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IntroductionThe concept of valuationRevenue and revenue growthVariable costsFixed costsProduction assets

Intrinsic value of Atlantic Union Bankshares Corporation (AUB)

Previous Close$33.33
Intrinsic Value$26.45*
Upside potential  -21%
Previous Close
$33.33
Intrinsic Value
$26.45*
Potential        
-21%
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh26.45 26.45

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Atlantic Union Bankshares Corporation operates as the holding company for Atlantic Union Bank that provides banking and related financial services to consumers and businesses. It accepts various deposit products, including checking, savings, NOW, time deposit, and money market accounts, as well as certificates of deposit and other depository services. The company also offers loans for commercial, industrial, residential mortgage, and consumer purposes. In addition, it provides credit cards, automated teller machine (ATM) services, mobile and Internet banking services, and online bill payment services, as well as trust, and wealth management services to consumers and businesses. Further, the company offers securities, brokerage, and investment advisory services; and originates and sells mortgage loan products in the secondary market. As of February 1, 2020, it operated 149 branches and approximately 170 ATMs in Virginia, North Carolina, and Maryland. The company was formerly known as Union Bankshares Corporation and changed its name to Atlantic Union Bankshares Corporation in May 2019. Atlantic Union Bankshares Corporation was founded in 1902 and is headquartered in Richmond, Virginia.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %0.8NaN
Revenue, $677NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m358NaN
Operating income, $m319NaN
EBITDA, $m367NaN
Interest expense (income), $mNaN
Earnings before tax, $m307NaN
Tax expense, $m55NaN
Net income, $m252NaN

BALANCE SHEET

Cash and short-term investments, $m803NaN
Total assets, $m20065NaN
Adjusted assets (=assets-cash), $m19262NaN
Average production assets, $m1187NaN
Working capital, $m-2810NaN
Total debt, $m557NaN
Total liabilities, $m17355NaN
Total equity, $m2710NaN
Debt-to-equity ratio0.206NaN
Adjusted equity ratio0.106NaN

CASH FLOW

Net income, $m252NaN
Depreciation, amort., depletion, $m48NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m265NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m2NaN
Free cash flow, $m263NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-2810
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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