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Atlantic Union Bankshares Corporation (AUB) vs AXOS FINANCIAL, INC (AX)

Atlantic Union Bankshares Corporation and AXOS FINANCIAL, INC are both Banks Regional companies. Atlantic Union Bankshares Corporation and AXOS FINANCIAL, INC are of similar size ($5.5B and $5.0B). AXOS FINANCIAL, INC trades at the lower P/E: 10.2× against 11.4×. Atlantic Union Bankshares Corporation grew revenue faster over the last twelve months: 35.2% against 12.5%. AXOS FINANCIAL, INC has the higher net margin (22.4% vs 21.4%) and the higher return on invested capital (14.0% vs 8.85%). Across the 18 metrics below, AXOS FINANCIAL, INC leads on 11 and Atlantic Union Bankshares Corporation on 7.

Valuation

Metric AUB AX Banks Regional median
P/E 11.38 10.18 11.98
P/S 2.44 2.28 2.34
P/B 1.05 1.58 1.19
Price to free cash flow 10.30 17.15 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.79% 9.83% 8.23%
Free cash flow yield 9.71% 5.83% 9.08%

Profitability

Metric AUB AX Banks Regional median
Gross margin 69.47% 67.59% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.44% 22.39% 18.66%
Free cash flow margin 23.71% 13.29% 21.11%
Return on equity 9.52% 16.77% 10.65%
Return on assets 1.26% 1.79% 1.13%
Return on invested capital 8.85% 13.97% 8.35%

Growth

Metric AUB AX Banks Regional median
Revenue growth (TTM) 35.21% 12.54% 6.98%
EPS growth (last fiscal year) (9.38%) 14.13% 18.88%
Revenue growth, 5-year CAGR 21.06% 24.82% 12.38%
Net income growth, 5-year CAGR 11.41% 17.87% 9.71%

Health

Metric AUB AX Banks Regional median
Debt to equity 0.15 0.35 0.22
Current ratio 0.93 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AUB AX Banks Regional median
Dividend yield 3.88% — 2.57%
Payout ratio 0.44 — 0.30

Size

Metric AUB AX Banks Regional median
Market cap 5.47b 4.98b 913.33m

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