.634.493.784.263.783.9315.743.63
Price/Book Value ratio
1.131.141.561.510.961.190.951.061.101.071.070.96
Price/Cash Flow ratio
8.8510.4416.6714.328.5715.4511.208.546.5110.3713.328.57
Price/Free Cash Flow ratio
9.3810.8317.8815.6319.5216.8312.838.786.5610.5813.7316.83
Price/Earnings Growth ratio
-1.210.551.07-3.830.381.81-0.820.15-1.26-0.912.490.38
Dividend Yield
2.29%2.55%2.15%2.23%3.11%2.60%3.25%3.33%3.75%3.77%3.41%3.11%
Profitability Indicator Ratios
Gross Profit Margin
99.15%99.11%98.57%98.48%98.58%100%100%100%100%100%207.74%98.58%
Operating Profit Margin
33.29%1.84%0.92%0.78%54.47%34.45%27.12%47.07%56.12%33.47%-2.74%34.45%
Pretax Profit Margin
22.10%28.52%31.02%30.21%35.11%34.48%27.12%47.07%40.21%34.45%100.08%35.11%
Net Profit Margin
16.61%21.17%23.05%20.72%28.62%28.85%23.03%38.97%33.68%28.98%95.93%28.62%
Effective Tax Rate
24.81%25.78%25.68%31.40%16.72%16.24%15.06%17.20%16.23%15.87%4.15%16.24%
Return on Assets
0.71%0.87%0.91%0.78%1.06%1.10%0.80%1.31%1.14%0.95%0.83%1.10%
Return On Equity
5.37%6.73%7.73%6.96%7.59%7.70%5.84%9.73%9.88%7.89%7.35%7.70%
Return on Capital Employed
1.50%0.07%0.03%0.03%2.18%1.34%0.96%5.05%2.00%1.14%-0.02%1.34%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/A0.68N/AN/AN/A8.98N/A
Quick Ratio
16.8920.2013.2110.3410.086.3212.120.313.012.998.988.98
Cash ratio
0.380.460.340.260.241.071.960.050.310.441.390.24
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.080.070.110.120.120.080.03N/A0.070.050.030.08
Debt Equity Ratio
0.650.590.921.110.890.570.21N/A0.650.430.240.57
Long-term Debt to Capitalization
0.230.220.290.280.250.300.15N/A0.140.130.110.30
Total Debt to Capitalization
0.390.370.480.520.470.360.17N/A0.390.300.190.36
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A-0.01N/A
Cash Flow to Debt Ratio
0.190.180.100.090.120.130.39N/A0.250.230.320.12
Company Equity Multiplier
7.527.728.418.907.156.987.247.408.628.277.797.15
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.390.340.270.310.420.290.330.490.580.371.180.42
Free Cash Flow / Operating Cash Flow Ratio
0.940.960.930.910.430.910.870.970.990.980.960.43
Cash Flow Coverage Ratio
0.190.180.100.090.120.130.39N/A0.250.230.320.12
Short Term Coverage Ratio
0.360.350.180.140.200.522.31N/A0.340.360.680.20
Dividend Payout Ratio
48.47%43.35%43.46%48.53%39.65%40.48%53.41%36.44%42.11%51.17%56.35%39.65%