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

Atlantic Union Bankshares Corporation and Glacier Bancorp, Inc. are both Banks Regional companies. Glacier Bancorp, Inc. is the larger, with a market value of $6.3B against $5.5B — 1.2× the size. Atlantic Union Bankshares Corporation trades at the lower P/E: 10.7× against 18.2×. Glacier Bancorp, Inc. grew revenue faster over the last twelve months: 21.2% against 20.8%. Atlantic Union Bankshares Corporation has the higher net margin (23.4% vs 21.2%) and the lower return on invested capital (8.66% vs 8.86%). Both pay a dividend; Atlantic Union Bankshares Corporation yields more (3.77% vs 2.76%). Across the 19 metrics below, Atlantic Union Bankshares Corporation leads on 13 and Glacier Bancorp, Inc. on 6.

Valuation

Metric AUB GBCI Banks Regional median
P/E 10.68 18.18 12.02
P/S 2.50 3.86 2.36
P/B 1.10 1.46 1.23
Price to free cash flow 10.00 13.72 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.36% 5.50% 8.21%
Free cash flow yield 10.00% 7.29% 9.23%

Profitability

Metric AUB GBCI Banks Regional median
Gross margin 70.00% 76.87% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.44% 21.24% 18.82%
Free cash flow margin 24.96% 28.10% 17.97%
Return on equity 10.43% 8.77% 10.28%
Return on assets 1.38% 1.14% 1.13%
Return on invested capital 8.66% 8.86% 8.45%

Growth

Metric AUB GBCI Banks Regional median
Revenue growth (TTM) 20.79% 21.24% 6.37%
EPS growth (last fiscal year) (9.38%) 18.45% 18.85%
Revenue growth, 5-year CAGR 21.06% 12.43% 12.65%
Net income growth, 5-year CAGR 11.41% (2.15%) 9.81%

Health

Metric AUB GBCI Banks Regional median
Debt to equity 0.17 0.05 0.17
Current ratio 0.94 0.85 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AUB GBCI Banks Regional median
Dividend yield 3.77% 2.76% 2.49%
Payout ratio 0.40 0.50 0.29

Size

Metric AUB GBCI Banks Regional median
Market cap 5.49b 6.32b 934.85m

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