Atlantic Union Bankshares Corporation (AUB) vs F.N.B. Corporation (FNB)

Atlantic Union Bankshares Corporation and F.N.B. Corporation are both Banks Regional companies. F.N.B. Corporation is the larger, with a market value of $6.2B against $5.5B — 1.1× the size. F.N.B. Corporation trades at the lower P/E: 10.5× against 11.6×. Atlantic Union Bankshares Corporation grew revenue faster over the last twelve months: 35.2% against 3.67%. F.N.B. Corporation has the higher net margin (22.3% vs 21.4%) and the lower return on invested capital (6.93% vs 8.85%). Both pay a dividend; F.N.B. Corporation yields more (3.78% vs 3.76%). Across the 20 metrics below, F.N.B. Corporation leads on 11 and Atlantic Union Bankshares Corporation on 9.

Valuation

Metric AUB FNB Banks Regional median
P/E 11.58 10.51 12.15
P/S 2.48 2.32 2.37
P/B 1.07 0.92 1.21
Price to free cash flow 10.48 10.12 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.39 2.19 2.27
Earnings yield 8.64% 9.52% 8.11%
Free cash flow yield 9.54% 9.88% 8.98%

Profitability

Metric AUB FNB Banks Regional median
Gross margin 69.47% 67.48% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.44% 22.30% 18.66%
Free cash flow margin 23.71% 22.96% 21.18%
Return on equity 9.52% 9.04% 10.64%
Return on assets 1.26% 1.20% 1.13%
Return on invested capital 8.85% 6.93% 8.33%

Growth

Metric AUB FNB Banks Regional median
Revenue growth (TTM) 35.21% 3.67% 6.61%
EPS growth (last fiscal year) (9.38%) 22.83% —
Revenue growth, 5-year CAGR 21.06% 13.61% 12.30%
Net income growth, 5-year CAGR 11.41% 15.24% 9.71%

Health

Metric AUB FNB Banks Regional median
Debt to equity 0.15 0.29 0.22
Current ratio 0.93 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AUB FNB Banks Regional median
Dividend yield 3.76% 3.78% 3.75%
Payout ratio 0.43 0.31 0.27

Size

Metric AUB FNB Banks Regional median
Market cap 5.50b 6.16b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack