Atlantic Union Bankshares Corporation (AUB) vs Glacier Bancorp, Inc. (GBCI)

Atlantic Union Bankshares Corporation and Glacier Bancorp, Inc. are both Banks Regional companies. Atlantic Union Bankshares Corporation and Glacier Bancorp, Inc. are of similar size ($5.8B and $5.5B). Atlantic Union Bankshares Corporation trades at the lower P/E: 11.6× against 18.3×. Atlantic Union Bankshares Corporation grew revenue faster over the last twelve months: 35.2% against 20.0%. Atlantic Union Bankshares Corporation has the higher net margin (21.4% vs 19.7%) and the higher return on invested capital (8.85% vs 6.90%). Both pay a dividend; Atlantic Union Bankshares Corporation yields more (3.76% vs 3.61%). Across the 20 metrics below, Atlantic Union Bankshares Corporation leads on 16 and Glacier Bancorp, Inc. on 4.

Valuation

Metric AUB GBCI Banks Regional median
P/E 11.58 18.34 12.15
P/S 2.48 3.69 2.37
P/B 1.07 1.35 1.21
Price to free cash flow 10.48 14.06 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.39 3.17 2.27
Earnings yield 8.64% 5.45% 8.11%
Free cash flow yield 9.54% 7.11% 8.98%

Profitability

Metric AUB GBCI Banks Regional median
Gross margin 69.47% 75.40% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.44% 19.72% 18.66%
Free cash flow margin 23.71% 26.22% 21.18%
Return on equity 9.52% 7.95% 10.64%
Return on assets 1.26% 1.03% 1.13%
Return on invested capital 8.85% 6.90% 8.33%

Growth

Metric AUB GBCI Banks Regional median
Revenue growth (TTM) 35.21% 20.04% 6.61%
EPS growth (last fiscal year) (9.38%) 18.45% —
Revenue growth, 5-year CAGR 21.06% 12.43% 12.30%
Net income growth, 5-year CAGR 11.41% (2.15%) 9.71%

Health

Metric AUB GBCI Banks Regional median
Debt to equity 0.15 0.06 0.22
Current ratio 0.93 0.84 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AUB GBCI Banks Regional median
Dividend yield 3.76% 3.61% 3.75%
Payout ratio 0.43 0.53 0.27

Size

Metric AUB GBCI Banks Regional median
Market cap 5.50b 5.77b 921.07m

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