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Atlantic Union Bankshares Corporation (AUB) vs Intercorp Financial Services Inc. (IFS)

Atlantic Union Bankshares Corporation and Intercorp Financial Services Inc. are both Banks Regional companies. Intercorp Financial Services 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: 11.4× against 15.9×. Atlantic Union Bankshares Corporation grew revenue faster over the last twelve months: 35.2% against 5.75%. Atlantic Union Bankshares Corporation has the higher net margin (21.4% vs 18.0%) and the higher return on invested capital (8.85% vs 0.00%). Across the 18 metrics below, Atlantic Union Bankshares Corporation leads on 15 and Intercorp Financial Services Inc. on 3.

Valuation

Metric AUB IFS Banks Regional median
P/E 11.38 15.87 11.98
P/S 2.44 2.82 2.34
P/B 1.05 1.61 1.19
Price to free cash flow 10.30 12.88 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.79% 6.30% 8.23%
Free cash flow yield 9.71% 7.76% 9.08%

Profitability

Metric AUB IFS Banks Regional median
Gross margin 69.47% 65.45% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.44% 17.95% 18.66%
Free cash flow margin 23.71% 0.00% 21.11%
Return on equity 9.52% 0.00% 10.65%
Return on assets 1.26% 0.00% 1.13%
Return on invested capital 8.85% 0.00% 8.35%

Growth

Metric AUB IFS Banks Regional median
Revenue growth (TTM) 35.21% 5.75% 6.98%
EPS growth (last fiscal year) (9.38%) 60.07% 18.88%
Revenue growth, 5-year CAGR 21.06% 15.71% 12.38%
Net income growth, 5-year CAGR 11.41% 37.67% 9.71%

Health

Metric AUB IFS Banks Regional median
Debt to equity 0.15 0.59 0.22
Current ratio 0.93 1.10 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric AUB IFS Banks Regional median
Market cap 5.47b 6.31b 913.33m

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